| BANK OF AMERICA CORPORATION Patent applications |
| Patent application number | Title | Published |
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| 20120123994 | ANALYZING DATA QUALITY - Methods, computer readable media, and apparatuses for analyzing data quality are presented. Transaction information may be received from a database, and the transaction information may describe various aspects of a plurality of transactions handled by an organization. Subsequently, a forecast may be calculated based on the transaction information, and the forecast may predict the future value of a metric. An upper control limit and a lower control limit for the metric may be determined based on the transaction information. Thereafter, the latest actual value of the metric may be computed. A normalized quality score for the metric then may be calculated based on the latest actual value of the metric, the forecast, the upper control limit, and the lower control limit. Optionally, a chart may be generated to evaluate data quality for a plurality of metrics, and metrics that exceed a control limit may be added to an issue log. | 05-17-2012 |
| 20120116973 | Online payment system and method - System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. | 05-10-2012 |
| 20120116971 | PROCESSING LOAN TRANSACTIONS - A method includes receiving, at a client access module, a request from a client to process a loan transaction, wherein the request is associated with a particular loan system. The method also includes determining, by a processor, the particular loan system associated with the request, determining one or more rules associated with the request and a selected one of the client access module and the particular loan system, and applying, by the processor, the one or more determined rules to the request using the account information. | 05-10-2012 |
| 20120116967 | Mobile payment system and method - System, method, and computer program product are provided for a user to send and receive P2P payments using a mobile device. Through the use of the mobile device, a user may access his/her accounts at a financial institution and direct payments to a third-party using an alias. The user may ensure a secure payment to a third-party through the network associated with a financial institution. Payments may be directed to individuals the user may input into the system by providing the individual's alias. An alias may be a unique identifier of an individual and tied to a financial account of that individual. The sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. This invention allows a user to receive and provide payments for transactions utilizing the convenience of a mobile device. | 05-10-2012 |
| 20120116963 | Invoicing and electronic billing system and method - Systems, methods, and computer program products are provided for invoicing and electronic billing. Methods include receiving invoicing data from a merchant, identifying a user based on the invoice data, receiving payment instructions from the user, where the payment instructions include an alias, and determining that the merchant is a registered payment recipient based on the alias. In specific embodiments, the invoice data is converted into an electronic bill, and the electronic bill is sent to the user. | 05-10-2012 |
| 20120116957 | SYSTEM AND METHOD FOR POPULATING A LIST OF TRANSACTION PARTICIPANTS - Embodiments of the invention provide a method of populating a list of transaction participants with the aliases of individuals and entities that can participate in P2P transactions. In some embodiments, the list of transaction participants is a list of payment recipients to whom the user can make P2P payments and the list is populated with a third party's alias. In other embodiments, the list of transaction participants in a list of recipients to whom a third party can make P2P payments and the list is populated with the user's alias. In some embodiments, a method is provided that includes: (1) receiving information associated with a party to a financial transaction with a user; (2) determining, at least partially on the information associated with the party, that the party can participate in a P2P transaction with the user; and (3) populating a list of P2P transaction participants with an alias identifier. | 05-10-2012 |
| 20120116949 | PROCESSING LOAN TRANSACTIONS - A method includes receiving, from a client, a request for service associated with a loan transaction and determining, by a processor, whether the client is authorized to complete the request. If the client is authorized to complete the request, the request is processed. If the client is not authorized to complete the request, the request is communicated to an administrator, wherein the administrator validates the determined authorization of the request. | 05-10-2012 |
| 20120116940 | PROCESSING LOAN TRANSACTIONS - In an exemplary embodiment, a method includes receiving first financial information associated with a first loan system, wherein the first financial information is in a first format associated with the first loan system and converting, by a processor, the first financial information to a common format. The method also includes receiving second financial information associated with a second loan system, wherein the second financial information is in a second format associated with the first loan system; converting, by a processor, the second financial information to the common format; and communicating the first financial information and the second financial information to a user. | 05-10-2012 |
| 20120116936 | INTEGRATED FACILITY MANAGMENT SYSTEM - A facility management system includes a work order system configured for receiving a request for service, retrieving, from a contract database, one or more pieces of key data extracted from a contract in response to the request, preparing a work order ordering corrective work based on the request and the retrieved pieces of key data, and outputting the work order to a vendor for completion of the corrective work. The system includes a billing system configured for receiving terms extracted from an invoice submitted by the vendor for performing the corrective work, the terms comprising an invoice price for performing the corrective work and determining whether to approve payment of the invoice. Determining includes comparing the invoice price for performing the corrective work to the contract price for performing the type of service and approving payment of the invoice when the invoice price matches the contract price. | 05-10-2012 |
| 20120116932 | EVALUATING REQUESTS USING HISTORICAL BENCHMARKING - A system for evaluating an invoice for work includes a processing device configured for determining one or more billing data parameters comprising a threshold payment amount based on information associated with the invoice or the work, retrieving from a historical billing database, historical billing data corresponding to the one or more determined billing data parameters, comparing the retrieved historical billing data including the threshold payment amount with at least a portion of the information extracted from the invoice including billing information extracted from the invoice, and determining whether to approve the invoice based on the comparison, wherein determining whether to approve the invoice is dependent upon the comparison of the threshold payment amount with the requested payment amount corresponding to billing information extracted from the invoice. | 05-10-2012 |
| 20120116895 | Customizable Marketing Campaign Framework - A system and method of creating and generating marketing campaigns is provided. The system and method may include generating a plurality of customizable marketing campaign components. One or more marketing campaign components may be selected, such as by a user, for insertion into the marketing campaign and, in some examples, the marketing campaign components may be predefined or preconfigured and/or may be customizable by a user. Upon selection of the desired marketing campaign component(s), the marketing campaign system may generate the marketing campaign based on the selected components for use, for instance, as a web-based advertisement or marketing promotion. | 05-10-2012 |
| 20120116826 | EVALUATING CAPITAL FOR REPLACEMENT - A method for evaluating an asset for replacement includes retrieving one or more pieces of information corresponding to the asset, each piece of information corresponding to one or more factors, wherein each factor has an associated factor weight, determining, by a processing device, an associated factor score for each factor based at least in part on the pieces of information corresponding to the factor, the factor score for each factor also based at least in part on the associated factor weight, and determining a replacement eligibility score based upon the factor scores associated with two or more of the factors. In some embodiments, the method includes comparing a plurality of replacement eligibility scores corresponding to a plurality of assets and initiating creation of a schedule for the plurality of assets based on the comparison. | 05-10-2012 |
| 20120116788 | EVALUATING CONTRACT QUALITY - A system evaluates contract quality and includes a processing device configured for retrieving from a contract database, data extracted from a contract, evaluating a number of vendors competitively bidding on the contract, based at least in part on the extracted data, thereby resulting in a cost score, evaluating a time prior to contract termination at which competitive bidding takes place, based at least in part on the extracted data, thereby resulting in a time score, and evaluating a quality of the contract based on individual evaluation of a plurality of critical fields, based at least in part on the extracted data, thereby resulting in a quality score. The processing device is further configured for determining a contract evaluation score based at least in part on the cost score, the time score, and the quality score. | 05-10-2012 |
| 20120110142 | CONFIGURATION MANAGEMENT UTILITY - Embodiments of the present invention provide apparatuses and methods for managing the configuration settings of one or more servers within a business. The configuration management apparatuses and methods generally relate to creating a configuration schema; creating configuration items to assign to the configuration schema; assigning the configuration schema to one or more servers in the business; capturing a snapshot of the configuration settings for a server based on the configuration schema and assigning it to the configuration schema as the reference snapshot; capturing a current snapshot of the actual configuration settings for one or more servers; and comparing the reference snapshot with the current snapshot to determine the differences in the configuration settings. Embodiments of the present invention also allow a report to be generated that displays the differences between the reference snapshot and the current snapshot, such as the new settings, changed settings, and missing settings. | 05-03-2012 |
| 20120109847 | Lease Evaluation and Planning - According to one embodiment of the present invention, a method receives a request to facilitate an evaluation of lease data. The method determines one or more categories of lease data according to the request and retrieves the lease data associated with the determined categories. The method determines one or more rules to apply to the lease data, applies the rules, and communicates a report indicating results of applying the rules to the lease data. | 05-03-2012 |
| 20120109832 | Rate Evaluation and Planning - According to one embodiment of the present invention, a method receives a request for charge information associated with a selected leased space of a plurality of leased spaces. The method accesses lease data and determines an area measurement and a rate associated with the selected leased space. The method calculates a charge amount based on the area measurement and the rate and determines charge information associated with the charge amount. | 05-03-2012 |
