Wachovia Corporation Patent applications |
Patent application number | Title | Published |
20100161478 | Computer payment banking system and method - A computer payment banking system comprising a bank or financial institution, a sourced bank account, a sourced bank account holder, and a merchant. The bank or financial institution uses monetary funds from the sourced bank account to pay the merchant. The system is directed to processing of an online web-based purchase associated with the sourced bank account or holder. The system is directed to processing purchases made using a credit or debit instrument associated with the sourced bank account. A source of monetary funds for the sourced bank account includes, but is not limited to, a checking account, credit or debit instrument, online banking account, bank or non-bank line of credit, loan, financial account, and a combination thereof. Online access to rewards, financial reports, budget tools, or spending information of the sourced bank account holder may be provided by the bank or financial institution to the sourced bank account holder. | 06-24-2010 |
20100161467 | Personalized lifetime financial planning tool - A networked computer system comprising a user, a website of a bank or a financial institution, and a computer software tool. The computer software tool is accessible on the website of the bank or the financial institution and provides personalized lifetime financial planning to the user based upon financial information of the user along with a life event and a life stage of the user in an interactive computer generated timeline. The timeline comprises a past event, a present event, a future event, or a combination thereof of the user. The tool provides an automated reminder to the user based upon information of the user present in the timeline. The user may be a customer of the bank or the financial institution. | 06-24-2010 |
20100161360 | STRATEGIC PLANNING MANAGEMENT - An information technology (IT) strategic management system (and corresponding methodology) that enhances efficiency and effectiveness of IT planning processes and projects is provided. In particular aspects, the systems commence with a review of current IT state and strategy influencers. The state is analyzed to establish (or alternatively, to update) a strategy summary. The strategy summary can be presented for leadership approval and subsequently communicated to stakeholders for deployment. | 06-24-2010 |
20100153247 | BALANCE EXCEPTION MANAGEMENT - Systems (and methodologies) that put consumers in control of NSF/OD (Not Sufficient Funds/Overdraft) fee management are provided. In accordance with the innovation, fees are solely dependent on time to cure a negative balance. In aspects, customers are charged a “per day” or “per diem” rate for NSF and/or OD conditions. By charging a per diem rate, customers are incentivized to cure a negative balance as the fee amount increases as time elapses throughout the balance exception cycle. Additionally, customers can be notified of balance exception situations. The notifications can sent based upon policies, preferences, rules or inferences. | 06-17-2010 |
20100114768 | Payment vehicle with on and off function - A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle. | 05-06-2010 |
20100114748 | Predictive advisor system and method for communicating with a user regarding a payment account in a computer network - A networked computer system for communicating with a user about spending associated with a payment account of the user. The system comprises a user, a payment account of the user, a web interface for communicating with the user, and a predictive advisor system. The predictive advisor system comprises a predictive advisor engine for monitoring spending activity related to the payment account and for providing financial and savings advice to the user via the web interface. | 05-06-2010 |
20100106693 | IMAGE APPLIANCE SYSTEM AND METHOD - Systems (and corresponding methodologies) that provide an image appliance which alleviates enterprises from custom designing each appliance for specific business processing purposes are disclosed. Enterprises and organizations can easily capture, consolidate, organize and process image files and electronic documents/content from a variety of input sources such as facsimile, electronic mail, multi-function printer devices (MFDs), desktop files, etc. without a need to custom code specific appliances. | 04-29-2010 |
20100106550 | ACTIVITY POST AND SEARCH SYSTEM AND METHOD - An activity assignment system is provided which establishes a ‘win-win’ environment benefiting both an employer as well as an employee. Generally, the innovation promotes professional development by providing mechanisms to promote volunteer opportunities within business units of an organization. By enabling employees to bid on intra- and inter-unit opportunities, these mechanisms promote cross-training and personal development. | 04-29-2010 |
20100076882 | RATE EXCEPTION MANAGEMENT TOOL - The innovation relates to a system and/or methodology for the convenient and consistent determination of rate exceptions for banking products. The system provides for a rate exception component that determines one or more proposed exception rates based on a customer's score, and information regarding the competitive banking environment for similar banking products. The customer scores and competitive banking environment data are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur. | 03-25-2010 |
20100076873 | FEE REFUND MANAGEMENT - The innovation relates to a system and/or methodology for the convenient and consistent determination of fee refunds for financial products. The system provides for a fee refund component that determines a proposed fee refund based on a customer's score, and information regarding the financial institution's fee refund policies. The customer scores and fee refund policies are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur. | 03-25-2010 |
