Nicole J Chen

US Patent:

20140012742, Jan 9, 2014

Filed:

Jul 6, 2012

Appl. No.:

13/543644

Inventors:

Carrie Anne Hanson - Charlotte NC, US
Scott R. Enscoe - Charlotte NC, US
Alexander C. Wittkowski - Charlotte NC, US
David M. Grigg - Rock Hill SC, US
Daniel David - Charlotte NC, US
Katherine Dintenfass - Charlotte NC, US
Ray R. Hernandez - Austin TX, US
Brett Newman - Burlingame CA, US
Leo Kopelow - San Francisco CA, US
Yameng Li - Berkeley CA, US
Nicole Chen - San Francisco CA, US
Nicholas Sharp - San Francisco CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/14

US Classification:

705 40

Abstract:

Embodiments of the invention are directed to systems, methods, and computer program products for electronic processing of paper invoices. The invention allows provides a user with information about a paper invoice through the use of the user's mobile computing device. In some embodiments, a method comprises providing a computer processor executing computer readable code structured to cause the computer processor to (a) receive information associated with an image of the invoice, wherein the image is captured by a mobile computing device of the user; (b) identify the invoice based at least partially upon the information associated with the image of the invoice; (c) determine financial institution information associated with the invoice; and (d) present, via the mobile computing device of the user, an indication of the financial institution information.

US Patent:

20140012743, Jan 9, 2014

Filed:

Jul 6, 2012

Appl. No.:

13/543649

Inventors:

Carrie Anne Hanson - Charlotte NC, US
Scott R. Enscoe - Charlotte NC, US
Alexander C. Wittkowski - Charlotte NC, US
Laura Corinne Bondensen - Charlotte NC, US
David M. Grigg - Rock Hill SC, US
Daniel David - Charlotte NC, US
Katherine Dintenfass - Charlotte NC, US
Ray R. Hernandez - Austin TX, US
Brett Newman - Burlingame CA, US
Leo Kopelow - San Francisco CA, US
Yameng Li - Berkeley CA, US
Nicole Chen - San Francisco CA, US
Nicholas Sharp - San Francisco CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 40, 705 35, 705 42, 705 44

Abstract:

Embodiments of the invention are directed to systems, computer-implemented methods, and computer program products for providing, via a mobile device associated with a user, a calendar for displaying one or more financial events including the steps of accessing a storage device associated with the mobile device to thereby retrieve information associated with the calendar and information associated with the one or more financial events, presenting, via a display of the mobile device, the calendar with the one or more financial events provided therein, wherein each of the one or more financial events is selectable by the user, providing, via each of the one or more financial events, one or more selectable features configured to allow the user to take an action relating to the one or more financial events.

US Patent:

20140012744, Jan 9, 2014

Filed:

Jul 6, 2012

Appl. No.:

13/543694

Inventors:

Carrie Anne Hanson - Charlotte NC, US
Scott R. Enscoe - Charlotte NC, US
Alexander C. Wittkowski - Charlotte NC, US
David M. Grigg - Rock Hill SC, US
Daniel David - Charlotte NC, US
Katherine Dintenfass - Charlotte NC, US
Brett Newman - Burlingame CA, US
Leo Kopelow - San Francisco CA, US
Yameng Li - Berkeley CA, US
Nicole Chen - San Francisco CA, US
Nicholas Sharp - San Francisco CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/08
G06Q 20/40

US Classification:

705 40

Abstract:

Embodiments of the invention are directed to systems, methods and computer program products for implementing bill control. The invention enables a user of a financial institution account to maintain controls over bills via a single interaction point. In some embodiments, a method comprises determining whether a bill is due within a predetermined period; in response to determining the bill is due within the predetermined period: initiating, via a mobile network, presentation of a duration in which the bill is due; initiating, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; and in response to receiving selection of the option to pay the bill, authorizing payment of the bill via a financial institution account.

US Patent:

20140012745, Jan 9, 2014

Filed:

Jul 6, 2012

Appl. No.:

13/543696

Inventors:

Carrie Anne Hanson - Charlotte NC, US
Scott R. Enscoe - Charlotte NC, US
Alexander C. Wittkowski - Charlotte NC, US
Laura Corrine Bondensen - Charlotte NC, US
David M. Grigg - Rock Hill SC, US
Daniel David - Charlotte NC, US
Katherine Dintenfass - Charlotte NC, US
Ray R. Hernandez - Austin TX, US
Brett Newman - Burlingame CA, US
Leo Kopelow - San Francisco CA, US
Yameng Li - Berkeley CA, US
Nicole Chen - San Francisco CA, US
Nicholas Sharp - San Francisco CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/08

US Classification:

705 40

Abstract:

Embodiments of the invention are directed to systems, methods and computer program products enabling a user of an account to pictorially view available funds over a predetermined period in the future and thereby enable informed bill payment scheduling. In some embodiments, a method comprises determining, for a predetermined period in the future, at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a graphical indicator indicating the at least one bill payment; and initiating, via the mobile network, presentation of an account balance graph associated with the account based at least partially on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future.