| 20120109803 | System and Method for Verbal Authorization for Fulfillment of a Service - In some embodiments, a verbal authorization system comprises a financial services repository operable to store information identifying one or more financial services provided by a financial enterprise. The financial enterprise provides a financial service of the one or more financial services in response to a written authorization from a client. An eligibility engine is operable to determine whether the client is eligible to apply for verbal authorization status such that the client may provide verbal authorization during a telephone call to a fulfillment representative of the financial enterprise in lieu of the written authorization. A verbal authorization repository is operable to store client authorization information. The client authorization information identifies the client and whether the client has achieved the verbal authorization status. | 05-03-2012 |
| 20120109802 | VERIFYING IDENTITY THROUGH USE OF AN INTEGRATED RISK ASSESSMENT AND MANAGEMENT SYSTEM - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for identity verification based, at least in part, on comparing transaction data received from multiple financial institutions to data associated with a current financial transactions, such as type of transaction, transaction amount or the like. The transaction data provides for basing identity verification on how a customer, a counterparty or both previously transacted, in that transaction patterns can be identified to understanding who the transacting customer or counterparty is. In additional embodiments the identity verification may be based, at least in part on other data, such as financial institution relationship data, non-financial institution transaction and/or relationship data, customer/counterparty data or the like. | 05-03-2012 |
| 20120109701 | Fulfillment Workflow Optimization - A system and method for an optimization of fulfillment workflow is disclosed. In accordance with one embodiment of the present disclosure. In accordance with embodiments of the present disclosure, a method may include receiving a request to be fulfilled from a client. The method may also include determining one or more item attributes associated with the request. The method may additionally include generating a batch of work units related to the request based at least in part on the one or more item attributes. The method may further include selecting an agent from a plurality of agents to process the batch. Moreover, the method may include transmitting the batch to the agent. | 05-03-2012 |
| 20120101940 | END-TO-END MONITORING OF A RETAIL PAYMENTS PROCESS - The Embodiments of the invention comprise computer program products, systems, and methods for monitoring a retail payments process where a financial institution receives check payments for various types of transactions, such as but not limited to credit card payments, mortgage payments, student loan payments, car payments, etc. The image capture machines capture images of the checks and the associated check data. The check images are grouped into batches based on the client (i.e. the paying bank, third-party processing entity) that the checks are sent to in order to receive payments from the paying bank. The grouped batches are electronically sent to the proper client for processing. The individual checks in the batch are posted and settled to the customer's account. The process is monitored based on client processing limits to track, identify, and fix any batch exceptions that occur during processing. | 04-26-2012 |
| 20120095913 | Overdraft Payment Balance Exception Processing - A system for managing and processing exceptions to shared global treasury limits across multiple different platforms can be utilized by an organization to eliminate inconsistent client experiences and increase overall operating efficiency. A management and processing system can decision transactions of clients (e.g., customers, users, members, account-holders, clients, etc.) through a combination of straight-through and manual processes that are utilized according to select qualifying criteria. The system provides for auto-decisioning of low-risk, low-amount transactions while enabling authorized users to manually decision and otherwise manage transactions through various workflow-driven graphical user interfaces (GUIs). The GUIs can be configured to allow transaction approvers to standardize workflow for manual processing and approval of transactions that cannot be entirely decisioned by, or are exempt from, automated straight-through processing and can further be configured to provide users with numerous viewing, reporting, routing, tracking and decision override capabilities. | 04-19-2012 |
| 20120095885 | Global Treasury Monitoring System - A global treasury monitoring system can provide a single centralized system of record for maintaining and updating global treasury limits to enable an organization to consistently allocate, apply and manage such limits across multiple types of platforms. Through a single system of record for the management of global treasury limits, an organization may comprehensively assess its risk exposure at any given time and make adjustments to limits on a real-time basis in response to rapidly-changing market conditions. The global treasury monitoring system can provide an organization with the ability to access, evaluate and reconfigure recorded treasury limits in real-time through various graphical user-interfaces (GUIs) accessible to users at various global locations. As treasury limits are utilized the system may update the availability of such limits so that an organization's risk exposure may be constantly monitored and assessed. The system also provides an organization with additional flexibility in programming a client's treasury limits to match the client's various liquidity needs around the globe while also managing the amount of the risk that the organization is willing to take on to attain appropriate returns. | 04-19-2012 |
| 20120089431 | Decisioning Framework - A system and method of determining a recommended location for performing a work function is provided. In some examples, the system and method may include receiving a plurality of process criteria, such as hours of operation associated with the work function, type of work performed, skill set desired, language skills desired, etc. The system and method may further include receiving a plurality of provider attributes, such as languages spoken, knowledge base/skill set, flexibility of staffing, etc. One or more recommended locations for performing the work function may be determined based on the business and provider attributes. | 04-12-2012 |
| 20120084198 | Method and System for ACH Debit Delayed Availability - A server includes a memory that stores a plurality of availability schedules, and a processor communicatively coupled to the memory. The processor is operable to access an automated clearing house (ACH) debit transaction received at an originating depository financial institution (ODFI) from an originator, determine an availability schedule associated with the originator from the plurality of availability schedules, credit a percentage of the amount of funds of the ACH debit transaction to a delayed settlement account associated with the originator, and transfer a portion of the amount of funds credited to the delayed settlement account to a general operating account of the originator on a particular day determined from the availability schedule. The delayed settlement account has one or more associated rules that prevent the originator from withdrawing funds from the delayed settlement account. | 04-05-2012 |
| 20120084197 | Managing Credit Risk - Aspects of this disclosure relate to a computer assisted method for managing credit risk which includes electronically receiving data regarding one or more credit quality standards, electronically receiving data regarding one or more policy limits or exception rate limits and electronically receiving data regarding one or more concentration limits. The method may further include using a computer to establish one or more predetermined delinquency guardrails which relate to a maximum desired potential Net Credit Losses (NCL) or a minimum desired potential return (e.g., Risk Adjusted Margin (RAM)) for particular aspects of an organization. The method may further include managing a credit risk by making a series of determinations about the electronically received data, wherein the determinations may include at least one of: determining whether the one or more predetermined delinquency guardrails have been exceeded, determining whether the policy limits or exception rate limits have been exceeded, and determining whether the concentration limits have been exceeded. | 04-05-2012 |
| 20120084192 | System and Method for Coordinated Sales and Implementation of Financial Products - Systems and methods for the coordinated sales and implementation of financial products are disclosed. In accordance with embodiments of the present disclosure, an apparatus may include a network interface and a processor coupled to the network interface. The network interface may be configured to receive a request for a client's purchase of a financial product, the request including client information. The processor may be configured to execute logic to (i) generate implementation documents based at least on the client information, the implementation documents comprising documents to be completed as a prerequisite to issuance of the financial product; (ii) schedule a follow-up meeting relating to purchase of the financial product based at least on the client information; and (iii) contemporaneously electronically display implementation documents to a client and an implementation advisor to facilitate the implementation advisor's assistance to the client in completing the implementation documents. | 04-05-2012 |
| 20120084109 | Decisioning Guidelines And Framework - A system and method of identifying one or more locations eligible to perform a work function based on one or more filtering parameters is provided. The system and method may include receiving a first plurality of locations and filtering the first plurality of locations to identify a second plurality of locations eligible to perform an identified work function based on a first filtering parameter. The second plurality of locations may be further filtered to determine a third plurality of eligible locations, the third plurality of eligible locations being identified based on a second filtering parameter. In some examples, the third plurality of locations may be further filtered to identify a fourth plurality of eligible locations, the fourth plurality of eligible locations being identified based on a third filtering parameter. | 04-05-2012 |
| 20120079598 | TIERED RISK MODEL FOR EVENT CORRELATION - A method for real-time threat monitoring includes identifying two or more real time vulnerabilities, each associated with one or more objects of an enterprise, correlating the two or more real-time vulnerabilities to each other, applying a risk tiering model to the correlated real-time vulnerability, thereby classifying the correlated real-time vulnerability into risk tiers, and initiating an alert based on the correlated real-time vulnerability and the risk tiers into which the correlated real-time vulnerability is classified. According to other embodiments a method includes applying a risk methodology to log data contained in one or more object logs thereby identifying one or more security events, applying a risk tiering model to the one or more security events, thereby classifying the security events into risk tiers, and initiating an alert based on the security events and the risk tiers into which the security events are classified. | 03-29-2012 |