20100076791 | LIFETIME FINANCIAL PRODUCT - A system and method that offers a simple product solution for managing financial risks in retirement is provided. The product solution combines a uniquely structured deposit product (e.g., certificate of deposit (CD)) together with an insurance policy (e.g., group longevity insurance policy) to guarantee a lifetime stream of income to a customer. | 03-25-2010 |
20100070412 | CARD-LESS FINANCIAL TRANSACTION - Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers can set up an ‘electronic wallet’ account based upon a pre-set range or otherwise. Accordingly, access to the ‘electronic wallet’ is granted or denied based upon responses to challenges presented. | 03-18-2010 |
20090326999 | INNOVATION DEVELOPMENT TRACKING AND MANAGEMENT - Systems (and corresponding methodologies) for monitoring and tracking the evolution of innovations within organizations, such as corporations, are provided. The innovation employs an image rendering to graphically convey development status. Overall, the innovation discloses a formalized mechanism by which innovations can be progressed from conception to product (or process) development and deployment. Thus, the innovation structures the evolution process of ideas throughout the development from conception to application. | 12-31-2009 |
20090326998 | TRANSACTION RISK MANAGEMENT - The innovation assists risk management staff within a financial institution to effectively and efficiently, establish, monitor and act upon transaction risks that may occur related to treasury services. The process can include establishing a unique customer information, their account relationships with the bank, assigning transactional exposure limits, monitoring those limits, notifying appropriate (or desired) personnel when limits are breached, and notifying customers as appropriate. Additionally, approval matrices are employed to evaluate risk associated with transaction services. | 12-31-2009 |
20090313156 | Adaptive daily spending limits - A computer-implemented system and method are provided for adapting the spending limit of a debit instrument in a networked computer system, particularly a daily spending limit. The method comprises determining or receiving notification of whether an electronic request to approve a debit instrument transaction was declined for exceeding a withdrawl limit or a spending limit, determining transactional risk associated with the debit instrument transaction using computer-implemented criteria, and adapting the spending limit of the debit instrument after the determination of transactional risk. Computer-implemented criteria are used to assess the transactional risk associated with a particular debit instrument transaction. | 12-17-2009 |
20090288061 | EMERGING TRENDS LIFECYCLE MANAGEMENT - A process (and corresponding system) that defines sequential steps for the introduction, validation, and testing of business applications of emerging technologies, for example mobile banking services, is provided. The innovation provides a definable model and process for rapid innovation with a quality emphasis through efficient pipeline management and performance measurements. For example, the innovation can adhere to an enterprise's e-commerce requirements for a formalized and measurable structure to efficiently and diligently manage new ideas that have the potential to become new products and services that positively impact business. | 11-19-2009 |
20090204462 | TRADE SERVICES MANAGEMENT SYSTEM - A system (and corresponding methodology) that supports trade services back office processing to enhance efficiency and productivity is provided. The system employs a unique consolidated screen layout that significantly improves the productivity of the users. Essentially, the system and page layout is composed of the following components: Queue Well, Activity Center, Message Center, Viewing Center and Action Tab. These components facilitate organization of panels that creates an intuitive user interface experience. The system employs a navigational hierarchy of Queue Well to Activity Center and then to the Message and Viewing Centers as appropriate. | 08-13-2009 |
20090199094 | System and method for rewards integration in a computer system - A system and method of integrating financial information and rewards data in a computer system of a financial institution such as an online banking computer system. The method generally comprises providing to a customer of a financial institution access to a computer system comprising financial information and rewards data, and presenting the financial information and rewards data to the customer of the financial institution in a presentation layer viewable by the customer. | 08-06-2009 |
20090198572 | System and method for rewards optimization in a computer system - A method of optimizing rewards earned by a customer of a financial institution comprises presenting data in an online banking computer system of rewards earned by a customer of a financial institution, and presenting data in the online banking computer system of rewards the customer of the financial institution could have earned. Methods for determining the rewards that the customer of the financial institution could have earned are described herein. | 08-06-2009 |
20090158406 | PASSWORD RESET SYSTEM - A customer initiated password reset system resets user passwords on a variety of network entities, such as internal systems, allowing simultaneous reset with a minimum number of user specified passwords that nonetheless satisfy the password specifications of these internal systems. Thereby, the user avoids the tedium of logging into each of these systems, changing their password, logging out, etc., for each system with the likelihood of creating unique passwords for each system that have to be remembered. By further incorporating a score metric based upon how many character sets are touched, a required degree of complexity can be measured and enforced against the password specifications. Advantageously, a table-based approach to enforcing password reset against the multiple password specifications facilitates making and fielding updates. | 06-18-2009 |
