BANK OF AMERICA Patent applications |
Patent application number | Title | Published |
20160132405 | METHOD AND APPARATUS FOR REDUNDANCY IN AN ATM USING HOT SWAP HARDWARE UNDERLYING A VIRTUAL MACHINE - A method and apparatus for providing redundancy in an Automatic Teller Machine (ATM) is provided. Application software may be run on top of a virtual environment such as a virtual machine and/or a virtual disk environment. Should a software component fail, the virtual environment will “crash” but the ATM hardware and operating system will remain intact. If the software is fatally flawed—e.g., due to a faulty “upgrade” the older version may be “rolled back” from a previously stored virtual environment. | 05-12-2016 |
20160132404 | METHOD AND APPARATUS FOR REDUNDANCY IN AN ATM USING HOT SWAP HARDWARE UNDERLYING A VIRTUAL MACHINE - A method and apparatus for providing redundancy in an Automatic Teller Machine (ATM) is provided. Application software may be run on top of a virtual environment such as a virtual machine and/or a virtual disk environment. Should a software component fail, the virtual environment will “crash” but the ATM hardware and operating system will remain intact. If the software is fatally flawed—e.g., due to a faulty “upgrade” the older version may be “rolled back” from a previously stored virtual environment. | 05-12-2016 |
20150127544 | METHOD AND APPARATUS FOR RECONCILING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to the general ledger system to improve reconciliation of payments and invoices. | 05-07-2015 |
20140351161 | ROUTING INCOMPLETE MAIL ITEMS - Apparatus, methods, media and code for routing a mail item are provided. A conveyor in mechanical communication with a mail item registration station may include a processor for registering a first part of the mail item. The processor may: determine that: the first part is a payment part; and a second part that corresponds to the first part is exceptional; identify a destination that corresponds to the first part; and route the first part to the destination along with an indication corresponding to the missing second part. | 11-27-2014 |
20140195670 | AUTOMATED ALERT MANAGEMENT - Alerts may be received from an event monitoring system that monitors computing resources of a computer system. Based on an alert ruleset, an alert management module may determine whether to provide notification of the alert. If the alert management module decides to provide notification of the alert, then the alert management module may initiate the creation of an issue ticket corresponding to the alert in an issue tracking system. If the alert management module decides not to provide notification of the alert, then the alert management module may discard the alert. | 07-10-2014 |
20140150065 | Methods and Processes for Storing and Utilizing State Information for Service Providers - Methods, computer-readable media, and apparatuses are disclosed for storing and utilizing state information for service providers. In one aspect of the invention, the methods, processes, or apparatus may include one or more of the following steps: 1) storing state information on a vault; 2) requesting state information on the vault from a receiving party and a device and providing identification to the vault; 3) authenticating and certifying the request from the receiving party; 4) providing the state information to the receiving party; 5) using the state information on the device; and 6) returning the state information to the vault. An additional aspect of the invention provides a method and/or process for storing and utilizing web-based cookies on a cloud environment for service providers. | 05-29-2014 |
20140137139 | Automatic Deal Or Promotion Offering Based on Audio Cues - Aspects herein describe at least a new method, system, and computer readable storage media for recognizing the content of the audio. A computing device determines whether the content comprises a product and/or service, correlates the product and/or service with one or more promotional deals provided by an organization such as a financial institution, generates a subset of the one or more promotional deals based on the correlation, and transmits the subset to a multimedia viewing device such as a television. The subset of the one or more promotional deals may be viewed by a viewer. The one or more promotional deals are displayed on a portion of the screen of the television for viewing by the viewer. The viewer may make a purchase decision based on the one or more promotional deals displayed. | 05-15-2014 |
20140129232 | Automatic Display of User-Specific Financial Information Based on Audio Content Recognition - Aspects herein describe at least a new method, system, and computer readable storage media for recognizing the content of the audio. A computing device determines whether the content comprises one or more financial products and services offered by a financial institution, correlates the one or more financial products and services with a profile of a person, determines a subset of the one or more financial products and services that are of interest to the person based on the correlation, and transmits data related to the subset to a television for viewing by the person. The subset of the one or more products and services are displayed on a portion of the screen of the television. | 05-08-2014 |
20140108244 | MEDIA HANDLING DEVICE REJECT RATE - A system and method of providing reject rate data and monitoring media handling device performance related to the reject rate data is disclosed, wherein the media handling device may be an automated teller machine. The system and methods may include determining a reject rate; analyzing a set of reject rate data for trending and statistical comparative analysis; transferring the set of reject rate data from one or more ATMs; and loading the set of rejection rate data into a data warehouse. The method may further include analyzing the set of reject rate data for trending and statistical comparative analysis to gain insight and make improvements to the customer experience at the ATM. The method may further include providing predictive fault tracing to predict in advance when the ATM needs maintenance. | 04-17-2014 |
20140108072 | Vendor Contract Assessment Tool - A system and method that generates a graphical representation and allows the comparison between: 1) a set of contract or deal business requirements; 2) a contract or deal proposed by a vendor; and 3) a contract or deal that currently exists as viewed in the present time. The relative comparisons may be completed on key areas of the contract where key business requirements (KBRs) and metrics have been uniquely defined, targeted, and weighed. The set of contract or deal business requirements may also be defined as a Target Contract or a desired contract state. The contract or deal proposed by the vendor may be as defined as a Proposal Contract or a potential contract state. The contract or deal that currently exists may be defined as an Existing Contract or a current contract state. | 04-17-2014 |
20140074708 | Forecasting of Deposits for a Money Handling Machine - A computer system obtains deposit information from a money handling device and projects a number of deposited checks at the money handling device at a subsequent time. The transaction computer determines whether the projected number of deposited checks exceeds a check threshold and generates an indicator whether deposits should be removed from the money handling device based on the determination. The number of deposited checks may be tracked at the money handling device and, if the tracked deposits are trending differently from the projected number of deposited checks, the generated indicator may be adjusted. The projected number of deposited checks at a money handling device may be compensated based on an event such as a special event or holiday. Also, the projected number of deposited checks at the money handling device may be modified when a natural disaster such as a hurricane occurs. | 03-13-2014 |
20140074530 | Forecasting of Deposit Faults for a Money Handling Machine - A computer system obtains monetary item deposit information and reader failure information from the money handling device and generates data that accumulates to represent an historical pattern of a ratio of a number of deposited monetary items (e.g., deposited checks) to reader failure incidents. The transaction computer then generates a service indicator that is indicative of servicing the money handling device based on the pattern. The transaction computer may project the ratio to obtain a projected ratio at a subsequent (future) time and may track the ratio to determine whether the ratio is trending differently from the ratio. | 03-13-2014 |
20140067712 | Financial Goal Management - A financial goal management system for managing client financial goals is provided. The financial goal management system receives financial goal information indicative of a financial goal and account information indicative of an account associated with the financial goal. The financial goal management system determines savings recommendation information indicative of a recommended savings value based on the financial goal information and the account information. Subsequently, the financial goal management system determines progress-to-goal information based on the financial goal information, the account information, and the savings recommendation information. In some arrangements, the financial goal management system may further determine action step information indicative of action steps to be performed while progressing towards completion of the financial goal. | 03-06-2014 |
20140059513 | Creation and Uploading of Archives for Software Projects to Submission Portal - A computer system interacts with a software development environment to enable a software developer to submit one or more software projects to a submission portal for analysis. A processor obtains needed files associated with a software project and then may proceed to compile the artifacts based on compile parameters in order to generate additional artifacts typically containing at least one binary file but that may be dependent on a type of the software project. The configuration data may be created independently of a build environment of the software project. The computer system may then archive artifacts of the software project that may be compressed and uploaded to an analysis tool. The submissions portal can then determine whether the submitted code is complete. The submitted code can be further analyzed by a static analysis engine, where the results are presented to the developer. | 02-27-2014 |
20140059012 | Management of Database Deployment - Apparatuses, computer readable media, methods, and systems are described for provisioning of databases, which may include processing a request to generate a database, wherein the request comprises a database parameter; determining a lease term for the database; generating the database based on the database parameter; and communicating a notification containing information regarding the database and the lease term. | 02-27-2014 |
20140058773 | DETERMINING CORPORATE ACTIONS USING TRANSACTIONAL DATA - Aspects of the invention provide for the use of transactional data in determining a corporate action alert. Further aspects of the invention provide for determining a merger and acquisition utilizing employee base information generated from analyzing trends in historical transactional data. The method and processes may include the following: receiving transactional data corresponding to transactions associated with a set of customer accounts, wherein the transactional data includes business name patterns; generating employee base information using the transactional data, wherein the employee base information includes a total number of employees and a total amount of salary paid; identifying a trend for a merger and acquisition utilizing the employee base information; determining a list of the mergers and acquisitions from the trends for the mergers and acquisitions; and comparing the merger and acquisition list to a corporate database to identify data discrepancies. | 02-27-2014 |
20140052560 | TRANSACTION SERVICES REVERSE AUCTION - A reverse auction platform for selecting a transaction service is provided. The platform may include a database configured to store a request for a transaction service and to store fee bids corresponding to the transaction service. The platform may also include a memory configured to store execution instructions as well as a processor coupled with the database and the memory. The processor may be configured to execute the instructions. The instructions may be configured to cause the processor to receive a request for a transaction service; to present the request; and to select a transaction service based on a fee bid corresponding to the transaction service. | 02-20-2014 |