| 20120078967 | Integration of a Framework Application and a Task Database - A financial services enterprise may provide for integrating a framework application and a task database. A flat file is extracted from a framework application, wherein the flat file is associated with a task and the task is associated with a financial services project. The flat file is manipulated to form a relational database data structure associated with the task. The relational database data structure is communicated to a management module, and the management module stores the relational database data structure in the task database to facilitate modeling the financial services project associated with a financial services enterprise. | 03-29-2012 |
| 20120078786 | DEPOSIT TRANSACTION-LEVEL INFORMATION - Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit transaction, where the deposit transaction involves a deposit account, and where the deposit transaction includes a total deposit amount; (b) determining, based at least partially on the information associated with the deposit transaction, that a first amount of the total deposit amount is immediately available; (c) determining, based at least partially on the information associated with the deposit transaction, that a second amount of the total deposit amount is not immediately available, (d) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the first amount is immediately available; and (e) posting second information to the online banking account, where the second information indicates that the second amount is not immediately available. | 03-29-2012 |
| 20120078785 | ESTIMATED BALANCE - Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit account; (b) determining, based at least partially on the information associated with the deposit account, an available balance associated with the deposit account; (c) determining, based at least partially on the information associated with the deposit account, a second amount associated with the deposit account; (d) determining, based at least partially on the available balance and the second amount, an estimated balance associated with the deposit account; and (e) posting the estimated balance to an online banking account, where the online banking account is associated with the deposit account. | 03-29-2012 |
| 20120078784 | AVAILABLE BALANCE ENHANCEMENT - In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction. | 03-29-2012 |
| 20120078781 | Automatic Bill-Pay Setup - A system and method of automatically setting up bill-pay transactions between a customer of a financial institution and a bill-pay client is presented. The system and method may include identifying, by a bill-pay system associated with the financial institution, one or more customers eligible for automatic bill-pay set up and one or more bill-pay clients. Upon acceptance of an offer to the customer to automatically setup bill-pay, bill-pay transaction data may be received at a bill-pay system and may be used to set up one or more bill-pay transactions between the customer and the bill-pay client. | 03-29-2012 |
| 20120078780 | TRANSACTIONAL SAVINGS AND INVESTMENTS - A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data. | 03-29-2012 |
| 20120078764 | Automatic Identification Of Bill-Pay Clients - A system and method of automatically identifying bill-pay clients eligible for an electronic bill-pay transaction with a customer of a financial institution is presented. The system and method may include identifying, by a bill-pay identification system associated with the financial institution, one or more customers eligible for electronic bill-pay and data associated with the one or more customers, such as a location of the customer, demographic information, home address of the customer, and the like. One or more bill-pay clients may be automatically identified based on bill-pay client being within a predefined distance of the location or address of the customer, a bill-pay relationship with another customer of the financial institution within the predefined distance, received demographic information, etc. In some arrangements, automatic setup of bill-pay transactions between the customer and the identified bill-pay client may be offered to the customer. | 03-29-2012 |
| 20120078716 | Consumer-Focused Marketing And Consumer Task Management - An organization may identify target groups of consumers based on credit data meeting one or more pre-defined criteria and offer the identified individuals products and/or services that include favorable rates, benefits and/or incentives related to activities regularly engaged in by the individuals. Credit data may be mined from, for example, a credit bureau to identify individuals with credit scores in various percentiles as compared to all other consumers in a particular market or geographic region. Various types of transaction data associated with these individuals may then be obtained and analyzed to determine activities (e.g., tasks, chores, errands, activities, etc.) repeatedly engaged in by at least some percentage of the identified individuals, which may then be used as bases for offering certain products and/or services that include incentives or benefits more-specifically tailored to potential interests. The organization may also identify and select channels of communication for presenting product and/or service offerings to a target group of individuals based on recognized transaction patterns of the group. | 03-29-2012 |
| 20120072324 | CUSTOMER EXPOSURE VIEW & INCOME STATEMENTS (CEVIS) - According to one embodiment of the present invention, a method comprises receiving a request to aggregate data associated with a customer. The method determines a first identifier associated with the customer that identifies the customer and a second identifier that identifies a household associated with the customer. Data associated with the second identifier is aggregated and communicated in response to the request. | 03-22-2012 |
| 20120072323 | MAINTAINING ONLINE FUNCTIONALITY DURING AN OUTAGE - A system maintains online functionality during an outage. The system includes a processing device configured for receiving a request for online interaction via a network from a client system and identifying a primary interaction system configured to respond to the request. The processing device is also configured for determining the primary interaction system is incapable of providing the online interaction associated with the request, identifying an alternative interaction system configured to respond to the request, and initiating an online interaction between the client system and the alternative interactive system. In some embodiments, the primary interaction system is incapable of providing website content, and the processing device initiates an exchange of alternative website content. In some embodiments, the primary interaction system is incapable of providing online banking information, and the alternative interaction system provides alternative online banking information such as non-current information regarding an account. | 03-22-2012 |
| 20120072262 | Measurement System Assessment Tool - A measurement system assessment tool is disclosed. In particular embodiments, a method includes communicating a plurality of questions associated with a plurality of dimensions of a measurement system. The method further includes receiving a response to each of the plurality of questions, each of the plurality of responses associated with one of a plurality of dimensions of the measurement system. The method further includes determining, for each of the responses, a numerical value associated with the response. The method also includes, for each of the plurality of dimensions, selecting a subset of the plurality questions, each of the questions in the subset associated with the same respective dimension of the measurement system. The method further includes calculating, for each of the plurality of dimensions, an average score, wherein each average score comprises an average of the numerical values associated with the questions in the subset. | 03-22-2012 |
| 20120066763 | Insider Threat Correlation Tool - Systems and methods for calculating threat scores for individuals within an organization or domain are provided. Aspects of the invention relate to computer-implemented methods that form a predictive threat rating for user accounts. In one implementation, a first threat score representing a first time period may be calculated. The first threat score may be compared with aspects of the same user accounts for a second time period. Weighting schemes may be applied to certain activities, controls, and/or user accounts. Further aspects relate to apparatuses configured to execute methods for ranking individual user accounts. Certain embodiments may not block transmissions that violate predefine rules, however, indications of such improper transmission may be considered when constructing a threat rating. Blocked transmissions enforced upon a user account may also be received. Certain activity, such as accessing the internet, may be monitored for the presence of a security threat and/or an ethics threat. | 03-15-2012 |
| 20120066127 | OVERAGE SERVICE SUBJECT TO CONDITION - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: (a) receiving, from a holder of an account, consent to a future overage, where the future overage is a result of a future overage transaction involving the account, and where the consent is valid only if a predetermined condition is met; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction was initiated after the receiving the consent; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the predetermined condition is met and/or that the holder's consent is valid for the transaction; and (e) authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met. | 03-15-2012 |
| 20120066126 | OVERAGE SERVICE VIA TRANSACTION MACHINE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 03-15-2012 |
| 20120066104 | FINANCIAL PRODUCT APPLICATION PULL-THROUGH SYSTEM - A method evaluates a prediction set of financial product applications. The method builds a multi-dimensional observation grid of observation grid points, each corresponding to at least one past financial product application in an observation set and each populated with the one or more variable values and the observation result value associated with the past financial product application. The method includes building a multi-dimensional prediction grid comprising a plurality of prediction grid points, each corresponding to a present financial product application in the prediction set and populated with one or more variable values of the present financial product application, each also corresponding to an observation grid point and assigning a prediction result value for each prediction grid point. In some embodiments, the method defines an observation set and a prediction set comprising a past and a present financial product application, respectively, each application including two or more corresponding variable values. | 03-15-2012 |
| 20120066078 | OVERAGE SERVICE USING OVERAGE PASSCODE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service using an overage passcode. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving an overage passcode associated with the account; and (d) authorizing the transaction based at least partially on the receiving the overage passcode. | 03-15-2012 |
| 20120066077 | OVERAGE SERVICE VIA MOBILE DEVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 03-15-2012 |
