Nancy T Carrier

US Patent:

20100070405, Mar 18, 2010

Filed:

Sep 17, 2008

Appl. No.:

12/211987

Inventors:

David Joa - Pacifica CA, US
Debashis Ghosh - Charlotte NC, US
David N. Joffe - Charlotte NC, US
Thayer Allison - Charlotte NC, US
Kurt D. Newman - Matthews NC, US
Timothy J. Bendel - Charlotte NC, US
Yanghong Shao - Charlotte NC, US
Nancy G. Carrier - Jacksonville FL, US
Mark Krein - Charlotte NC, US

Assignee:

Bank of America - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 40, 705 39

Abstract:

Apparatus and methods for evaluating risk of nonpayment for mobile payments. Wireless phone numbers with associated customer history and account information may be used as a proxy to determine risk of nonpayment. Risk scores may be continually updated with new purchase and payment information. In some embodiments, authorization for a point of sale transaction may include evaluation of the mobile wireless risk score. A low wireless number risk score may result in authorization of the transaction. A high wireless number risk score may result in denial of the transaction.

US Patent:

8078529, Dec 13, 2011

Filed:

May 28, 2009

Appl. No.:

12/473635

Inventors:

Nancy T. Carrier - Jacksonville FL, US
David Joffe - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

Embodiments of the present invention relate to systems, methods and computer program products for evaluating customers' ability to manage revolving credit. To do so, for example, embodiments of the present invention review aggregated transaction data taken from a large number of revolving-credit accounts, and detect credit-usage patterns at an account level. The detected credit-usage patterns are then applied in risk models to evaluate individual customers' ability to manage revolving credit.

US Patent:

20200210613, Jul 2, 2020

Filed:

Jan 2, 2019

Appl. No.:

16/237971

Inventors:

- Charlotte NC, US
Nancy Carrier - Jacksonville FL, US

International Classification:

G06F 21/62
H04L 29/06
G06F 17/21
G06F 17/24
G06F 16/35
G06F 16/14
G06N 20/00

Abstract:

Classification of personal data in incoming or outgoing data files in-line or pre-firewall. The invention determines which data owners and/or data associated with the data owners requires classification (e.g., which individuals/customers and/or data is applicable to internal or external regulations) and, subsequently determines the classifications and identifies the classifications in the data file the data owners and data within the data file so that the data can be routed according to the identified classifications. In specific embodiments machine-learning processing is used to learn, determine and/or predict which data owners and/or data associated with the individual/customers requires classification and the classifications to assign to those data owners and/or data elements

US Patent:

20200213416, Jul 2, 2020

Filed:

Jan 2, 2019

Appl. No.:

16/238000

Inventors:

- Charlotte NC, US
Nancy Carrier - Jacksonville FL, US

International Classification:

H04L 29/08
H04L 29/06
G06F 16/906
G06N 20/00

Abstract:

Embodiments of the invention are directed to classifying requests associated with personal data at or before a point of entry to a trusted computing network. The invention provides for determining whether a request associated with personal data requires classification (for example, whether the request is impacted by regulations or other requirements necessitating classification/categorization). The determination may be based on what entity is requesting the data, the origin of the request, whose data is being requested, the type of action associated with the request and/or the data elements associated with the request. In addition, once the request has been determined to require classification the specific classification is determined and assigned to the request. The classification may be determined based on the rules associated with the regulation or other requirement(s) necessitating the classification/categorization. The classification may identify rules for processing the request along with routing for the request.

US Patent:

20150154615, Jun 4, 2015

Filed:

Dec 4, 2013

Appl. No.:

14/096433

Inventors:

- Charlotte NC, US
Hemant Kagade - Charlotte NC, US
Sudeshna Banerjee - Waxhaw NC, US
Marc Douglas Halsted - Charlotte NC, US
Seyamak Amin - Plano TX, US
Nancy Teter Carrier - Jacksonville FL, US
Greg D. Farley - Tega Cay SC, US
Dilip Nair - Charlotte NC, US
David Neil Joffe - Charlotte NC, US
David Joa - San Bruno CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 30/02

Abstract:

Systems, methods, computer-readable media, and apparatuses for receiving transaction data associated with a transaction between a first business entity and a second business entity are provided. Data may be extracted from the transaction data to determine a category of the transaction. In some examples, an identity of a first and/or second business entity may be determined from the transaction data and/or additional data. One or more business characteristics of the first or second business entity may be determined based on the identity of the business and the category of the transaction. Accordingly, a network of other business related or having potential to be related to the business entities may be identified (e.g., potential or current vendors, suppliers, service providers, customers, and the like).