20140052494 | Identifying Scenarios and Business Units that Benefit from Scenario Planning for Operational Risk Scenario Analysis Using Analytical and Quantitative Methods - Methods, computer-readable media, and apparatuses are disclosed for risk scenario analysis. Aspects of the embodiments disclose methods, computer readable media, and apparatuses for identifying scenarios for operational risk scenario analysis using analytical and quantitative methods. Additional aspects of the embodiments disclose methods, computer readable media, and apparatuses for identifying business units for performing risk scenario analysis using analytical and quantitative methods. | 02-20-2014 |
20140019195 | Operational Risk Back-Testing Process Using Quantitative Methods - Methods, computer-readable media, and apparatuses are disclosed for quantifying risk and control assessments. The risk includes both residual risk and direction of risk. Various aspects of the invention quantitatively compare the risk and control assessments against step-ahead losses using special regression models that are particularly applicable to this kind of data. The empirical comparison may be performed on both loss event frequency and severity in two different and separate dimensions. The empirical comparison may also be performed using losses extracted by even occurrence and event settlement dates in two separate dates. | 01-16-2014 |
20140019194 | Predictive Key Risk Indicator Identification Process Using Quantitative Methods - Methods, computer-readable media, and apparatuses are disclosed for identifying predictive key risk indicators (KRIs) for organizations and/or firms through the application of specific statistical and quantitative methods that are well integrated with qualitative adjustment. An indicator is a variable with the purpose of measuring change in a phenomena or process. A risk indicator is an indicator that estimates the potential for some form of resource degradation using mathematical formulas or models. Organization/enterprise key risk indicators are an essential arsenal in the risk management framework of any firm or organization and may be required by regulatory agencies. | 01-16-2014 |
20140012753 | Incident Management for Automated Teller Machines - A computer system monitors a financial transaction system that contains a plurality of remote transaction machines, e.g., automated teller machines (ATMs). The computer system detects and analyzes whether any of the automated teller machines has an outage, whereby customers may be experiencing failed financial transactions. When an outage occurs, a severity level is selected by processing outage data. For example, the computer system determines a measure of the number of failed transactions and then selects a severity level of the outage from which the appropriate recovery procedure can then be initiated. When the transaction system comprises a plurality of networks, the severity level of an outage may be determined by aggregating or separately processing outage data for the networks. Outage ATMs may be prioritized from the number of corresponding failed transactions, so that the prioritization can be included in an indicator that initiates resolution of the outage. | 01-09-2014 |
20130335419 | CONSUMER HISTORY GRAPHICS - Apparatus for calculating and displaying a banking customer's banking history is provided. The apparatus may include a receiver configured to receive a first set of data relating to a plurality of deposits and a plurality of withdrawals. Each of the plurality of deposits and each of the plurality of withdrawals may be associated with a numerical value and a calendar date. The apparatus may further include a graphical user interface. The graphical user interface may be configured to display a timeline in a first screen region. The timeline may include a plurality of demarcations, each of the demarcations being associated with a calendar date. The graphical user interface may be further configured to display in a second screen region a plurality of balloons. Each of the plurality of balloons may display one or more deposits and withdrawals included in the first set of data. | 12-19-2013 |
20130332349 | ATM FOR USE WITH CASH BILL PAYMENT - A method for employing an electronic self-service apparatus that enables a payor to pay a domestic or foreign, preexisting bill or invoice, using cash, or cash in combination with at least one of, checks, and credit items, wherein any of the items may be in local or foreign currency. The method employs a processing unit and an input module for receiving data entered by the payor at the apparatus. This data input comprises, tactile, optical, voice, smart card, or pre-recorded, computer-readable media device input. It also employs a receiver module configured for receiving cash, checks, and credit items. Communication occurs between, at least two of, the payor, payee, a financial institution and the apparatus. An embodiment may include a visual display, audio output module, and a printer, and an output module for enabling the entry of information to a computer-readable media device. | 12-12-2013 |
20130332336 | MORTGAGE RELATIONSHIP PRICING - Methods and apparatus according to the invention are directed towards providing an offer of discounted pricing of a mortgage product to a customer of a financial institution. Depth of discounting may be related to an extent of the customer's financial relationship with the institution. Assessing the extent may include evaluation of the customer's institutional financial holdings. The methods and apparatus support offering a depth of discounting related to a future extent of the customer's institutional relationship. | 12-12-2013 |
20130325748 | NAVIGATION LOGIC CONSTRUCT FOR USE IN FORMULATION OF A RETIREMENT OUTCOME FRAMEWORK - A method for navigating to one or more customized, goals-based retirement outcome solution(s) is provided. The method may include using a receiver to receive essential expense information from an investor. The method may further include using the receiver to receive income information from the investor. In addition to a receiver, the method may also use a processor. The method may include using the processor to calculate: | 12-05-2013 |
20130325643 | ISOLATED TRANSACTION - Apparatus, methods and media for providing a transaction between a customer and a merchant. The apparatus may include a processor that is configured to register in a machine readable memory a purchasing proxy that corresponds to the customer and the merchant; a receiver that is configured to receive from the merchant transaction information that includes the purchasing proxy; and a transmitter that is configured to transmit transaction authorization information to the merchant based on the transaction information and customer account information that is co-registered, in the machine readable memory, with the purchasing proxy. | 12-05-2013 |
20130317870 | APPARATUS AND METHODS FOR PROCESS CHANGE CONTROL - Apparatus and methods for process change control are provided. Apparatus and methods in accordance with principles described herein may ascertain an employee readiness status. The readiness status may correspond to an ability to implement a process change. Process change control may provide a managed change readiness environment that consistently operates on target with minimal variation enabling a controlled, successful implementation of a process change. Implementation may be controlled through systematic observation, analysis, and reporting of process change requirements. Process change control may reduce deployment defects resulting from change implementation through a tailored, assessment and readiness/certification process. | 11-28-2013 |
20130265136 | DYNAMIC KEYPAD AND FINGERPRINTING SEQUENCE AUTHENTICATION - Systems and methods for authenticating a user's identity at an ATM are provided. Apparatus for implementing the systems and methods may include a first fingerprint scanner and a second fingerprint scanner. Each of the first fingerprint scanner and the second fingerprint scanner may capture at least a portion of the user's biometric information. The apparatus may also include a first display and a second display. The first display may be located proximal to the first fingerprint scanner. The second display may be located proximal to the second fingerprint scanner. Each of the first display and the second display may be configured to display at least one of a plurality of numerical digits. The apparatus may further include a receiver. The receiver may receive information from the first fingerprint scanner, the information relating to user biometric information input into the first fingerprint scanner. | 10-10-2013 |
20130264384 | AUTOMATIC TELLER MACHINE ("ATM") INCLUDING A USER-ACCESSIBLE USB PORT - Systems and methods for authenticating a user's identity at an ATM are provided. A Method for authenticating a user's identity at an Automated Teller Machine (“ATM”) includes using a first receiver to receive information from an ATM touch screen relating to a first numerical digit and a second numerical digit selected by the user. The method further includes using a second receiver to receive information from a fingerprint scanner relating to first biometric information input into the fingerprint scanner and second biometric information input into the fingerprint scanner, wherein the fingerprint scanner is removably coupled to the ATM via a USB port included in a secured portion of the ATM, the secured portion of the ATM being inaccessible to the user. The method may also include using a transmitter to transmit the information received by the first receiver and the second receiver to a remote server. | 10-10-2013 |
20130254009 | TRANSACTION INFORMATION INTERFACE - Apparatus and/or methods for performing a method for distributing rewards points are presented. Such apparatus and methods may include using a receiver module to receive a data file. The data file may include transaction information representing a customer's transactions that occurred over a predetermined period of time. The receiver module may also be configured to receive transaction processing network identification information and rewards partner identification information. The apparatus and/or methods may be further configured to store, in computer readable memory, (1) the data file; (2) transaction processing network identification information; and (3) the rewards partner identification information. The apparatus and/or methods may also include using a processor to retrieve the data file and to instruct a transmission module to transmit the data file to a transaction processing network and to instruct the transmission module to initiate a transfer of funds from the platform to the rewards partner. | 09-26-2013 |
20130216984 | LEARNING ESTIMATION TOOL - Apparatus for determining a cost of designing and developing a teaching method to train a group of employees. The apparatus may include a receiver that receives information relating to a first response selected from a first group of predetermined responses. The first group of predetermined responses may relate to responses to a first question. The apparatus may also include a processor configured to determine, based on the received first response, the amount of time necessary to design and develop the teaching method and to convert the amount of time into a dollar value. The receiver may also receive information relating to a second response selected from a second group of predetermined responses. The second group of predetermined responses may relate to responses to a second question. The processor may also be configured to adjust, based on the received second response, the dollar value associated with the amount of time necessary to design and develop the teaching method. | 08-22-2013 |
20130215767 | APPARATUS AND METHODS FOR ADAPTIVE NETWORK THROTTLING - Apparatus and methods for adaptive network throttling are provided. Adaptive network throttling may allow a device to communicate information using a shared network link without negatively impacting other devices utilizing the shared link. Adaptive network throttling may regulate communication of each device independently of network link or device hardware specifications. Adaptive network throttling may ensure that each device utilizing the shared network link inserts a time delay following a communication of information. The time delay may represent bandwidth on the shared network link that is not being used by a device. The unused bandwidth may be available to other devices communicating over the shared network link. | 08-22-2013 |
20130212171 | SYSTEMS AND METHODS FOR SELECTIVE ROUTING OF REMOTE CLIENT CONTACT(S) - Methods and apparatus perform a method for electronically routing an authenticated client to a pre-determined destination. The method may include authenticating the identity of the client. In response to the authentication of the identity of the client, the method may retrieve contact information associated with the client. The contact information may include identification information for an employee listed on a list of employees pre-approved by the client. The method may further include determining the current availability of the employee for participation in a video conference. If the employee is available, the method may initiate a video conference between the client and a destination associated with the employee. If the employee is not available, the method may retrieve identification information for a second an employee listed on a list of employees pre-approved by the client. | 08-15-2013 |