| 20120065771 | Automatic Strapping And Bagging Of Funds - A cash recycler or other currency handling device includes modules for automatically strapping a plurality of bills together and bagging the strapped bills for transport. A user may determine a number of bills to be bundled in a stack or unit. Once the predetermined threshold is met, the bills will be automatically transferred to a strapping area where the bills will be strapped together for storage or transport. Additionally or alternatively, the bills may be strapped together as they enter a cartridge, such as an overflow cartridge. The strapped bills may be transferred to a bagging module where the stacks of bills will be automatically bagged, each bag including a predetermined number of stacks of bills. The bags will then be transferred to storage for transport. | 03-15-2012 |
| 20120061464 | OVERAGE SERVICE INVOLVING OVERAGE MAGNETIC STRIPE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service involving an overage magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving overage swipe information indicating that an overage magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the overage swipe information. | 03-15-2012 |
| 20120060211 | Detecting Secure or Encrypted Tunneling in a Computer Network - Aspects of the present disclosure relate to a computer assisted method for detecting encrypted tunneling or proxy avoidance which may include electronically receiving information from a proxy server, extracting information regarding a CONNECT function of Hyper Text Transport Protocol (HTTP) from the electronically received information, determining at least one destination to which the extracted information regarding the CONNECT function of HTTP corresponds and attempting to negotiate a standard HTTPS session with each of the at least one destination. Further, the computer assisted method may further include, for each of the at least one destination, determining whether the destination is hosting an encrypted tunneling or proxy avoidance application, wherein such a determining may be based on characteristics of an Secure Socket Layer (SSL) certificate associated with the destination or a response received from the destination over a TCP/IP connection. | 03-08-2012 |
| 20120047575 | SYSTEMS AND METHODS FOR PERFORMING ACCESS ENTITLEMENT REVIEWS - Embodiments of the invention relate to risk assessments and, more particularly to performing access risk assessments based on identified outliers. | 02-23-2012 |
| 20120047161 | MANAGEMENT OF AN INVENTORY OF WEBSITES - A method includes receiving web page identifiers associated with a website and determining whether the web page identifiers identify redundant web pages of the website. One or more web page identifiers are removed from the web page identifiers that identify redundant web pages to create a group of web page identifiers. A user responsible for at least one of the web pages identified in the group of web page identifiers is determined. A risk level is determined for each of the web pages identified in the group based on a plurality of risk factors, the user is associated with the risk level, and the association between the user and the risk level is stored in a database. | 02-23-2012 |
| 20120046989 | SYSTEMS AND METHODS FOR DETERMINING RISK OUTLIERS AND PERFORMING ASSOCIATED RISK REVIEWS - Embodiments of the invention relate to risk review assessments and, more particularly to determining risk review candidates by identifying two or more community categories, determining risk scores for each user/employee across risk categories, normalizing the risk scores based on community averages and community standard deviations and determining risk review candidates by comparing the normalized risk scores to predetermined thresholds. In additional embodiments, an outlier reinforcement score for each user/employee by summing all of the positive-valued normalized risk scores across the two or more communities and comparing the outlier reinforcement score to a predetermined threshold. | 02-23-2012 |
| 20120046974 | Unemployment Insurance Underwriting System - Embodiments of the invention include systems, methods, and computer-program products that provide for a unique unemployment insurance underwriting system. In one embodiment of the invention, the unemployment insurance underwriting system receives a request to enroll in the unemployment insurance from a user. The system then receives data associated with the user from a financial institution. The system then determines the benefits to be paid to the user based, in some cases, on the data received from the financial institution. The system then determines whether the user qualifies to enroll in the unemployment insurance based on the benefits and the user data. In an embodiment of the invention, the unemployment insurance provides benefits for monthly expenses to users that have become involuntarily unemployed. | 02-23-2012 |
| 20120046973 | Unemployment Insurance Marketing System - Embodiments of the invention include systems, methods, and computer-program products that provide for a unique unemployment insurance marketing system. In one embodiment of the invention, the unemployment insurance marketing system determines selection criteria for the unemployment insurance product. The system then receives data associated with a user, the data received from a financial institution. The system compares the selection criteria with the user data to determine whether the user qualifies to receive an offer. If the user qualifies to receive an offer, the system offers the unemployment insurance to the user. In another embodiment of the invention, the offer is customized to the user's expenses. For example, the offer may be customized based on user's expenses in an online bill payment system. | 02-23-2012 |
| 20120046959 | Modeling Customer Behaviors - A computer system determines a model for a solicited offering based on selected variables that characterize a target population. A data set may be generated with a subset of variables from a set of variables. The set of variables may be representative of variables of data of customers associated with an entity, and the subset of variables may include at least 450 variables. A macro for determining a plurality of statistical characteristics about the subset of variables in the data set may be accessed, the plurality of statistical characteristics about the subset of variables in the data set may be determined based upon a number of observances of each respective variable of the subset of variables. A report of the determined plurality of statistical characteristics may be generated and outputted to a user device. | 02-23-2012 |
| 20120037708 | CARD WITH A DETACHABLE WIRELESS ANTENNA-BASED PAYMENT DEVICE - Embodiments of the invention relate to for a card that includes a detachable wireless antenna-based payment device, such as a contactless Radio Frequency Identification (RFID) payment device or the like. The card is configured so as to alleviate or eliminate production problems associated with the adhesive-protecting backing being lifted or otherwise removed during handling of the card by the embossing equipment. In specific embodiments, the detachable wireless communication device is formed vertically along the width of the card, such that the detachment line extends along the width of the card. In such embodiments, by limiting the width of the wireless communication payment device to about one-third of the length of the card, the detachable wireless communication payment device is formed outside of the center region of the card, which is the region handled during the embossing procedure. | 02-16-2012 |
| 20120036454 | SOCIAL MEDIA ENGAGEMENT SYSTEM CONSOLE - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120036207 | SOCIAL MEDIA ENGAGEMENT SYSTEM MESSAGE ROUTING AND QUEUING - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120036206 | SOCIAL MEDIA ENGAGEMENT SYSTEM CASE AND CONTACT ASSOCIATION LOGIC - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120036205 | SOCIAL MEDIA ENGAGEMENT SYSTEM MESSAGE COMMUNICATION - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120036204 | SOCIAL MEDIA ENGAGEMENT SYSTEM INTEGRATION - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120036203 | SOCIAL MEDIA ENGAGEMENT SYSTEM MESSAGE CASE ASSOCIATION - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120036202 | SOCIAL MEDIA ENGAGEMENT SYSTEM INFLUENCE TRACKING - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120036201 | SOCIAL MEDIA ENGAGEMENT SYSTEM ROUTING AND MESSAGE ASSOCIATION - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120036200 | SOCIAL MEDIA ENGAGEMENT SYSTEM - A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system. | 02-09-2012 |
| 20120035977 | Enterprise Consumer Complaints Program - A method and system are provided for identifying, tracking and reporting customer complaints across multiple lines of business of an organization. Each line of business of the organization utilizes a system of record configured to identify an issue received from a customer as a “complaint” based on the same set of criteria and then collect data associated with the complaint. A centralized complaint portal of the organization extracts complaint data from each of the systems of record, processes the data to identify one or more lines of business and/or individuals responsible for or capable of handling the complaints, and routes the complaint data to the identified lines of business and/or individuals for resolution. The complaint portal also analyzes the extracted data to identify trends in the complaints, specific complaint escalations, stages of resolution for complaints, and other similar types of issues related to the complaints, and generates one or more summary reports based on the analyzed data. | 02-09-2012 |
| 20120030757 | LOGIN INITIATED SCANNING OF COMPUTING DEVICES - Embodiments of the invention relate to systems, methods, and computer program products for login initiated remote scanning of computer devices. The present invention detects login to the network via access management systems. The login data provides information that identifies the device so that the device can be checked against a scan database to determine if and when a previous scan occurred. Based on the findings in the scan database determinations are made as to whether to perform a scan. Additionally, the level of scanning can be determined based on previous scan dates and previous scan results, which may dictate customized scanning In addition, the priority of the impending scan may be dictated by previous scan dates and results. Further embodiments provide for assessing risk, such as risk scoring or the like, concurrently or in near-real-time with the completion of the scan so that alerts may be communicated. | 02-02-2012 |
| 20120030756 | User Permissions In Computing Systems - A system and method of verifying accuracy of permission and access levels in a mainframe system are presented. The system and method may include receiving a plurality of records including a user identifier and an associated access level. The access level in the record may be matched (e.g., the access level on the stored record must be less than or equal to the access on the new system to “pass” the test) to the access level in a mainframe system. If the access levels match, the access level may be stored in the mainframe system. If the access levels do not match, the record may be flagged and correction of the inconsistency may be performed. | 02-02-2012 |
| 20120030645 | PREDICTIVE RETIREMENT TOOLSET - A system assesses one or more applications for retirement. The system includes a processing device configured for receiving attribute data corresponding to one or more of a plurality of applications. The processing device is further configured for determining one or more of the plurality of applications to assess for retirement, translating at least some of the received attribute data into two or more translated values based at least in part on one or more predetermined values, and summing two or more of the translated values, thereby resulting in one or more combined values. The processing device is further configured for calculating one or more cumulative values based at least in part on the one or more combined values and converting the one or more cumulative values, thereby resulting in one or more probability values each indicating the probability of retirement of one of the one or more applications. | 02-02-2012 |