20090144546 | APPLICATION CONTROLLED ENCRYPTION OF WEB BROWSER DATA - A browser cache-securing component facilitates online communication of confidential data, such as for financial information, purchasing transactions, or user identification. Caching webpages for subsequent presentation enhances user productivity and efficiency while reducing burdens on network resources. Yet, the security risks of intrusions into cache memory are mitigated by retaining encrypted data in cache memory without prior decryption. A modest overhead in decrypting when and if the webpage is to be presented again gains a security and privacy advantage without taking away functionality. Decrypted versions of confidential data can thereby be relegated to volatile memory. Upon termination of a session, a session key shared by a network server is deleted, preventing subsequent decryption. Executing the browser cache-securing component in a virtual machine environment allows multiple browser types to benefit from the security feature. | 06-04-2009 |
20090141962 | REMOTE DEPOSIT CAPTURE FOR THE GAMING INDUSTRY - A remote deposit capture system for distributed processing of check presentation can sense, or be instructed to differentiate, between deposit document types, including checks, cash withdrawals, and casino markets. Thereby, automated recognition and correction features can be selectively applied to an imaged deposit document. Thereby deposit documents that tend to use identical transaction codes, such as the same routing/transit numbers in magnetic ink character recognition (MICR) code line data, can be effectively processed without a high failure rate due to duplicate detection. Yet the advantages of duplicate detection are still leveraged against other deposit types. Alternatively or in addition, duplicate detection can be selected to not depend upon uniqueness of MICR code line data. | 06-04-2009 |
20090138386 | INTERACTIVE STATEMENT - Systems and methodologies for generating and utilizing an interactive financial statement are provided herein. An interactive statement can initially be generated for a user based on properties relating to a device on which the user will access the statement, such as display size, available memory, and other factors relating to the device. The interactive statement can contain personal and account information relating to the user as well as interactive elements such as targeted advertising based on identified trends of a user or other factors, query functionality, security controls for individual statement features, dynamic information formatting, and other such elements. Upon generation of the interactive statement, the interactive statement can be delivered to the user. | 05-28-2009 |
20090132415 | MOBILE DEVICE CREDIT ACCOUNT - Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business. | 05-21-2009 |
20090132392 | MOBILE ELECTRONIC WALLET - Association of personal, financial, and/or business-related identification information with a mobile communication device (MCD) is provided for herein. For example, an MCD can be associated with a financial account and can further include an identification component that verifies an identity of a user of the MCD. Identity can be verified by biometric analysis (e.g., finger/thumb print scan), username and password, optical feature scan, or a combination thereof or of like mechanisms, for instance. Accordingly, the claimed subject matter provides a mechanism to verify identification of a user of an MCD and incorporate user ID into remote data exchange, including remote financial transactions, with one or more networked devices. | 05-21-2009 |
20090099947 | System and method for electronic funds payment - A system and method for electronic payment in a computer payment network. The system comprises a choice engine communicatively connected to a computer payment network for electronically providing a purchaser with an option to select a funding source for a purchase. The funding source is selected pre-purchase, during purchase, post-purchase, or a combination thereof. The founding source is a liquid funding account or a credit vehicle. The purchaser may use a universal payment device to make the purchase. | 04-16-2009 |
20090083171 | FIXED PICK-A-PAYMENT - A multiple option loan presentation apparatus and method allows a loan agent to communicate a non-traditional loan product to a customer. Non-traditional mortgage products such as pick-a-payment loans allow a borrower to exchange lower payments during an initial period for higher payments layer in an amortization period. Some borrowers do not want to accepting the risk associated with adjustable rate mortgages (ARMs) for increases in interest rates, but are still desirous of options for reduced monthly payments. Combining fixed rate loans with an option for interest-only or minimum payments allows this flexibility, but places a premium on being able to graphically depict the implications of these choices. Thereby, the borrower can make an informed decision and the loan agent is able to more quickly conclude the transaction. In particular, the minimum payments constraints and changes in amounts can be made more intuitive. | 03-26-2009 |
20090083170 | PRODUCT AND SERVICE MANIPULATION FOR OPPORTUNITY PURSUIT - When pursing a financial opportunity, certain products and/or services can be used in helping different parties to achieve a related benefit. Since a number of different products and/or services can be available, selection is made to improve a likelihood of success with the financial opportunity. Once there has been an appropriate selection, the products and/or services can be configured to increate a likelihood of success. | 03-26-2009 |