20130212014 | DISASTER-RELIEF CARDS - Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the locale, authenticating identification of the client, interfacing with an entity administering an account for the client, and facilitating access by the client to the account. The methods and apparatus may also provide support of non-account-related disaster-relief efforts associated with the locale. | 08-15-2013 |
20130211859 | DEVICES AND METHODS FOR DISASTER-RELIEF SUPPORT - Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the locale, authenticating identification of the client, interfacing with an entity administering an account for the client, and facilitating access by the client to the account. The methods and apparatus may also provide support of non-account-related disaster-relief efforts associated with the locale. | 08-15-2013 |
20130208295 | PREDICTIVE FAULT RESOLUTION - A method for predicting failure in an Automated Teller Machine (ATM) is provided. The method may include using a database to store information relating to the performance of a component function by an ATM component. The information may include normal performance information and fault information. The method may further include using a computational module to calculate a fault rate for the ATM component. The method may also include using a processor to compare the calculated fault rate to a threshold value associated with the component function. In the event that the fault rate exceeds the threshold value, the processor may initiate a request for service of the ATM component. | 08-15-2013 |
20130204775 | METHODS AND APPARATUS FOR VALIDATING FILES FOR AN ELECTRONIC PAYMENT SYSTEM - A method and apparatus that validates source files for processing by a payment clearing system. Source files may include one or more electronic payment instructions may be provided by a customer. The source file may be pre-processed to remove extraneous data. Next, records in the source file may be validated. The validated may be mapped into payments fields. The normalized payment fields may be normalized into an abstract form or a format agnostic form. The normalized form of the source file information may be validated for processing by a payment clearing system. If the source file information is valid, the valid information may be used request a transfer by the payment clearing system. Finally, one or more reports describing validation results, indicting a correct source file or acknowledgment of a successful transfer may be sent to the customer. Various levels of detail may be included in the report(s). | 08-08-2013 |
20130203025 | PERFORMANCE AND LEARNING ANALYSIS TOOL - Apparatus for calculating a value relating to the desirability of using a teaching method to train a group of employees. The apparatus may include a receiver configured to receive information relating to a first response selected from a first group of predetermined responses. The first group of predetermined responses may relate to responses to a first question. The apparatus may also include a processor configured to determine, based on the received first response, if the teaching method is a desirable teaching method. In the event that the teaching method is determined to be a desirable teaching method, the processor may assign a first value to the teaching method. In the event that the teaching method is determined to be an undesirable teaching method, the processor may assign a null value to the teaching method. | 08-08-2013 |
20130198102 | METHOD AND APPARATUS FOR APPROVING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to the general ledger system to improve reconciliation of payments and invoices. | 08-01-2013 |
20130198059 | METHOD AND APPARATUS FOR CONFIRMING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to a general ledger system to improve reconciliation of payments and invoices. | 08-01-2013 |
20130198045 | METHOD AND APPARATUS FOR RECONCILING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to the general ledger system to improve reconciliation of payments and invoices. | 08-01-2013 |
20130179461 | Proactive Monitoring of Database Servers - A computer system monitors database servers to mitigate server availability risks. The plurality of servers may be proactively monitored to determine database status at each server before an alert is generated. An automated proactive process executes at a user's desktop to monitor database features over a plurality of database servers. Information about the server status is presented in a graphical user interface (GUI) format where status information for all of the database servers is presented in one integrated view in an automated manner. For example, the monitoring process reads a list of SQL instances and then connects to each listed SQL server to query the system catalogs of an SQL server engine. The monitoring process interprets the received information from the SQL servers and updates the GUI. The GUI may be color-coded to indicate the status state of individual SQL features for each monitored SQL server. | 07-11-2013 |
20130177139 | Dynamic Menu Framework - Systems, methods, and computer readable media for providing a customer service system are provided. In some examples, the customer service system may include a telephone interface and may recognize both speech responses (e.g., voice commands) and/or touch tone responses. The system may include one or more rules for identifying options based on received user input. In some examples, the options provided based on touch tone input may be different from those based on received speech input. In some examples, the speech responses may be determined to meet a confidence threshold in order to progress to the next menu level or set of options. The confidence threshold may be adjusted and/or may be different or customizable for different menu options, levels, etc. | 07-11-2013 |
20130132291 | ASSESSING AGREEMENT COMPLIANCE - Systems and methods for assessing compliance of a financial institutions implementation of an agreement are provided. Compliance may assessed by comparing an effects of a production cycle implementation of an attribute of the agreement to an effect of a test environment implementation of the attribute of the agreement. The assessing may include performing a first pairing of the attribute to a financial product, and monitoring an effect of the first pairing on the financial product. The method may include performing a second pairing of the attribute to a financial product and monitoring an effect of the second pairing on the financial product. The method may include comparing the effect of the first pairing to the effect of the second pairing and based on the comparing, determining whether the financial institution is in compliance with the agreement. | 05-23-2013 |
20130110590 | INDIVIDUAL PERFORMANCE METRICS SCORING AND RANKING | 05-02-2013 |
20130104237 | Managing Risk Associated With Various Transactions - Systems, methods and consumer-readable media for managing risk associated with various transactions are provided. Such methods may include identifying a consumer-based software application for analysis and classifying the consumer-based software application into a plurality of consumer-facing transactions. Each consumer-facing transaction may be rated according to at least one category or criteria. Further, each rating may be converted into a numeric value. Another aspect of the invention may relate to receiving an identification of a list of threats to each of the consumer-facing transactions. These threats may be categorized into threat categories. The impact of each of the threats may be forecasted. The overall impact of the threats as forecasted may be calculated. Yet another aspect of the invention may relate to receiving an identification of a plurality of threat controls that control at least a portion of the plurality of threats. | 04-25-2013 |
20130103453 | REHABILITATION OF UNDERPERFORMING SERVICE CENTERS - This disclosure provides apparatus and methods for rehabilitating an underperforming service center operated by an entity. The service center may be included in a plurality of service centers. A service center may be characterized as underperforming based on a calculated health score. The health score may be based on a technology malfunction that occurred at the service center. The health score may be based on an intensity score. The health score may be based on an incident count. The health score may be based on a network count. The health score may be compared to a threshold. If the health score is below the threshold, the service center may be characterized as underperforming. A service center characterized as underperforming may be included in a chronic list. The chronic list may be mined for patterns characteristic of an underperforming service center. | 04-25-2013 |
20130080214 | Systems and methods for benchmarking diverse spend opportunities - Apparatus, methods and media for benchmarking diverse spend opportunities are provided. A method according to the invention preferably includes receiving financial data corresponding to entity diverse spend and financial data corresponding to total entity spend. The method may further include sorting the data corresponding to NAICS, UNSPSC or SIC code, The method may further include allocating an NAICS. UNSPSC or SIC code in the first column of a spreadsheet, allocating the data corresponding to entity diverse spend (“ds spend”) in the second column, allocating the data corresponding to entity total spend (“t spend”) in the third column; and place the following equation in each of the cells of the fourth column:=(ds spendit spend)*100. The method may further include displaying a list of the percentages of entity diverse spend (“ped(s)”) for each NAICS, UNSPSC or SIC code based on the information in the fourth column, | 03-28-2013 |
20130067581 | INFORMATION SECURITY CONTROL SELF ASSESSMENT - Apparatuses, computer readable media, methods, and systems are described for identifying risk assessment queries for assessing risk of a process, providing the identified risk assessment queries to a client device for presentation, receiving response data from the client device comprising responses to the risk assessment queries, determining response values for at least some of the risk assessment queries based on the received response data, and calculating a process risk metric based on the determined response values. | 03-14-2013 |
20130061179 | IDENTIFICATION AND ESCALATION OF RISK-RELATED DATA - Apparatus for processing customer information is provided. The apparatus may include a receiver configured to receive information relating to a customer. The information may satisfy pre-determined criteria. The pre-determined criteria is arranged to support a qualification of the customer as a high risk customer. The information may be received from one of a plurality of third party vendors. The information may include a client identification number, a client tax number and a client social security number. The apparatus may also include a processor configured to cause a graphical user interface (“GUI”) to display a plurality of user roles in a drop-down menu. Each of the user roles defines a set of user entitlements. In the event that the financial institution database includes information relating to the high risk customer, the processor may be further configured to transfer the information to one or more of a plurality of receivers. | 03-07-2013 |
20130060589 | ASSOCIATE RISK ANALYSIS - Methods and apparatus according to the invention are directed towards providing means for identifying a selection of entity associates that may contain a perpetrator of claimed fraud against an entity account. Means are also provided for scoring the associates within the selection as to relative likelihood of being the perpetrator. Identification means and scoring means may include analyses of the number and nature of connections associates may have with the frauded account, with other entity accounts, with past claims of fraud, and with other associates. | 03-07-2013 |
20130054360 | Computer System for Supporting an Aggregate Green Goal for a Customer Group - A computer system receives information that specifies members of a group and obtains a green goal for the group, where the green goal may comprise of at least one criterion. The green goal may be determined by a business offering a reward and/or by the group members. For example, the computer system may send a list of possible green criteria to specify the group's green goal. Group members may select one or more criteria from the list so that the group's green goal may be determined by a predetermined voting procedure. Based on information about purchases by members of the group, the computer system determines whether the green goal has been attained. If so, a reward may be presented to the group members and/or green organization. The computer system may also generate a recommendation to the group members about attaining the green goal. | 02-28-2013 |