| 20120030240 | ENTERPRISE CONTENT MANAGEMENT FEDERATION AND INTEGRATION SYSTEM - An enterprise content management federation and integration system integrates a plurality of applications and federates information seamlessly by receiving, by a composite system, a request from a client system. The system then translates, by a manager system, the request from the client system. The manager system performs one or more high level validations and retrieves information from a mapping stored by an ontology modeling system, a plurality of content types, repositories, actions and object types based at least in part on a plurality of attributes including one or more metadata models or attribute models. The manager system then invokes one or more composites based at least in part on the request from the client system and some or all the information retrieved from the mapping. | 02-02-2012 |
| 20120030158 | TECHNOLOGY EVALUATION AND SELECTION APPLICATION - Embodiments of the invention relate to systems, methods, and computer program products for evaluating and selecting technology. Specifically, present embodiments provide for assessing the relative importance of various capabilities and constraints to determine weighting factors and applying the weighting factors to potential technology solutions rated in terms of the applicability of the capabilities and constraints. The result is a capability fit score and a constraint fit score for each potential technology solution, which can be combined to form an overall technology fit score for each potential technology solution. Thus, present embodiments assess capabilities and constraints of various potential technology solutions and balance the capabilities and constraints to result in a quantitatively measurement of which technology solution is the best fit for the project at hand. | 02-02-2012 |
| 20120030118 | REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS USING A GRID - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) displaying a grid on a display associated with a remote capture device, where the remote capture device is configured to capture an image that shows multiple deposit items, and where the grid comprises a plurality of grid portions; and (b) prompting a user of the remote capture device to arrange the multiple deposit items, or to position or operate the remote capture device, such that each of the deposit items in the multiple deposit items appears in a single grid portion of the display before the image is captured. | 02-02-2012 |
| 20120030117 | REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information. | 02-02-2012 |
| 20120030113 | Generation And Use Of Negotiable Instruments - Systems and methods for generating and using negotiable instrument are described. A request from a user to generate a negotiable instrument financially secured by a financial entity against an account of the user is received, and the user is authenticated to the account of the user with the financial entity. Upon authenticating the user to the account, data representative of the negotiable instrument financially secured by the financial entity against the account of the user is transmitted. The data may include a printable image and barcode for scanning by a second computing device of the financial entity. The transmitted data representative of the negotiable instrument may be received by a computing device. The computing device may output the data representative of the negotiable instrument to a printer for local generation of the negotiable instrument on the printer without the need for special inks and/or other data. | 02-02-2012 |
| 20120030112 | Generation And Use Of Cash Value Debit Cards - Systems and methods for generating and using a cash value debit card are described. A request from a user to add value to a cash value debit card account financially secured by a financial entity against an account of the user may be received. The user may be authenticated to the account of the user with the financial entity. Monetary funds may be debited from the account of the user by an amount to add to the cash value debit card account, and the debited amount may be added to the cash value debit card account. A request to withdraw monetary funds from the cash value debit card account may be received. A determination may be made as to whether to authorize the withdrawal from the cash value debit card account. The withdrawal may be authorized, and the cash value debit card account may be debited accordingly. | 02-02-2012 |
| 20120030109 | DEPENDENT PAYMENT DEVICE - The present invention provides embodiments of a dependent payment device, such as a credit card, for allowing a primary customer to control and monitor the transactions made by a dependent customer who is authorized to use the account of the primary customer. The primary customer can control the maximum limit that the dependent customer can spend on the dependent card up to the maximum amount that the financial institution has approved for the primary customer. The primary customer can also block/approve purchases that the dependent customer can make at store or on products by adding MCCs, store names, store types, UPCs, or other product or store identifiers to a list of blocked/approved transactions. The primary customer can set monetary and time limits on the amount and frequency of the transactions the dependent customer can make at stores or on products that have been blocked/approved. | 02-02-2012 |
| 20120030107 | Generation And Use Of Transaction Records With Imaging - Systems and methods for generating transaction records with imaging are described. Data representative of a transaction of a user may be received and a transaction record for the transaction may be generated. A user request to withdraw an amount of monetary funds from an account associated with the transaction may be received. At least one captured image of the user during the transaction may be associated with the transaction record. Monetary funds from the account in the amount requested by the user may be outputted, and the transaction record may be stored in a database. Upon determining the amount of monetary funds requested for withdrawal exceeds a first threshold, at least one image of the user may be captured, and a copy of the at least one captured image of the user or a link to the at least one captured image may be stored in the transaction record. | 02-02-2012 |
| 20120030105 | ONLINE CHECK REGISTER USING CHECK IMAGING - Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor. | 02-02-2012 |
| 20120030104 | PROCESSING IMAGES ASSOCIATED WITH THE REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) determining that a first portion of the image is satisfactory for identifying deposit item information therein; (c) determining that a second portion of the image is unsatisfactory for identifying deposit item information therein; and (d) performing a function based at least partially on the determining that the second portion of the image is unsatisfactory for identifying deposit item information therein. In some embodiments, the function includes enhancing the second portion of the image. In other embodiments, the function includes prompting a user of the remote capture device to capture a second image to replace the second portion of the image. | 02-02-2012 |
| 20120030099 | MULTIPLE RATE LOAN - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. In some embodiments, the systems and methods of the present invention are used in connection with a HELOC account. | 02-02-2012 |
| 20120030095 | LOAN MANAGEMENT TOOL - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest. | 02-02-2012 |
| 20120030092 | LOAN COLLATERAL EQUITY TRACKER - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: identifying a loan account associated with a loan, indentifying information associated with collateral securing the loan, determining a current equity value associated with the collateral, and generating a notification that additional credit may be added to the loan account. A current equity value associated with the collateral may be determined by calculating the difference between the market value for the collateral and the total amount of debt and credit secured by the collateral. The loan account may be a HELOC account where the collateral is a home. | 02-02-2012 |
| 20120030082 | PREDICTIVE MODELING FOR DEBT PROTECTION/CANCELLATION - A method for predictive modeling is disclosed. Economic data associated with at least one economic trend is received. Claim and cancellation data associated with a financial product of a financial institution is generated, where the claim and cancellation data is based on past data. The economic data is used with the claim and cancellation data to forecast model future claim and cancellation data of a plurality of loans. | 02-02-2012 |
| 20120030081 | PHYSIOLOGICAL RESPONSE OF A CUSTOMER DURING FINANCIAL ACTIVITY - A server behavior modification system assists a customer during a financial activity, such as a transaction, and includes a current financial activity assistance system having a data collection system for collecting current physiological activity data, such as current electrodermal activity data, and a data manipulation system for assessing the likelihood of vulnerability to a predetermined undesired financial behavior, as defined by customer input received by a customer settings definition system. The assessment is based at least in part on the data manipulation system comparing a combined historical behavior pattern with the collected current data. The combined historical behavior pattern comprises a correlation between historical physiological activity data and historical financial activity data. An alerting system instructs a customer behavior modification system to produce an alert based at least in part on an assessment of likely vulnerability to a predetermined undesired financial behavior. | 02-02-2012 |
| 20120030078 | Credit And/Or Debit Card Security - A system and method of providing heightened debit and/or credit card security is presented. The debit and/or credit card may be void of any information printed on the card that may provide identification of the user, an account number associated with the card, an expiration date for the card, etc. In some examples, a portion of this information may be provided, but not all pieces of information, in order to reduce the likelihood of unauthorized use, such as during an on-line transaction where a user must input information generally found on the face of or rear of the card itself. | 02-02-2012 |
| 20120030043 | WEARABLE FINANCIAL INDICATOR - A wearable article, such as but not limited to a watch, wristband, or ring, is configured for indicating financial information to a customer. The wearable article includes a communication device configured for receiving a financial indicator from a server. The financial indicator may be communicated by a financial institution's server in accordance with a financial indicator profile pre-established by the customer. A user output device, such as a display, is configured for communicating user output, such as a colored light, to the customer based at least in part on the financial indicator. The wearable article may be configured to communicate with the server through a mobile terminal, such as a mobile phone, an Internet hot spot, a mobile telephony system, a payment network, a point-of-sale terminal, or the like. The wearable article may be configured to communicate with a point-of-sale terminal so that the wearable article can also be used as a payment device. | 02-02-2012 |