20090083169 | FINANCIAL OPPORTUNITY INFORMATION OBTAINMENT AND EVALUATION - Often times, smaller financial opportunities are not pursued due to their size. Information concerning financial opportunities is collected automatically and analyzed to determine opportunities that should be pursued. In addition, entities that relate to financial opportunities can make requests to be pursued by a particular body. A decision is made if an analyzing body should pursue the financial opportunity or if it should be referred to another body. | 03-26-2009 |
20090083113 | ECONOMIC OPPORTUNITY PURSUIT MANAGEMENT AND PRESENTATION GENERATION - A common manner for disclosing information is through a presentation. A presentation is generated automatically to pursue a financial opportunity, such as to disclose to a potential client rationale to purchase a product. In addition, auxiliary tasks that relate to the presentation can be handled automatically, such as sending notices and assigning individuals to disclose the presentation. | 03-26-2009 |
20090070263 | PEER TO PEER FUND TRANSFER - Systems and methods that facilitate using a first mobile device to initiate a funds transfer to a second device. One mobile to consumer payment embodiment allows a person enter into a store and pay for that person's purchases using that person's cell phone. Other mobile consumer payment embodiments include strictly consumer-to-consumer transactions, for example, but not limited to, the idea that a person can go to a garage sale and purchase from the garage sale seller by using a cell phone. Put broadly one peer-to-peer payment embodiment includes the ability for somebody to be able to send a payment to another person whenever and wherever. | 03-12-2009 |
20090063332 | FLEXIBLE AUTOMATIC SAVINGS PROGRAMS - Flexible automatic savings programs and/or processes are provided in which a consumer is presented with multiple options for automatic savings to be applied to transactions, such that savings amounts are transferred from a first account to a second account automatically for qualified accounts and transactions. A financial institution can assist the consumer select one of the options to apply to automatic transfers. Transfer policy can thus be customized for a consumer according to their savings needs and goals. Participation is limited to common, or overlapping, ownership status with respect to both source and target accounts, though other ownership entities can also be present. The way that savings amounts are determined for automatic transfers can also be dynamically customized to savings characteristics or goals of the consumer as those characteristics or goals change. | 03-05-2009 |
20090037307 | ONLINE ORIGINATION MACHINE - A system that facilitates an identification of potential investment banking opportunities and matches those identified potential banking investment opportunities to investment banking products is disclosed. More opportunities are acted on and more deals are closed than without the subject innovation. Additionally, a user interface facilitates product match and product configuration. After a product is configured and matched to an opportunity, a presentation is generated to ‘pitch’ to a customer. | 02-05-2009 |
20090025090 | DIGITAL SAFETY DEPOSIT BOX - A system that enables secure data storage into a third party managed electronic storage vault is disclosed. This electronic storage vault provides customers with a secure location to store important data such as insurance policies, automobile titles, deeds, wills, birth certificates, tax documents or the like. An interface can be provided which secures (e.g., encrypts, digitally signs) data related to transmission, storage and retrieval. A management component can be employed to regulate (e.g., authenticate) deposit or access of documents to/from the storage vault. | 01-22-2009 |
20090024675 | ONLINE TOOL FOR REGISTERING MEDIA - A system and methodology that facilitates online registration of portable electronic media containing sensitive information is provided. The system tracks, collects and logs information associated with the media shipments and generates detailed reports. Furthermore, the system analyzes the information collected and reported to measure accountability and to calculate risk. The system provides consolidated, comprehensive information about media containing sensitive data shipped outside an organization. Additionally, the system facilitates risk management while tracking and reporting compliance around most any media activity. | 01-22-2009 |
20090006170 | PRODUCTION CENTER SYSTEM - Systems and methods of centralized product production, comprising a job initiation component that receives a job request from a user; a resource management component that delegates tasks to one or more modules to produce a product to meet the job request. The modules can comprise an automated computing system or a practice group, and can report back to the resource management component. An assembly component can receive information, documents, and objects from the resource management component and assemble the items to form a product. An interface component allows a user to view progress of the product, and to receive status updates. | 01-01-2009 |
20080313076 | DOWNSTREAM CORRESPONDENT FOREIGN EXCHANGE (FX) BANKING - Systems and methods that enable real-time (or almost real-time) foreign exchange (FX) pricing via retail branch networks, wire room operations and cash management platforms are provided. Essentially, the systems and methods decouple the FX-infrastructure and enable downstream banks to effectively and efficiently access FX transaction services and infrastructure without the need to locally manage such an FX platform. In doing so, an FX generation component is employed in connection with standard downstream mechanisms to provide necessary information to a partner FX processing component. The partner FX processing component conveys information to the downstream environment while shielding the downstream entity from risks and costs involved in FX operations. | 12-18-2008 |