20130054359 | Computer System for Generating Recommendations to a Customer About Being Greener - A computer system obtains purchase history data about past purchases from merchants by a customer. Based on location information about the merchants, the computer system determines a bundled travel plan so that the customer may travel to the merchants in a single trip to reduce a trip characteristic such as travel time, mileage, gasoline usage, or a combination thereof. The computer system may further send map information to a terminal device to display the bundled travel plan to facilitate navigation by the customer. The computer system may also provide a suggested purchase alternative for one of the past purchases by a customer. For example, the computer system may consider different factors including the relative degree of greenness between the past purchase and the suggested purchase alternative based on carbon footprints. | 02-28-2013 |
20130054358 | Computer System for Identifying Green Merchants Within a Range of a Mobile Device - A computer system determines whether any green merchants are located within a predetermined range from a mobile device. The computer system receives location information about the mobile device and determines whether any green merchants are located within a predetermined range of the mobile device's location. If so, the computer system sends merchant information about the identified green merchants to the mobile device. When a merchant's location is not within a predetermined range but within a neighboring area, the computer system may include a recommendation about the green merchant within the merchant information. A customer may indicate a merchant category through the mobile device so that the computer system may restrict merchant information only to green merchants within the category. The customer may also include a description from the mobile device to the computer system in order to obtain merchant information about a green merchant offering the green item. | 02-28-2013 |
20130054334 | MONITORING OF ACTIVITY TO MITIGATE ACCOUNT ATTRITION - Apparatuses, computer readable media, methods, and systems are described for identifying a change or an increased likelihood of a change in a usage pattern of an account, generating an offer in response to the identifying, the offer comprising an incentive for use of the account in future transactions, and causing transmission of the offer. | 02-28-2013 |
20130054332 | Computer System Supporting Green Incentive Program - A computer system processes transaction data about a customer's purchase. The computer system may access green index data that includes information about environmentally green purchases for green purchases. Based on comparing the green index data and the transaction data, an award may be provided to the customer in accordance with at least one purchase criterion, such as the purchase price and/or the degree of greenness of the purchased item. The account data for the customer is consequently updated for the award. The green index data may be derived by obtaining a list of candidate merchants and by comparing characteristics of a candidate merchant with at least one green factor. The candidate merchant may then be included in the green index data when a merchant score is greater than a predetermined score, where the merchant score may be based on the green characteristics of the candidate merchant. | 02-28-2013 |
20130054327 | REDEMPTION OF REWARDS POINTS FOR USE WITH PRODUCTS AND SERVICES - Apparatuses, computer readable media, methods, and systems are described for determining a first amount of points associated with an account, providing an offer comprising a financial term and a second amount of points required to adjust the financial term, and causing execution of a transaction to execute the offer for the adjusted financial term in response to determining that the first amount of points equals or exceeds the second amount of points. | 02-28-2013 |
20130054313 | Computer System for Generating Purchase Recommendations with Corresponding Loan Offers - A computer system receives specification information about a future purchase by a customer and subsequently determines a candidate purchase from the specification information. The computer system may also generate and send a loan offer for the candidate purchase based on the degree of greenness of the candidate purchase. If the computer receives a response that is indicative of selecting the candidate purchase by the customer, the computer system may initiate a loan procedure for the candidate purchase and/or a reward for the candidate purchase. The loan offer for purchasing an item may be at least partially structured according to the degree of greenness of the item. For example, the interest rate for the loan may be reduced with the increased degree of greenness. | 02-28-2013 |
20130054300 | FINANCIAL STATEMENT ANALYZER - Apparatus, methods and media for providing a supply chain link performance change indicator. The apparatus may include, and the methods and media may involve a processor module, a receiver module and an output device. The processor module may provide to a user a vector selection control. The receiver module may receive financial data corresponding to the supply chain link. The financial data may include a plurality of vectors. The receiver may receive via the vector selection control a first vector identifier corresponding to a first vector in the plurality of vectors and a second vector identifier corresponding to a second vector in the plurality of vectors. The output device may provide to the user a first supply chain link performance change indicator corresponding to the first vector and a second supply chain link performance change indicator corresponding to the second vector. | 02-28-2013 |
20130046667 | METHODS AND SYSTEMS FOR MODELING DEPOSITS' DATA - Systems and methods according to the invention preferably determine errors in a financial institutions implementation of production changes, production modifications and/or a new production release by comparing critical interface data from a production cycle to critical interface data from a test environment cycle. | 02-21-2013 |
20130046666 | RELATIONSHIP-BASED PRICING - Customers may utilize different services or products of a provider. The different services or products utilized by a customer may create different relationships between the provider and the customer. Systems and methods are provided for coordinating the different relationships to provide relationship-based pricing. Relationship-based pricing may increase customer satisfaction with services or products offered by the provider. Systems and methods may adjust fees associated with services or products of the provider by coordinating the different relationships. The fees may be decreased or waived to increase customer satisfaction. | 02-21-2013 |
20130042261 | ELECTRONIC VIDEO MEDIA E-WALLET APPLICATION - Systems and methods for an electronic video media e-wallet application have been provided. An apparatus for providing a viewer of a video with an electronic video wallet may be included within the scope of the invention. The apparatus may include a radio frequency identification device (“RFID”) tag. The RFID tag may be associated with an item in the video. The apparatus may also include a video camera comprising an antenna. The antenna may receive signals from the RFID tag. The signals may include purchasing information associated with the item. | 02-14-2013 |
20130031028 | Exchange System Supporting Cloud Computing - A cloud exchange system processes transactions for cloud computing services. Cloud resources may be viewed as commodities, in which cloud customers may be dependent on cloud providers to provide hosted centralized computer facilities. The cloud customer may move computing services in the form of one or more virtual machines by buying a contract that specifies the cloud services and is purchased through the cloud exchange system. The cloud exchange system may receive a request from the cloud customer and an offer from a cloud provider for a cloud service and may match the request and the offer to obtain matched attributes. One of the available contracts may be selected by the cloud exchange system based on the matched attributes of the request and the offer, where the selected contract specifies the cloud service. A transaction charge for the transaction may be determined from at least one of the matched attributes. | 01-31-2013 |
20130024331 | ANOMALOUS BILLING EVENT CORRELATION ENGINE - Apparatus, methods and computer readable media for processing invoice data. The apparatus may include, and the methods and media may involve a processor module and a machine memory module. The processor module may extract from an invoice a billing event identifier that identifies a billing event. The processor module may query an index in the machine memory module for a billing event descriptor that is designated for the billing event. The processor module may identify in the machine memory index a provisional billing event descriptor that corresponds to a derivative of the billing event identifier. The processor module may join the provisional billing event descriptor to a record corresponding to the billing event identifier. The processor module may flag the record to indicate the presence of the provisional billing event descriptor. | 01-24-2013 |
20130018788 | VIDEO-ASSISTED SELF-SERVICE TRANSACTION DEVICE - While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. An error may occur during the transaction. In response to detecting the error, video agent(s) having video or audio functionalities to service the error may be identified. Servicing the error may also be based on a length of a wait time to connect to an appropriate video agent. If the wait time exceeds a predetermined threshold, an error receipt identifying the error and other information may be printed by the self-service video transaction device. If the wait time does not exceed the predetermined threshold, a display device of the self-service video transaction device may display an option for the user to connect to the video agent terminal. | 01-17-2013 |
20130016173 | VIDEO-ASSISTED SELF-SERVICE TRANSACTION DEVICE - While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. Video and/or audio functionalities may be enabled or disabled based on a length of a wait time to connect to a video agent. If the wait time exceeds a predetermined threshold, video and/or audio functionalities may be disabled, and the self-service device may generate a display indicating that video and/or audio functionalities are unavailable. If the wait time does not exceed the predetermined threshold, video and/or audio functionalities may be enabled, and the self-service device may generate a display indicating that video and/or audio functionalities are available. | 01-17-2013 |
20130013505 | TRANSACTION ENGINE REMOTE CONTROL - Apparatus and methods for controlling account access. The apparatus may include a receiver that is configured to receive from a customer an account access control instruction. The account access control instruction may change an access status of an account that holds funds belonging to the customer. The customer may be one of a plurality of customers of a financial institution. Each of the customers may own funds that are held in different accounts. The apparatus may include a processor. The processor may initialize an account access control program; and change the access status of the account between an activated state and a deactivated state. The processor may change the access status by transmitting a data object to an electronic payment platform. | 01-10-2013 |
20130013495 | TRANSACTION INFORMATION ROUTING - Apparatus and methods for routing transaction information. The apparatus and methods may involve using receiving the transaction information; retrieving from computer readable memory: (a) a transaction information routing rule; and (b) transaction service provider information; and formulating routing information based on the transaction information, the transaction service provider information and the routing rule. The apparatus and methods may identify prospective recipients, among participants in a transaction, for receipt of the transaction information. | 01-10-2013 |
20130013441 | TRANSACTION SERVICES REVERSE AUCTION - A reverse auction platform for selecting a transaction service is provided. The platform may include a database configured to store a request for a transaction service and to store fee bids corresponding to the transaction service. The platform may also include a memory configured to store execution instructions as well as a processor coupled with the database and the memory. The processor may be configured to execute the instructions. The instructions may be configured to cause the processor to receive a request for a transaction service; to present the request; and to select a transaction service based on a fee bid corresponding to the transaction service. | 01-10-2013 |