| 20120029956 | COMPREHENSIVE EXPOSURE ANALYSIS SYSTEM AND METHOD - Embodiments of the invention allow an institution to obtain a more comprehensive view of its exposure to one or more entities or groups of entities and, in some cases, to use this information to identify opportunities for and/or risks to the institution. For example, embodiments of the invention involve systems and methods for: (1) selecting an entity; (2) determining exposure to the entity in isolation; (3) determining one or more related entities based on transaction data associated with the selected entity; (4) determining exposure to the one or more related entities; and (5) combining the exposure data for the selected entity and the related entities to obtain comprehensive exposure metrics for the selected entity. Some embodiments of the invention further involve aggregating the comprehensive entity exposure metrics for several entities based on entity characteristics to create other exposure metrics, and then displaying exposure metrics to a user on a display based on user-selected entities or entity characteristics. | 02-02-2012 |
| 20120024947 | WEARABLE ARTICLE HAVING POINT OF SALE PAYMENT FUNCTIONALITY - A wearable article is configured for providing payment information to a point of sale terminal during a transaction. The wearable article, in some embodiments, includes a band configured for wrapping around a body part of the customer and for carrying an electronic device. In some embodiments, the band has an attachment system for removably securing the band to the body part of the customer. The electronic device includes an energy storage element, a memory device, a communication device and a processing device. The processing device is configured for receiving a communication from the point of sale terminal requesting payment information for completion of the transaction. The processing device reads account information from the memory device and communicates payment information to the point of sale terminal. In some embodiments, the wearable article receives power from a field generated by the point of sale terminal. | 02-02-2012 |
| 20120023576 | INSIDER THREAT CORRELATION TOOL - Systems and methods for calculating threat scores for individuals within an organization or domain are provided. Aspects of the invention relate to computer-implemented methods that form a predictive threat rating for user accounts. In one implementation, a threat score representing a first time period may be calculated. The first threat score may be calculated from a quantification of a plurality of activity violations across a plurality of control groups. Weighting schemes may be applied to certain activities, controls, and/or user accounts. Further embodiments may be configured to consider additional indicators. Further aspects relate to apparatuses configured to execute methods for ranking individual user accounts. Certain embodiments may not block transmissions that violate predefine rules, however, indications of such improper transmission may be considered when constructing a threat rating. | 01-26-2012 |
| 20120023324 | INSIDER THREAT CORRELATION TOOL - Systems and methods for calculating threat scores for individuals within an organization or domain are provided. Aspects of the invention relate to computer-implemented methods that form a predictive threat rating for user accounts. In one implementation, a threat score representing a first time period may be calculated. The first threat score may be calculated from a quantification of a plurality of activity violations across a plurality of control groups. Weighting schemes may be applied to certain activities, controls, and/or user accounts. Further embodiments may be configured to consider additional indicators. Further aspects relate to apparatuses configured to execute methods for ranking individual user accounts. Certain embodiments may not block transmissions that violate predefine rules, however, indications of such improper transmission may be considered when constructing a threat rating. | 01-26-2012 |
| 20120023017 | Intelligent ATM Check Image Deposit Engine - Systems and methods for recognizing a check deposit received in a self-service financial transaction device are described. A check is received from a customer associated with an entity for deposit into an account of the entity. Upon determining a that an amount of the check received for deposit cannot be determined from a scanned image of the check, deposit transaction data for the customer is collected and analyzed, including the frequency and timing of the customer's previous check deposits, the amount of the customer's previous check deposits, the payor of such deposits, etc., to predict the amount of the currently received check. | 01-26-2012 |
| 20120022939 | Assessing a Response Model Using Performance Metrics - A computer system determines a response model for a solicited offering based on selected variables that characterize a target population. The response model may be used to identify recipients in the target population to increase the expected probability of the recipients responding. The response model may be formed through an iterative process and is initially formed using a subset of variables from characteristics of the target population. A performance process is then performed to assess the initial response model by rendering, a pool of information for analysis. Based on the results of the analysis, the response model may be modified so that the performance results can be enhanced and updated performance metrics can be further analyzed. When desired results are obtained, the response model is finalized and final performance results are rendered. The response model may then be applied to the target population to identify recipients for the solicited offering. | 01-26-2012 |
| 20120022895 | Annuity Maintenance Messaging Protocol - A method of initiating and processing an annuity transaction request according to a messaging protocol that uses entirely electronic forms of communication is provided. Upon receiving an annuity transaction request at a distributor portal associated with an annuity distribution entity, from an individual associated with the annuity, the distributor portal collects information relevant to the annuity transaction request, such as details about the annuity contract and the particular type of transaction request, and transmits the transaction request to a carrier of the annuity. The receiving, collecting, processing and transmitting is conducted entirely by the distributor portal, which facilities the exchange of electronic communications between the different parties involved. | 01-26-2012 |
| 20120016954 | Network storage device collector - Embodiments of the invention relate to systems, methods, and computer program products for remotely collecting data stored by a user in one or more network storage areas residing on a network. For example, embodiments of the method involve utilizing a mapping tool to identify at least one network storage area associated with the user, utilizing a collection tool to access at least one network storage area via a network, copying the data stored on the at least one network storage area, and transmitting the data from the at least one network storage area to a collection server. | 01-19-2012 |
| 20120016808 | Business Review and Volume Optimizer (BRAVO) - An optimization engine is provided to determine, through price optimization modeling, an optimal combination of price and volume for various products and services of an organization while also considering numerous factors internal and external to the organization. The price optimization modeling provided by the optimization engine may, among other things, be used by the organization to determine the optimal set of pricing recommendations that will provide the organization with the highest total contribution margin (total revenue less total variable cost). The optimization engine may consider various data inputs and analytics that allow an organization to develop a more effective and disciplined price-decisioning process. | 01-19-2012 |
| 20120016755 | Check Processing And Funds Verification - A system and method of verifying sufficient funds in an account associated with a negotiable instrument, such as a check, money order, traveler's check, etc., received for payment is provided. The verification of funds may be provided prior to accepting the check as payment. In some examples, the check may be scanned into a funds verification system at a back office or front end system, such as a check out lane, point of sale system, etc., of a merchant, vendor, service provider, etc. receiving the check for payment. The scanned image of the check may be transmitted to a financial institution associated with the merchant, vendor, service provider, etc. and the financial institution may verify that sufficient funds exist. If sufficient funds exist, the check may be deposited into an account of the vendor, merchant, service provider, etc. at the financial institution. | 01-19-2012 |
| 20120011245 | MONITORING COMMUNICATIONS - Methods, computer readable media, and apparatuses for monitoring communications are presented. A first username may be compared with a second username. The first username may be associated with a sender of a communication, and the second username may be associated with a recipient of the communication. Thereafter, based on the comparing, the probability that the first username and the second username are both associated with a single entity may be determined. In at least one arrangement, in response to determining that the probability exceeds a threshold, it may be determined that the first username and the second username are both associated with the single entity. In at least one additional arrangement, the threshold may be modified automatically based on previously analyzed incident data. | 01-12-2012 |
| 20120010937 | Consolidating and Leveraging Features of a Loyalty Program - Aspects of the present disclosure relate to a computer assisted method for consolidating reward points or monetary rewards associated with one or more financial accounts which may include electronically receiving information regarding a financial transaction in a first financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the first account, and crediting a reward points or monetary rewards account associated with the first account with the amount of reward points or monetary rewards based on the transaction with the first financial account. Further, the method may include electronically receiving information regarding a transaction in a second financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the second financial account and crediting the reward points or monetary rewards account with the amount of reward points or monetary rewards based on the transaction with the second financial account. Further, the first financial account may be a credit card account and the second financial account may an account associated with a debit card. | 01-12-2012 |
| 20120005115 | PROCESS RISK PRIORITIZATION APPLICATION - Embodiments of the invention relate to systems, methods, and computer program products for prioritizing processes in terms of risk. Specifically, present embodiments provide assessment of process applicability to risk factors and an independent assessment of the relative importance of the risk factors. The two independent assessments, conducted by separate corporate entities, such as line-of-business and risk owners, are subsequently used to determine a process risk score that allows for the processes to be prioritized. The independent nature of the assessments provides for a highly objective, fact-based means of prioritizing processes based on risk. | 01-05-2012 |