US Patent:

20140012746, Jan 9, 2014

Filed:

Jul 6, 2012

Appl. No.:

13/543700

Inventors:

Carrie Anne Hanson - Charlotte NC, US
Scott R. Enscoe - Charlotte NC, US
Alexander C. Wittkowski - Charlotte NC, US
David M. Grigg - Rock Hill SC, US
Daniel David - Charlotte NC, US
Katherine Dintenfass - Charlotte NC, US
Brett Newman - Burlingame CA, US
Leo Kopelow - San Francisco CA, US
Yameng Li - Berkeley CA, US
Nicole Chen - San Francisco CA, US
Nicholas Sharp - San Francisco CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/08

US Classification:

705 40

Abstract:

Embodiments of the invention are directed to systems, methods and computer program products associated with a visual bill management feature that leverages projected account balances to schedule bill payment dates. In some embodiments, a method comprises determining at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a first graphical indicator indicating a bill payment date associated with the at least one bill payment, wherein the at least one bill payment is scheduled to made on the bill payment date; initiating presentation of an account balance graph associated with the account based on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future; and enabling shifting of the first graphical indicator to reschedule the bill payment date.

US Patent:

20140012754, Jan 9, 2014

Filed:

Jul 6, 2012

Appl. No.:

13/543676

Inventors:

Carrie Anne HANSON - Charlotte NC, US
Scott R. ENSCOE - Charlotte NC, US
Alexander C. WITTKOWSKI - Charlotte NC, US
David M. GRIGG - Rock Hill SC, US
Daniel DAVID - Charlotte NC, US
Katherine DINTENFASS - Charlotte NC, US
Ray R. HERNANDEZ - Austin TX, US
Brett NEWMAN - Burlingame CA, US
Leo KOPELOW - San Francisco CA, US
Yameng LI - Berkeley CA, US
Nicole CHEN - San Francisco CA, US
Nicholas SHARP - San Francisco CA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/40

US Classification:

705 44

Abstract:

Embodiments of the invention relate to systems, methods, and computer program products for providing a financial document processing system. The system receives an image of a financial document, such as a check, and identifies at least a transaction amount from the financial document. Then the system determines account information associated with the financial document. The system may identify a routing and account number on the financial document or identify the document based on a name on the document. Once the transaction amount and account information are known, the system determines a prospective balance for a financial account based on the account information and the transaction amount. If there are funds at least equal to the transaction amount in the financial account, the system validates the transactions. In some embodiments, the system also immediately updates the balance of the account and/or offers to complete the transaction.

US Patent:

20140067506, Mar 6, 2014

Filed:

Sep 4, 2012

Appl. No.:

13/602789

Inventors:

Carrie A. Hanson - Charlotte NC, US
Hitesh Bajaj - Johns Creek GA, US
Laura C. Bondesen - Charlotte NC, US
Nicole Chen - San Francisco CA, US
Scott R. Enscoe - Waxhaw NC, US
David M. Grigg - Rock Hill SC, US
Leo Kopelow - San Francisco CA, US
Yameng Li - Berkeley CA, US
Brett Newman - Burlingame CA, US
Sarah Overcash - Charlotte NC, US
Nicholas Sharp - San Francisco CA, US
Marc L. Warshawsky - Davidson NC, US
Alexander C. Wittkowski - Charlotte NC, US
Jon R. Wolf - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 30/02

US Classification:

705 1427

Abstract:

According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product.

US Patent:

20140067512, Mar 6, 2014

Filed:

Sep 4, 2012

Appl. No.:

13/602828

Inventors:

Carrie A. Hanson - Charlotte NC, US
Hitesh Bajaj - Johns Creek GA, US
Laura C. Bondesen - Charlotte NC, US
Nicole Chen - San Francisco CA, US
Scott R. Enscoe - Waxhaw NC, US
David M. Grigg - Rock Hill SC, US
Leo Kopelow - San Francisco CA, US
Yameng Li - Berkeley CA, US
Brett Newman - Burlingame CA, US
Sarah Overcash - Charlotte NC, US
Nicholas Sharp - San Francisco CA, US
Marc L. Warshawsky - Davidson NC, US
Alexander C. Wittkowski - Charlotte NC, US
Jon R. Wolf - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 30/02

US Classification:

705 1435

Abstract:

According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product.