20130013374 | RELATIONSHIP PRICING MEASUREMENT FRAMEWORK - Apparatus for providing hypotheses prioritization and analysis are provided. The apparatus may include an electronic processor module. The electronic processor module may be configured to calculate enterprise-wide exposure to a plurality of entities. The plurality of entities may include countries, other enterprises, interest rates and/or other financial statistics. The electronic processor modulo may be further configured to determine, with respect to a single one or more of the plurality of entities, at least one of a market risk metric, a value at risk metric, an issuer risk metric, a counterparty risk metric and a financial risk metric. The apparatus may further include an output device configured to output a risk value reflective of the at least one of a market risk metric, a value at risk metric, an issuer risk metric, a counterparty risk metric and a financial risk metric. | 01-10-2013 |
20130006705 | Small business intelligence tool - Aspects of the disclosure relate to systems and methods for electronically displaying an indication of customer spending associated with a pre-determined business location. The method includes using a receiver to receive an electronic request. The request authorizes retrieval of customer spend information associated with the location. The customer spend information may be based on customer credit, debit and/or check transactions. The customer spend information includes a plurality of customer spend data points. The method further includes using the receiver to receive an electronic selection of a limitation of the distance from the pre-determined business location. The limitation may limit the retrieval of customer spend information to a radius corresponding to the limitation. | 01-03-2013 |
20120324278 | METHOD AND APPARATUS FOR IMPROVING ACCESS TO AN ATM DURING A DISASTER - A method and apparatus that allow a user to easily operate a self-service device despite the presence of damage is provided. Anticipated damage includes extreme environmental conditions such as earthquakes, flooding, strong winds, tsunamis, etc. These conditions may cause a failure in a portion of the self-service device. Improved ruggedness and redundant components are coordinated by suitable software to provide service despite damage to the self-service device. Additionally, access to some user accounts despite the loss of connectivity to a server maintaining user accounts is provided. | 12-20-2012 |
20120323784 | DYNAMIC PAYMENT GENERATOR - Apparatus and methods for providing a dynamic payment generator are provided. A customer of a financial institution may desire to conduct a transaction involving a transferor or transferee financial institution without prior knowledge regarding unique and specific information required by the transferor or transferee institution. In some embodiments, apparatus and methods may detect information entered by the customer and dynamically prompt the customer for additional information required by the transferor or transferee institution. Apparatus and methods may pre-fill fields on a form displayed to the customer with information required by the transferor or transferee institution. | 12-20-2012 |
20120323775 | ENHANCED SEARCHABILITY OF FIELDS ASSOCIATED WITH ONLINE BILLPAY MEMO DATA - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. The field(s) associated with the attachment may be searchable. Such fields may be searchable by a characteristic of the attachment. Characteristics may include content of the attachment of an electronic format of the attachment. | 12-20-2012 |
20120323768 | SMS BENEFICIARY ADVISING - Apparatus and methods for communicating a notification of a status of a payment are provided. The payment may be an electronic payment. The apparatus and methods may involve receiving an electronic request from a payor to transmit a payment to a payee. The status of a payment may include steps that have been completed, have not been completed, and/or are currently in progress in a process of fulfilling the payor's request. Status may include an estimate of time remaining until the fulfillment process is completed. The electronic request may include a notification preference. A notification preference may include a destination for receiving the notification. A method of communicating a notification may include any suitable paper or electronic communication method. The notification may be automatically stored in a database for future reference. | 12-20-2012 |
20120278234 | FAST CASH AT ATM - Apparatus and methods for an enhanced cash withdrawal transaction option are provided. The enhanced cash withdrawal transaction option may include using an ATM to display an initial ATM display. The initial ATM display may display multiple transaction options, the multiple transaction options including at least one cash withdrawal amount. Apparatus and methods for an additional enhanced cash withdrawal transaction are provided. The additional enhanced cash withdrawal transaction may enable a user to type an ATM PIN in an ATM keypad followed by a cash withdrawal amount. Apparatus and methods for an enhanced ATM customer display are also provided. The enhanced ATM customer display according to the systems and methods of the invention may customize an ordered ATM customer flow based on historical customer usage data. | 11-01-2012 |
20120246044 | Account and Investment Market Monitoring Tools - Aspects of the present disclosure are directed to a method and system for customers with an account associated with a financial entity to access their accounts and stay on top of one or more financial markets. In accordance with one or more aspects of the present disclosure, customers can review balances, and review holdings. Customers also can stay on top of trades and transactions while still being mobile, e.g., on the go utilizing a handheld computing device. Customers may utilize one or more aspects of the present disclosure to review research reports as well as third-party ratings for potential financial transactions. Customers may receive up-to-the-minute news on one or more financial markets, including real-time quotes, in addition to the ability to see only those research reports, third-party ratings, news on financial markets, and/or particular assets, that the customer has customized. | 09-27-2012 |
20120246024 | SELF-SERVICE HOME BUYING - According to some embodiments, a system comprises an interface and one or more processors. The interface receives a search request indicating that a buyer requests to search for properties to evaluate. The one or more processors determine one or more buyer preferences that describe preferred characteristics for the properties according to the buyer. The one or more processors also determine whether an available property located proximate to a device associated with the buyer satisfies at least a threshold amount of the buyer preferences. If the available property satisfies at least a threshold amount of buyer preferences, the interface communicates a notification recommending that the buyer evaluate the available property. | 09-27-2012 |
20120185386 | AUTHENTICATION TOOL - An electronic funds transfer authentication system and method facilitates the verification and authentication of a user and if authenticated allows the user to perform an action in an online system, such as an electronic funds transfer. The user-entered data is validated, and then the action (e.g., electronic funds transfer) is validated using credit/debit card information. Using a unique combination of security measures and procedures, the risk associated with various types of action and fund transfers is reduced, thereby enabling a financial institution to protect its customers' accounts with a greater degree of certainty. | 07-19-2012 |
20120179626 | SYSTEMS FOR STRUCTURED INVESTMENT SEEDING - The disclosure provides an investment structure and corresponding arrangement which involves methods and systems whereby the asset manager directly or indirectly makes a seed investment in the new fund and hedges its risk, while obtaining financing on its investment. Additionally, in another embodiment, the financial institution or asset manager may actually make an investment into the fund and hedge itself by trading with the fund. The financial institution would require little collateral as the methods and systems of the disclosure are designed to recognize offsetting positions and early detect any hedging mismatches. | 07-12-2012 |
20120143903 | METHOD AND APPARATUS FOR GLOBAL INFORMATION REPORTING - Systems and methods for global information reporting are provided. A global information reporting system according to the invention may include a database configured to store reporting information, memory configured to store execution instructions and a processor coupled with the database and the memory. The processor is configured to execute the instructions. Preferably the system incorporates HTML with active areas. The active areas load small Java® applets, permitting rapid page loads. The Java® applets facilitate manipulation of the viewable portion of reports. The same applets can search data in the viewable and the non-viewable portions of the data set. Sticky notes may be attached to reports or transaction to “follow” the data during storage and provide persistent reminders. | 06-07-2012 |
20120130842 | TRANSACTION SERVICES REVERSE AUCTION - A reverse auction platform for selecting a transaction service is provided. The platform may include a database configured to store a request for a transaction service and to store fee bids corresponding to the transaction service. The platform may also include a memory configured to store execution instructions as well as a processor coupled with the database and the memory. The processor may be configured to execute the instructions. The instructions may be configured to cause the processor to receive a request for a transaction service; to present the request; and to select a transaction service based on a fee bid corresponding to the transaction service. | 05-24-2012 |
20120072336 | METHOD AND APPARATUS FOR GLOBAL UNDERWRITING AND EXPRESS LOAN ORIGINATION - A method and apparatus that allow a rapid evaluation and origination of loans is provided. The creditworthiness of potential borrowers may be evaluated by multiple models. Some models may provide a nuanced evaluation of creditworthiness, while other models generate cross-sell opportunities. The models may implement a strategy. The model may be run on a logic engine or engines. The evaluation may utilize multiple stages, whereby each stage is reached only if the earlier stages are passed. Evaluation may utilize a multi-level strategy. In the event that a loan cannot be reasonably provided, the potential borrower may be given suitable reasons and/or be presented with alternative credit products. | 03-22-2012 |
20120066773 | INFORMATION SAFEGUARD TOOL - Embodiments of the present invention relate to methods and apparatuses for safeguarding information by, for example, controlling access to electronic files. Some embodiments of the present invention provide a method that includes embedding a script in an electronic file, where the script comprises commands that when operated on by a processor allow a recipient device to access the electronic file if either a token associated with the recipient device is detected or the recipient device is determined to be an authorized device. | 03-15-2012 |
20120022987 | Personal Data Aggregation, Integration and Access - A data storage archive is provided for storing personal information and other data from a variety of disparate information sources. The information stored may be later electronically accessed and retrieved by users without requiring the users to carry physical documentation having the information stored thereon. The information may be stored in association with a user's financial account at a financial institution. For example, the information may be indexed or stored in an account identified by the user's financial account number or other financial identifier. In some arrangements, accessing the personal information may include a validation process using a security device separate from a device through which a user is attempting to access the information. Personal information may also be shared among financial account holders based on legal and financial relationships known to the financial institution. A user may also manually assign access privileges to other users. | 01-26-2012 |
20110316997 | ATM INCLUDING ENHANCED PRIVACY FEATURES - A method for minimizing glare and/or increasing privacy for a user of a self-service device is provided. The method may include mechanical means such as a fixed visor and/or hood or a user operated hinged glare reducing overlay screen. The method may further include as using sensors that detect the user's eyes and other sensors to detect a source of light that produces glare. Information from these sensors may be sent to a computer controlled system that operates system of actuators. The actuators are operated by the computer in response to sensor inputs to adjust the screen angle relative the user to minimize glare for that user and/or increase privacy from surreptitiously observing eyes or cameras. | 12-29-2011 |