| 20120005053 | BEHAVIORAL-BASED CUSTOMER SEGMENTATION APPLICATION - Embodiments of the invention relate to systems, methods, and computer program products for comprehensive and holistic behavior-based customer segmentation and customer profiling based on the segmentation. In specific embodiments of the invention, the segmentation includes internal credit behavior segmentation and external credit segmentation. In other embodiments, the segmentation includes internal credit behavior segmentation and external credit segmentation, and spend preference segmentation. In still further embodiments any combination of behavior algorithms may be implemented to segment the customer base and determine a related customer profile. The application additionally provides for new behavior algorithms to be added as needed in the future and the ability to interface with existing/legacy segmentation applications. | 01-05-2012 |
| 20120004946 | Integrated Operational Risk Management - Systems, methods, and software are described that may be used to integrate assessments of certain types of operational risks, including forecasted emerging (future) risks, current risks, and/or historical realized risks. | 01-05-2012 |
| 20110320543 | Analyzing News Content Information - A system and method for analyzing news content information is disclosed. In a particular embodiment, the method includes receiving a first electronic data from a first news source, wherein the first electronic data is associated with a particular news event and receiving a second electronic data from a second news source, wherein the second electronic data is associated with the particular news event. The method also includes comparing the first and second electronic data and based on the comparison, assigning a numerical value to at least one of the first and second electronic data. The method further includes based on the numerical value assigned to at least one of the first and second electronic data, generating a third electronic data and transmitting the third electronic data to a user. | 12-29-2011 |
| 20110320542 | Analyzing Social Networking Information - A system and method for analyzing social networking information is disclosed. In one embodiment, the method comprises receiving a plurality of electronic messages generated by one or more users of a social networking site. The method further includes for each of the plurality of electronic messages, determining one or more characteristics associated with the respective electronic messages. The method also includes for each of the plurality of electronic messages, assigning a numerical value to the electronic message based on the determined characteristics. The method also includes based on the assigned values, selecting one or more of the plurality of electronic messages and generating an electronic message based on the selected one or more electronic messages. The method also includes transmitting the generated electronic message to a user. | 12-29-2011 |
| 20110320541 | Electronic Mail Analysis and Processing - A system and method for electronic mail analysis and processing is disclosed. In one embodiment, the method includes receiving a plurality of electronic mail messages. The method also includes for each of the plurality of electronic mail messages, determining one or more characteristics associated with the respective electronic mail message. Further, the method includes assigning a numerical value to each of the plurality of electronic mail messages based on the determined characteristics and based on the assigned numerical values, selecting one or more of the plurality of electronic mail messages to transmit to a user. The method further includes generating a message based on the selected one or more of the plurality of electronic mail messages and transmitting the generated message to the user. | 12-29-2011 |
| 20110320294 | ACTIVE BUDGET CONTROL - A system and method that assists a customer with budgeting includes receiving, at a processor, customer input indicating the customer's desire to create one or more budgeting accounts each defined to correspond with one or more items included in a customer spending budget. The method also includes receiving, at a processor, customer input regarding one or more rules corresponding to the one or more budgeting accounts. The rules, in various embodiments, include one or more funding rules configured to provide parameters for dictating credits for one or more budgeting accounts and/or one or more withdrawal rules configured to provide parameters for dictating debits for one or more budgeting accounts. The method also includes creating, using a processor, one or more budgeting accounts based at least in part on the received customer input. In some embodiments, a processing device applies the rules during a transaction and updates the one or more budgeting accounts. | 12-29-2011 |
| 20110313923 | SELF-SERVICE MACHINE CONTACT ME NOW - Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) prompting, via a user interface associated with the self-service machine, the user to submit a request, where the request is to receive, at a mobile device accessible to the user, a communication regarding the problem; (c) receive the request via the user interface; and/or (d) send the communication regarding the problem to the mobile device accessible to the user. | 12-22-2011 |
| 20110313872 | INFORMATION BANKING - A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented. | 12-22-2011 |
| 20110309137 | SELF-SERVICE MACHINE PROBLEM CODE - Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) presenting, to the user via a user interface associated with the self-service machine, a code based at least partially on the determining that the problem occurred; (c) receiving the code from the user; and/or (d) initiating a claim for the user based at least partially on the receiving the code from the user, where the claim relates to the problem. | 12-22-2011 |
| 20110307416 | Systems and Methods for Offering and Servicing Hedge Funds - A family of hedge funds, serving as “feeder funds” into underlying single-manager hedge funds, formed to provide smaller investors with the ability to allocate and reallocate assets among alternative strategies, and this basic structure combining interrelated systems and methods for offering, redeeming, exchanging, valuing, reporting and servicing the same is a new approach. The system and methods described herein provide investors having less than ultra-high net worth portfolios with access to hedge funds and the potential valuable diversification to an overall portfolio, and the ability to customize their portfolio of hedge funds to their individual needs and adjust such portfolio over time as seen fit in light of changing financial needs and market conditions. This invention gives a wide range of investors access to hedge funds, creating economic value using a new source of stable investor capital for hedge fund managers, a value shared with investors through reduced costs. | 12-15-2011 |
| 20110307285 | Assessing Staffing Coverage for Software Applications - A computer system enables a business to determine a structure of a software application, obtain staffing information assigned to the application, and determine a staffing gap for different levels of the application. Staffing assessment may be expanded to a software portfolio that typically includes different applications and further to a line of business segment that corresponds to one or more portfolios. Supply coverage and demand coverage for each of the application levels is then determined so that staffing gaps for each of the application levels can be assessed. Staffing information may include staffing at different skill levels include subject matter experts, specialists, and generalists. The structure of an application may include modules that further include sub-modules. A training plan may be invoked when staffing is overly dependent on contractor support. | 12-15-2011 |
| 20110296243 | Recommendation of Relevant Information to Support Problem Diagnosis - The disclosure generally relates to knowledge retrieval using a knowledgebase storing general and/or expert knowledge. In particular, the disclosure relates to using complex retrieval techniques to implement an enhanced troubleshooting system that provides relevant information. Aspects of the disclosure retrieve relevant documents to assist in troubleshooting by reasoning with stored representations about the faulty system and its operating environment. After receiving a description of the symptoms and/or other information related to the problem, the system may recommend textual and/or non-textual documents with relevant information for identifying the cause of the problem and restoring operation. | 12-01-2011 |
| 20110295739 | BANKRUPTCY PAYMENT AND DEBT TRACKING - In general terms, embodiments of the present invention relate to methods and apparatuses for tracking payments and debts associated with a bankruptcy debtor. For example, some embodiments of the present invention are configured to: (a) receive information associated with one or more payments, where the one or more payments are associated with a debtor; (b) determine that a first portion of the one or more payments applies to pre-petition debt associated with the debtor; (c) determine that a second portion of the one or more payments applies to post-petition debt associated with the debtor; and (d) post, to a network-accessible account associated with the debtor, information that indicates that the first portion applies to the pre-petition debt and information that indicates that the second portion applies to the post-petition debt. | 12-01-2011 |
| 20110295731 | FINANCIAL CUSTOMER ACCOUNT ACTIVITY MONITORING AND PREDICTIVE ACCOUNT MANAGEMENT SYSTEM - Embodiments of the invention relate to systems, methods, and computer program products for providing financial institution customers real-time financial account management. Present embodiments leverage the financial institution's ability to monitor a customer's financial accounts and, specifically, financial account activity trends to determine, or otherwise predict, future financial transactions, such as financial obligations or the like. Based on these determined future financial transactions/obligations, the financial institution can provide real-time financial advice, such as financial advice alerts or the like, to a customer who is contemplating, or otherwise in the vicinity of conducting, a purchase transaction. For example, the financial advice alert may remind the customer of an imminent recurring financial obligation, such as an upcoming mortgage/rent, automobile payment or the like. | 12-01-2011 |
| 20110295654 | CUSTOMER-LEVEL MACRO BUSINESS PERFORMANCE MONITORING - Embodiments of the invention relate to systems, methods, and computer program products for client/customer-centric macro (e.g., business-wide) monitoring of business performance and determination of business-wide customer impact trends associated with the client's/customer's composite relationship with the business. Additionally, embodiments provide for determining customer impact trends at other levels of the business relationship, such as at business unit/line of business levels, product/service levels and the like. Based on the determined customer impact trends, further determinations may be made regarding whether alerts are warranted based on the trends, and generating and communicating the alerts if warranted. Determining business-wide customer impact trends provides for the business to identify problems or potential problems that may adversely impact the global relationship between the overall client entity and the business implementing the performance monitoring system. | 12-01-2011 |
| 20110295592 | Survey Analysis and Categorization Assisted by a Knowledgebase - The disclosure generally relates to knowledge retrieval using a knowledgebase storing general and/or expert knowledge. In particular, the disclosure relates to using an enhanced knowledgebase to implement a tool for analysis and categorization of surveys. | 12-01-2011 |