20110316828 | METHOD AND APPARATUS FOR REDUCING GLARE AND/OR INCREASING PRIVACY OF A SELF-SERVICE DEVICE - A method for minimizing glare and/or increasing privacy for a user of a self-service device is provided. The method may include mechanical means such as a fixed visor and/or hood or a user operated hinged glare reducing overlay screen. The method may further include as using sensors that detect the user's eyes and other sensors to detect a source of light that produces glare. Information from these sensors may be sent to a computer controlled system that operates system of actuators. The actuators are operated by the computer in response to sensor inputs to adjust the screen angle relative the user to minimize glare for that user and/or increase privacy from surreptitiously observing eyes or cameras. | 12-29-2011 |
20110283146 | RISK ELEMENT CONSOLIDATION - Apparatus and methods for reducing infrastructure failure rates. The apparatus and methods may involve reduction of data complexity. The reduction may be based on the use of nonlinear analysis to derive representative variables, which may be multi-valued. Multi-valued variables may be consolidated. A model may be developed based on the values and relationships of the derived variables. The model may be applied to assess the risk involved in a prospective infrastructure change. | 11-17-2011 |
20110283145 | TECHNOLOGY INFRASTRUCTURE-CHANGE RISK MODEL - Apparatus and methods for reducing infrastructure failure rates. The apparatus and methods may compile and store data related to the physical devices and applications associated with an infrastructure change. Variables may be derived from the stored data using a range of methods and multiple variable values may be consolidated. A model may be developed based on the values and relationships of the derived variables. The model may be applied to assess the risk of a prospective infrastructure change. | 11-17-2011 |
20110282817 | ORGANIZATION-SEGMENT-BASED RISK ANALYSIS MODEL - Apparatus and methods for reducing infrastructure failure rates. The apparatus and methods may compile and store data related to the organizational segments associated with the approval and implementation of an infrastructure change. Variables may be derived from the data using a range of methods, and multiple variable values may be consolidated. A model may be developed based on the values and relationships of the derived variables. The model may be applied to assess the risk involved in a prospective infrastructure change. | 11-17-2011 |
20110246279 | COMMUNITY REWARDS - Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined by a particular geographic area. In other embodiments, the predefined community is created by the consumers themselves. | 10-06-2011 |
20110246272 | MERCHANT-BASED COMMUNITY REWARDS - Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined at least in part by a particular one or more merchants. | 10-06-2011 |
20110238596 | TRANSACTION INFORMATION ROUTING - Apparatus and methods for routing transaction information. The apparatus and methods may involve using receiving the transaction information; retrieving from computer readable memory: (a) a transaction information routing rule; and (b) transaction service provider information; and formulating routing information based on the transaction information, the transaction service provider information and the routing rule. The apparatus and methods may identify prospective recipients, among participants in a transaction, for receipt of the transaction information. | 09-29-2011 |
20110231705 | ADAPTIVE DIAGNOSTICS FOR IMPLEMENTATION OF AN AUTOMATED TELLER MACHINE("ATM") THIN-CLIENT MODE - Thus, methods and apparatus for providing adaptive diagnostics for ATM fault conditions are provided. Such methods and apparatus may include one or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for diagnosing an electronic self-service device fault condition. The method may include receiving an input from a self-service device. The input may include information regarding a fault-related event. The method may also include assessing a plurality of system-level ramifications of the fault-related event. In response to the assessing, the method may further include determining continued viability of a plurality of ATM services. The method may also include electronically providing a notification of a list of remaining viable self-service device services. | 09-22-2011 |
20110208588 | FINANCIAL TRANSACTION DATA PROFILE - Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile. | 08-25-2011 |
20110202414 | METHOD AND APPARATUS FOR PROVIDING VISUAL FEEDBACK THROUGH A PHYSICAL MECHANISM - Thus, systems and methods for providing visual feedback for a banking customer have been provided. Such systems may include a financial instrument preparation device. Such a device may be used for providing cues to a banking customer. The financial instrument preparation device may include a cueing panel and an integrated silicon chip. The chip may further include a communications module for receiving an electronic signal relating to the banking customer's account balance. The chip may also include a computer processing unit for storing the electronic signal in a computer memory. In addition the chip may include an output signal connected to the cueing panel. The output signal may be based, at least in part, on the electronic signal. | 08-18-2011 |
20110201960 | SYSTEMS FOR INDUCING CHANGE IN A HUMAN PHYSIOLOGICAL CHARACTERISTIC - Systems and methods for inducing a change in a human physiological characteristic. The physiological characteristic may correspond to an emotional state of a dialogue participant. The dialogue participant may be an individual participating in a conversation. The outcome of the conversation may be related to a business objective, such as providing high quality call center services. A sensor may monitor the physiologic characteristic. A processor may relate the physiologic characteristic to an emotional state. The processor may provide feedback to the individual based on the emotional state. The feedback may be formulated to change the individual's emotional state. | 08-18-2011 |
20110201959 | SYSTEMS FOR INDUCING CHANGE IN A HUMAN PHYSIOLOGICAL CHARACTERISTIC - Systems and methods for inducing a change in a human physiological characteristic. The physiological characteristic may correspond to an emotional state of a dialogue participant. The dialogue participant may be an individual participating in a conversation. The outcome of the conversation may be related to a business objective, such as providing high quality call center services. A sensor may monitor the physiologic characteristic. A processor may relate the physiologic characteristic to an emotional state. The processor may provide feedback to the individual based on the emotional state. The feedback may be formulated to change the individual's emotional state. | 08-18-2011 |
20110201899 | SYSTEMS FOR INDUCING CHANGE IN A HUMAN PHYSIOLOGICAL CHARACTERISTIC - Systems and methods for inducing a change in a human physiological characteristic. The physiological characteristic may correspond to an emotional state of a dialogue participant. The dialogue participant may be an individual participating in a conversation. The outcome of the conversation may be related to a business objective, such as providing high quality call center services. A sensor may monitor the physiologic characteristic. A processor may relate the physiologic characteristic to an emotional state. The processor may provide feedback to the individual based on the emotional state. The feedback may be formulated to change the individual's emotional state. | 08-18-2011 |
20110179352 | SYSTEMS AND METHODS FOR PROVIDING CONTENT AWARE DOCUMENT ANALYSIS AND MODIFICATION - Systems, methods and consumer-readable media for providing content-aware document analysis and modification are provided. A system for analyzing document content according to the invention may include a rules server that stores a set of expressions. Such expressions may define predetermined confidential information and/or patterns of confidential expressions. The system may further include a communication plugin that provides a platform for incorporating the set of confidential expression patterns as part of a document-producing application. Following incorporation of the communication plugin, an inline document monitor module according to the invention may form part of the document-producing application. The inline document monitor may monitor for the occurrence of at least one of the set of confidential expression patterns in a document. | 07-21-2011 |
20110125615 | SELF-SERVICE DEVICE INVENTORY INFORMATION CONTROL - Apparatus and methods for servicing a self-service device (“SSD”) such as an ATM. The SSD may include a customer service module that may perform part of a transaction or provide a service in support of the transaction. For example, the customer service module may be a currency acceptor, a printer, EPROM or any other device or circuit that is present in the SSD. The SSD may include a component map that may be stored in machine readable memory. An element of the map may correspond to the component. The SSD may include a central processing unit that may revise the map based on input from a service technician or machine-generated information. The map may be used to track the presence of the component in the SSD. | 05-26-2011 |
20110060691 | TARGETABLE MULTI-MEDIA PROMOTION CHANNEL AT POINT OF SALE - Apparatus and methods for providing a targetable multi-media promotion channel at the point of sale are provided. The apparatus may include a system for providing to a customer an offer at a point of sale terminal. The system may include machine readable memory configured to store in an offer platform offer information corresponding to a first item. The system may also include an electromagnetic transmitter module configured to transmit the offer information to the point of sale terminal for presentation by the point of sale terminal during a transaction for a second item. The system may also include an electromagnetic receiver module configured to receive an offer acceptance corresponding to the offer information before the customer pays for the second item. | 03-10-2011 |
20110060641 | CUSTOMER BENEFIT OFFERS AT KIOSKS AND SELF-SERVICE DEVICES - Apparatus and methods for providing customer benefit offers at kiosks and self-service devices are provided. A method for providing customer benefit offer information according to the invention may include using a processor module to receive from an interactive display a customer instruction to dispense cash and dispensing the cash. The method may further include receiving purchasing instrument information from a purchasing instrument interface. The purchasing instrument information may correspond to the purchasing instrument of a customer. The method may further include using an electronic transmitter module to query customer benefit offer information from an offer processor via an electronic communication network. The method may also include using an output device to provide the customer benefit offer information to the customer. | 03-10-2011 |
20110060636 | TARGETED CUSTOMER BENEFIT OFFERS - Apparatus and methods for providing targeted customer benefit offers are provided. A system for associating a customer benefit offer with a purchasing instrument, the purchasing instrument associated with an account on an electronic offer platform, the account being associated with a customer, is provided. The system may include an electromagnetic receiver module configured to receive a customer benefit offer from an offer source and customer purchasing behavior data. The data may correspond to the customer. The system may also include a processor module configured to determine if the customer benefit offer is compatible with the customer based on the data and, if the customer benefit offer is compatible with the customer, store the customer benefit offer on the platform for transmission to the customer. | 03-10-2011 |
20110060634 | ACTIVATION OF ELECTRONIC CUSTOMER BENEFIT OFFERS - Apparatus and methods for activation of electronic customer benefit offers are provided. Such apparatus and methods may include a system for activating a customer benefit offer. The system may include an electromagnetic transmitter module configured to transmit customer benefit offer information from an offer platform to a customer via a communication channel selected by the customer. The customer benefit offer information may correspond to the customer benefit offer. The system may also include an electromagnetic receiver module configured to receive from the customer an acknowledgment of the customer benefit offer. The system may also include a data processing machine configured to mark a record in an account on the offer platform as “active.” The record may correspond to the customer benefit offer and the account may correspond to the customer. The purchasing instrument identifier may be linked to the account. The active customer benefit offer may be redeemed by use of the purchasing instrument to purchase goods corresponding to the customer benefit offer. | 03-10-2011 |
20110060631 | REDEMPTION OF CUSTOMER BENEFIT OFFERS BASED ON GOODS IDENTIFICATION - Apparatus and methods for redemption of customer benefit offers based on goods identification are provided. A system for redeeming a customer benefit offer that is represented in an account maintained on an offer platform according to the invention may include an electromagnetic receiver module configured to receive transaction information from a point of sale terminal, the transaction information being based on a transaction and including an identifier of a purchasing instrument used to execute the transaction and an identifier of an item that is part of the transaction and a quantity corresponding to the number of items having the same identifier in the transaction. The system may also include a processing module configured to: identify in an offer platform a customer benefit offer corresponding to the purchasing instrument, the item identifier and the quantity; and further configured to mark a record in the account as “redeemed,” the record corresponding to the customer benefit offer. | 03-10-2011 |
20110057027 | CUSTOMER BENEFIT OFFER PROGRAM ENROLLMENT - Apparatus and methods for providing customer benefit offer program enrollment are provided. A system for enrolling a purchasing instrument in an electronic customer benefit offer program an electromagnetic receiver module. The receiver module may be configured to receive data from the purchasing instrument and receive from a customer a customer selection of a notification channel, the channel to be used for notifying the customer about a customer benefit. The system may also include a processor module configured to associate the purchasing instrument data with an account on an electronic platform so that a customer benefit offer that is stored on the platform may be associated with the purchasing instrument. | 03-10-2011 |
20110051909 | PHONE KEY AUTHENTICATION - A phone key registration process between a user and an institution directed to establishing an audible sound or a collection of audible sounds recognizable to a user and stored with the institution. Subsequent to establishing the phone key, when the institution calls the user, the registered phone key may be played back to the user allowing the user to authenticate that the calling party is, indeed, the institution which the user registered the phone key with. Such a process may prevent an unauthorized party without knowledge of the phone key to call a user acting as the institution to illegally obtain private or sensitive information. | 03-03-2011 |
20100268629 | CONCRETE BUDGETING - Apparatus and methods for supporting a budgeting process are provided. A method according to the invention may include operating an electronic information processing platform to receive an electronic confirmation of one of a purchase, a savings transaction, and an investment transaction. The method may further include performing a reevaluation of a future savings goal in response to the confirmation. The method may also include performing one of the following in response to the reevaluation: 1) presenting an alternative to the future savings goal and 2) auto-executing a process. The auto-executing may be based on pre-determined rules. | 10-21-2010 |
20100250379 | INTERACTIVE INTERCHANGE RATE DECISIONING - Apparatus and methods for providing transaction fee information to a customer. The apparatus and methods may provide to a customer at a merchant point of sale terminal information regarding a transaction fee. The transaction may be based on the customer's credit card or other purchasing instrument. The transaction fee may be imposed by an issuer of the credit card. The merchant may be required to pay the fee. The point of sale terminal may be configured to provide an opportunity for the customer to decide, based on the transaction fee, whether to continue the transaction or obtain information about fees associated with other credit cards. | 09-30-2010 |
20100241584 | FLEXIBLE DESIGN PENSION ACCOUNT - Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax-deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator. | 09-23-2010 |
20100241559 | FINANCIAL SOCIAL NETWORKING - Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account. | 09-23-2010 |
20100241546 | PERSONAL FINANCIAL NETWORK - Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another. | 09-23-2010 |
20100241545 | MASTER FINANCIAL ACCOUNT - Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account. | 09-23-2010 |
20100239085 | CROSS CHANNEL CONTACT HISTORY MANAGEMENT - Apparatus and methods for providing customer interaction information to a business channel. The apparatus and methods may involve receiving from a first business channel a first customer interaction data structure corresponding to a customer interaction, storing a data object corresponding to the first customer interaction data structure; and providing to a second business channel formatting information corresponding to the first customer interaction data structure. The first and second business channels may thus use independent data structures for storing their customer interaction information in a centralized database. The first and second data structures may view the other's data structures using formatting from the other channel. | 09-23-2010 |
20100191581 | OBJECTIVE ACHIEVEMENT MANAGEMENT - A method to manage achieving an objective may include collecting data related to the objective and determining a set of drivers related to the objective. The method may also include calculating a gap for each driver between a baseline and a goal for the objective. The method may further include analyzing the gap to associate a quantity of gap points with each driver to achieve the goal. | 07-29-2010 |
20100169386 | IDENTITY DATABASE BUREAU - Systems and methods for making biometric data susceptible to use in locating individuals and tracking the location of individuals over time are provided. The system may involve the collection of initial biometric data, including iris scans, and corresponding identification information, the entry of such data into a database, and then the further collection of biometric data associated with locational information and entry of that data into a database correlating to the first database. | 07-01-2010 |
20100156591 | Facility Access Integrated With Other Security Systems - Systems and methods for integrating facility access with other security systems are described. An individual seeking access authorization to a facility may be identified with a biometric parameter such as an iris scan. If authorized, the system may allow entry by disabling the alarm system, and a time period for access may be determined based on one or more characteristics associated with the individual. These characteristics may include the functional role of the individual at the facility and/or the location of the facility itself. Moreover, this facility access authorization system may be integrated with a network access authorization system associated with the facility so that when an individual gains access to the facility for a specific time period, the system is also able to determine how long the individual may access its network resources. | 06-24-2010 |
20100153502 | TEXT CHAT FOR AT-RISK CUSTOMERS - Apparatus and methods for supporting text chat for at-risk customers are provided. A method for operating an electronic information processing platform may include receiving, via the electronic information processing platform, information indicating that a customer exhibits behavior indicative of a desire to terminate a relationship with an entity. The method may further include, transmitting to the customer a text chat invitation, via the electronic information processing platform, in response to the received information. | 06-17-2010 |
20100114659 | MINING PUBLIC MEDIA FOR CONSUMER RESPONSE INFORMATION - Systems and methods for inferring the success or failure of a third-party Marketing Effort Assays (MEAs) from the marketing efforts of that third party which follow up on the MEA are provided. The system may involve identifying Initial MEA Marketing Efforts (IMEs) by the use of keyword analysis, maintaining a database of such marketing efforts, and comparing those IMEs to later-observed follow-up marketing efforts. The system may further involve establishing geographically or demographically similar peer groupings and applying the inferred success or failure of the MEAs in one such peer group member to another such peer group member. | 05-06-2010 |
20100106639 | APPARATUS AND METHODS FOR FACILITATING REAL ESTATE TRANSACTIONS - Apparatus and methods for approving financing for the sale of real estate. The apparatus and methods may involve receiving from a seller, or a seller's agent, information regarding the property so that a financial institution can determine a loan amount before the seller is engaged by a buyer. The financial institution may order from vendors documentation and certification desired or required for closing. The financial institution may issue a seal certifying that the financial institution has pre-approved a loan in a stated amount. The amount may be subject to change based on the qualifications of a buyer. | 04-29-2010 |
20100106638 | APPARATUS AND METHODS FOR VERIFYING A CREDIT APPLICANT'S INCOME THAT ENHANCE A CREDIT APPLICANT'S EXPERIENCE - Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information. | 04-29-2010 |
20100076904 | APPARATUS AND METHODS FOR FACTS BASED TRADING - Apparatus and methods for providing a trading recommendation. The apparatus and methods may involve using information about events and reactions to the events. The events and the reactions may be used to identify an expected impact of the event on a market. The expected impact may be used to recommend investment vehicle trades. The methods may include receiving an information item that relates to an event; receiving a sentiment indicator corresponding to the item; assigning to the item a market impact weighting index that is at least partially based on the sentiment indicator; and, based at least partially on the market impact weighting index, selecting the trading recommendation from a database of trading recommendations. | 03-25-2010 |
20100076895 | APPARATUS AND METHODS FOR CUSTOMER INTERACTION MANAGEMENT - Apparatus and methods for selecting an offer for presentation to a customer of a bank are provided. The methods may include optimizing historical customer data; selecting an offer based on the historical customer data; and, based at least in part on recent customer data, determining whether to present the offer to the customer. Optimizing the historical data may involve performing batch processing on the historical data. The recent customer data may be updated in real time. Offers may be generated and selected for presentation to the customer based on the historical data, the recent data and rules. One or more offers that are generated may be removed from consideration based on the recent customer data, which may provide real-time information about the customer and/or the customer's needs. | 03-25-2010 |
20100070405 | WIRELESS NUMBER RISK SCORES FOR USE WITH MOBILE PAYMENTS - 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. | 03-18-2010 |
20100063856 | APPARATUS AND METHODS FOR PROVIDING BUSINESS ACTIVITY MONITORING - Apparatus and methods for providing a business activity monitoring system. The apparatus and methods may involve monitoring a plurality of business activities that take place within a business communication network; formulating a monitoring program for activities that extend from inside the network to a platform outside the network; and, providing a business activity monitoring system that is configured to monitor activities on the business platform that is outside the network. | 03-11-2010 |
20100057613 | APPARATUS AND METHODS FOR CHECK CARD FEE WAIVER - Apparatus and methods for waiving at least a portion of a service fee. The apparatus and methods may involve providing a check card to a customer and determining whether the customer is using the check card sufficiently to warrant waiving the fee or a portion of the fee. In some embodiments, the apparatus and methods may involve enrolling the customer in a check card program. The customer may select alerts regarding check card usage. The check card issuing entity may monitor the usage to reduce the risk of unauthorized use. | 03-04-2010 |
20100057574 | BUDGET ENVELOPE CREDIT CARD - Apparatus and methods for providing a budget envelope credit card are provided. An apparatus according to the invention may include a budget envelope credit card software engine and a rewards software engine that provides a reward scheme for use by the budget envelope credit card engine, the rewards scheme that defines a reward frequency. | 03-04-2010 |
20100049643 | ONLINE BILLPAY MEMO DATA - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. | 02-25-2010 |
20100049642 | ONLINE BILLPAY ATTACHMENTS - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. | 02-25-2010 |
20100042446 | SYSTEMS AND METHODS FOR PROVIDING CORE PROPERTY REVIEW - An apparatus for providing real estate property review and evaluation is provided. The apparatus may include a storage module, an analysis engine in communication with the storage module, and an evaluation output module in communication with the analysis engine. The analysis engine may be configured to receive from the storage module information corresponding to a plurality of real estate properties. The information may further correspond to a predetermined group of data points for each of the properties. The analysis engine may calculate a score for each of the properties based on the information for the data points for each of the properties. The analysis engine may also transmit to the evaluation output module an index value for each of the properties based, at least in part, on the calculated score for each of the properties. | 02-18-2010 |
20100017844 | ASSOCIATING A UNIQUE IDENTIFIER AND A HEIRARCHY CODE WITH A RECORD - A method and system for creating a record and associating a unique identifier and a hierarchy code with the record where the record is created in response to identifying that a transmission violates an institution's policy. The record may also be passed to a reporting module which may generate a report based on the unique identifier and/or a hierarchy code. Additionally, the record may be passed to a remediation agent for handling. The remediation agent may also update the record based on actions taken by the remediation agent or updates identified by the remediation agent. | 01-21-2010 |
20100017310 | CURRENCY ORDERING BY DENOMINATION - Apparatus and methods for calculating a currency shipment amount for a banking center. The currency shipment amount may correspond to currency having a uniform denomination. The apparatus and methods may involve formulating a historical mix fraction for the uniform denomination; calculating a future order period desired starting balance based on the historical mix fraction; and calculating the currency shipment amount based on the future order period desired starting balance and a banking center ending balance. | 01-21-2010 |
20100010846 | SYSTEMS AND METHODS FOR EVALUATING BUSINESS-CRITICAL CRITERIA RELATING TO EXPLORING ENTITY MOBILITY/PRODUCTIVITY OPPORTUNITIES - Systems, methods and computer-readable media for evaluating business-critical criteria relating to exploring entity mobility/productivity opportunities are provided. A method according to the invention may include calculating a hierarchy of a plurality of decision elements regarding the opportunities. The calculating can include forming a matrix of values corresponding to the relative importance of each of the decision elements with respect to one another. The method can also include calculating a weighted composite score for each sub-process specified in each of the plurality of decision elements. The method may include compiling a favorability rating for each sub-process. The favorability rating for each sub-process may be based, at least in part, on the weighted composite score for each sub-process and the matrix of values corresponding to the relative importance of each of the decision elements with respect to one another. Finally, the method may include ranking each favorability rating to form a favorability index. | 01-14-2010 |
20100005515 | SYSTEMS AND METHODS FOR ASSOCIATE TO ASSOCIATE AUTHENTICATION - Systems, methods and consumer-readable media for providing a platform between a requesting associate and an authenticating entity associate are provided. The method may include receiving a request for authentication from the requesting associate and transmitting the request to the authenticating associate. The method may include receiving a request for a single-use verification code from the authenticating associate in response to the request for authentication. The method may also include generating the single-use verification code, or, perhaps retrieving the single-use verification code from storage and transmitting the single-use verification code to the authenticating associate. Once the requesting associate has receiving the code from the authenticating associate, the requesting associate may enter the code. The system may then display the identity of the requesting associate on a workstation associated with the authenticating associate. | 01-07-2010 |
20090327308 | SYSTEMS AND METHODS FOR PROVIDING A CONSUMPTION NETWORK - Systems and methods for providing a consumption network are provided. A method according to the invention may include receiving purchase information on a mobile device and recording the purchasing information. The information may be transmitted to a central database. At the central database, the information may be recorded and transmitted from the central database to a pre-determined group of users. Alternatively, the information may be transmitted to a group of users directly from the mobile phone associated with the purchasing. | 12-31-2009 |
20090327036 | DECISION SUPPORT SYSTEMS USING MULTI-SCALE CUSTOMER AND TRANSACTION CLUSTERING AND VISUALIZATION - Systems, methods and consumer-readable media for using multi-scale customer and transaction clustering and visualization according to the invention have been provided. Systems and methods according to the invention may use program code to obtain customer transaction data and categorize obtained customer transaction data. The systems and methods may also analyze the categorized customer transaction data in order to identify patterns among the data. The systems and methods may also use the identified patterns to isolate a selected number of behavioral factors and group customers into population segments based on the behavioral factors. | 12-31-2009 |
20090319424 | POSTAL MAIL DEPOSIT AGENCY - Apparatus and methods for electronically depositing a check in a bank account. In some embodiments, the apparatus and methods may involve a check identification module configured to analyze content of an electronically imaged postal mail item; and a customer control module configured to receive from a customer an instruction to deposit the check in the bank account. | 12-24-2009 |
20090313146 | PRIVATE SECTOR COIN CONSORTIUM - Apparatus and methods for distributing coins in a coin distribution system. Coins may be distributed among members of a coin consortium. Coins may be shipped from a first coin consortium member to a second coin consortium member based on a requirement to adjust a first coin inventory of the first consortium member and a second coin inventory of the second consortium member, respectively. Neither the first consortium member nor the second consortium member is the U.S. Federal Reserve Branch. Coins may be shipped from the second coin consortium member to the first coin consortium member based on a second requirement to adjust the first and second coin inventories. | 12-17-2009 |
20090299886 | ACTIVITY BASED CREDIT CARD LIMIT ASSIGNMENT - Systems and methods for reducing the exposure of a financial institution to lending risk. The systems and methods may involve determining a basic credit limit for a customer's new credit card account based at least in part on attributes associated with the customer; assigning an adjusted credit limit to the account; and promising to decide whether to replace the adjusted credit limit with a higher credit limit. | 12-03-2009 |
20090254395 | SYSTEMS AND METHODS FOR OPTIMIZING MARKET SELECTION FOR ENTITY OPERATIONS LOCATION - Systems and methods for corporate workplace capacity planning and optimization are provided. A system according to the invention may include a computer. The computer may be configured to receive a plurality of characteristics relating to an entity or a portion of an entity. The computer may be further configured to receive a predetermined selection of buildings. The computer may also be configured to determine a plurality of solution sets. Each of the solution sets may express a subset of space located within the selected buildings for the location of the entity or the portion of the entity. The solution sets may be fixed for a predetermined amount of time into the future. The solutions sets can be based, at least in part, on the plurality of characteristics. The computer may also be configured to select a subset of the plurality of solution sets. Finally, a display device may be configured to display at least a portion of a single solution set. | 10-08-2009 |
20090254389 | SYSTEMS AND METHODS FOR CORPORATE WORKPLACE CAPACITY PLANNING AND OPTIMIZATION - Systems and methods for corporate workplace capacity planning and optimization are provided. A system according to the invention may include a computer. The computer may be configured to receive a plurality of characteristics relating to an entity or a portion of an entity. The computer may be further configured to receive a predetermined selection of buildings. The computer may also be configured to determine a plurality of solution sets. Each of the solution sets may express a subset of space located within the selected buildings for the location of the entity or the portion of the entity. The solution sets may be fixed for a predetermined amount of time into the future. The solutions sets can be based, at least in part, on the plurality of characteristics. The computer may also be configured to select a subset of the plurality of solution sets. Finally, a display device may be configured to display at least a portion of a single solution set. | 10-08-2009 |
20090216662 | SYSTEMS AND METHODS FOR ENHANCING COMPLIANCE WITH THE FEDERAL RESERVE CUSTODIAL INVENTORY (CI) PROCEDURES - Systems, methods and consumer-readable media for enhancing compliance with the Federal Reserve Custodial Inventory procedures are provided. The system may include an inventory management system for retrieving cash balance inventory information and an information management system for receiving Fed Cash information. This information may be retrieved using specific process steps and predetermined timing. The cash balance inventory information may include information about the amount of unverified cash in inventory. The Fed Cash information may include Custodial Inventory information, minimum vault holding requirement information, a Federal Reserve Cap and physical space cap for Custodial Inventory. The system may also display an amount that can be deposited in the Custodial Inventory. The amount may be based at least in part on the cash balance inventory information, the Custodial Inventory information, the minimum vault holding requirement information, the Federal Reserve Cap for Custodial Inventory and a ratio of 10 and/or 20 dollar bills in unverified cash balance to a total unverified cash balance. | 08-27-2009 |
20090208142 | SYSTEMS AND METHODS FOR PROVIDING CONTENT AWARE DOCUMENT ANALYSIS AND MODIFICATION - Systems, methods and consumer-readable media for providing content-aware document analysis and modification are provided. A system for analyzing document content according to the invention may include a rules server that stores a set of expressions. Such expressions may define predetermined confidential information and/or patterns of confidential expressions. The system may further include a communication plugin that provides a platform for incorporating the set of confidential expression patterns as part of a document-producing application. Following incorporation of the communication plugin, an inline document monitor module according to the invention may form part of the document-producing application. The inline document monitor may monitor for the occurrence of at least one of the set of confidential expression patterns in a document. | 08-20-2009 |
20080301460 | REMOTE PROVISION OF CONSISTENT ONE-TIME PASSWORD FUNCTIONALITY FOR DISPARATE ON-LINE RESOURCES - Consistent one-time password (OTP) functionality is provided from a presentation server to secure various on-line resources. A seed file can be provided to or created by a service provider for execution as part of a hosted page displayed at a client to a user. A presentation server receives a call from the seed file. A user interface widget can be initialized at the presentation server in response to the call from the seed file. The widget can be displayed as part of the remotely hosted Web page so that the user perceives the UI widget to be embedded in the page as viewed on the client computer system. Security for the interaction between the servers can be provided through use of security assertion markup language (SAML). | 12-04-2008 |
20080288415 | Equity Protection - Systems and methods are illustrated for providing an equity protection product to a borrower of a loan. Aspects of the equity protection product may be implemented using an equity protection agreement. The equity protection product may be used to safeguard a borrower's investment in the event of a housing market downturn. In some examples, once the equity protection is purchased, the borrower's equity can only increase or remain stable (i.e., flat) regardless of market conditions. The payoff amount of the borrower's loan may be reduced to compensate for a change in the market value of the borrower's home. The equity protection product may be provided by a lending institution, bank, or any other comparable entity/person. A trading desk may also be used to hedge against the risk created by the equity protection product. In addition, an appraiser may also be used to evaluate and provide current market values of the relevant property. | 11-20-2008 |