| 20110289354 | Distributed Batch Runner - Method and systems for allocating test scripts across a plurality of test machines is described. A set of test scripts may be maintained where the set of test scripts includes a plurality of test scripts for allocation to a plurality of test machines. A first request for a first test script task may be received from a first test machine of a plurality of test machines. A determination may be made as to whether each test script within the set of test scripts has been allocated. If not, a first unallocated test script to allocate to the first test machine may be determined, and a first test script task may be allocated to the first test machine where the first test script task includes the first unallocated test script. The first unallocated test script then may be identified as an allocated test script in the set of test scripts. | 11-24-2011 |
| 20110288999 | Deposit Permissions For Specific Non-Account Holders - Systems and methods for permitting a specific individual to deposit monetary funds in an account are described. A first request to permit a specific individual to deposit monetary funds into an account associated with an entity may be received. The specific individual is not an account owner of the account. At least one account owner defined criterion identifying the specific individual is received, and data representing a permission for the specific individual to deposit monetary funds into the account associated with the entity is stored. The at least one criterion may include a name, an address, and/or some other identifier of the specific individual. One or more restrictions may be placed on the ability to deposit monetary funds in the account. Additional specific individuals with similar and/or different restrictions on the ability to deposit may be permitted to deposit monetary funds into the account. | 11-24-2011 |
| 20110288998 | Deposit For Non-Account Holders - Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account. | 11-24-2011 |
| 20110288996 | Automatically Decisioning Transaction Requests - A system and method of automatically decisioning transaction requests is provided. In some examples, a decisioning system may receive customer transaction limit information, as well as current activity information. The system may determine whether a requested transaction is within a first transaction limit. If not, the system may determine whether the requested transaction is within a second transaction limit. If so, one or more business rules may be applied to the requested transaction to determine whether the transaction is approved. | 11-24-2011 |
| 20110288995 | Deposit For Entity Associated Non-Account Holders - Systems and methods for permitting a credit card payment are described. An individual associated with a credit card account of an entity may be identified. A request to permit the individual associated with the credit card account of the entity to deposit a credit card payment in a self-service financial transaction device associated with the entity may be received. An identifier of the individual associated with the credit card account may be read. A request from the individual to deposit monetary funds as the credit card payment into the self-service financial transaction device may be received, and a determination may be made as to whether the individual is authorized to make the deposit. Monetary funds from the individual for deposit as the credit card payment may be received. One or more restrictions may be placed on the ability to deposit monetary funds as the credit card payment. | 11-24-2011 |
| 20110288994 | Deposit Permissions For Non-Account Holders - Systems and methods for generating an access code are described. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity is received. The first individual is not an account owner of the account. The access code for permitting the first individual to deposit monetary funds into the account associated with the entity is generated. A second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is received, and the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is outputted. One or more restrictions may be placed on the ability to deposit monetary funds in the account. | 11-24-2011 |
| 20110288967 | Card-Based Banking - A payment device may be issued that is user generic and allows for the payment of billing accounts by storing billing account information in association with the payment device and/or an underlying funding account. In one example, the payment device might not store any user identification information. Upon receiving a bill payment request, a bill payment device may retrieve bill payment account information from a remote financial institution system (e.g., for a financial institution holding the payment device funding account) or from the payment device. The bill payment accounts may then be displayed for user selection. Payments may then be electronically transferred to a payee associated with the bill payment account. | 11-24-2011 |
| 20110282788 | Anonymous Electronic Payment System - Systems and methods for autonomous online payments to an individual are described. A request to generate an electronic payment user interface associated with an individual for a transaction to an account associated with an entity is received. One or more individual defined criteria associated with the electronic payment user interface for the transaction is received. An Internet accessible address to the electronic payment user interface is generated. A request input from a payer to access, via the Internet accessible address, the electronic payment user interface associated with the individual is received. An authorization input from the payer to make an electronic payment of monetary funds from an account of the payer to the account of the individual is received, and access by the individual to personally identifiable information of the payer regarding the transaction is prevented. | 11-17-2011 |
| 20110276385 | Mobile Shopping Decision Agent - A mobile shopping decision agent application is disclosed. A wireless-enabled (e.g., WiFi) device that uses three or more routers to locate the exact position (e.g., aisle number, shelf, etc. in a store) of a user operating the wireless-enabled device to provide the user with assistance in shopping (e.g., comparison, order online, read technical specifications, read customer reviews, etc.) for a product, and allows the user to purchase the product on the spot from the merchant (or another competing merchant) direct from his/her account with a bank online or at the merchant POS/checkout. In addition, application also may use various social networking features (e.g., product recommendations from friends, recommendations from public at large, wish list, etc.) to enhance the customer's shopping experience. | 11-10-2011 |
| 20110270872 | International Cross Border Data Movement - In some embodiments, a data movement system comprises a memory and a processor. The memory is operable to store a request to move data from a first jurisdiction and at least one action item associated with the request to move data, the request to move data comprising (a) a data type, (b) a jurisdiction from which the data is to be moved, and (c) a purpose for moving the data. The processor is configured to receive an update to the request to move data, the update to the request changing at least one of the data type, the jurisdiction from which the data is to be moved, or the purpose for moving the data. The processor is configured to identify a set of data movement rules based at least in part upon the updated request to move data. The processor is configured to apply at least one rule of the set of data movement rules to identify an update to the at least one action item to be completed in order to comply at least in part with the regulations. | 11-03-2011 |
| 20110270869 | COMMUNICATION MONITORING AND MANAGEMENT SYSTEM - Embodiments of the invention relate to systems, methods, and computer program products for managing electronic communications and, specifically, monitoring electronic communications received from numerous communications sources associated with a user, identifying that certain ones of the communications are priority communications and communicating notice of the priority communications to the user. The priority communication may be identified by user defined criteria, such key words, phrases, key topics, key names and the like; timeframe of the communication; user-defined priority rules; business performance indicators/metrics and the like. Communication of the notice may provide for communicating a priority communication alert to the user or communicating the notice to a network-accessible communication monitoring portal. | 11-03-2011 |
| 20110270773 | HOME MAINTENANCE RECOMMENDATION TOOL - Embodiments of the present invention provide a home maintenance recommendation tool that is incorporated into a user's online financial account. The home maintenance recommendation tool, generally provides a user the ability to review, edit, submit, and track home maintenance repairs needed on the one or more properties owned by the user. The home maintenance recommendation tool receives information related to repairs that the property might need through information that is captured when the mortgage is originated, purchased, or serviced, or through purchases made by the user at a business using certain financial accounts. The home maintenance recommendation tool also provides the user the ability to search, identify, receive, and purchase products and services needed to make the suggested repairs through businesses that are strategic partners with the financial institution using the user's online financial account. | 11-03-2011 |
| 20110270768 | International Cross Border Data Movement - In some embodiments, a data movement system comprises a memory and a workflow manager. The memory is operable to store a request to move data from one or more jurisdictions, the request comprising (a) a data type, (b) a jurisdiction from which the data is to be moved, and (c) a purpose for moving the data. The workflow manager is configured to identify a set of data movement rules based at least in part upon the request. The set of data movement rules are associated with regulations of the jurisdiction identified in the request. The workflow manager is configured to apply at least one rule of the set of data movement rules to identify an action item to be completed in order to comply at least in part with the regulations. | 11-03-2011 |
| 20110270645 | International Cross Border Data Movement - In some embodiments, a data movement system comprises a rules repository configured to store rules associated with regulations of the first jurisdiction and the regulations of the second jurisdiction. A workflow manager is configured to determine jurisdictional complexity of the project as a function of the regulations of the first jurisdiction and the second jurisdiction. The workflow manager is configured to determine jurisdictional exposure of the project as a function of an organization's exposure to the first jurisdiction and the second jurisdiction. The workflow manager is configured to determine the risk of the project as a function of the jurisdictional complexity of the project and the jurisdictional exposure of the project. | 11-03-2011 |
| 20110270618 | MOBILE COMMERCE SYSTEM - Embodiments of the invention are directed to systems, methods, and computer program products for providing targeted product offers to a consumer's mobile device based on the consumer's current location, location history, transaction history, and purchase thresholds. Embodiments of the invention are also directed to systems, methods, and computer program products for obtaining feedback from the consumer in relation to an offer and providing a modified offer based on the feedback. In one embodiment, the feedback is a determination that a consumer is not interested in a merchant offer based on the consumer's substantially real-time location information and transaction information. | 11-03-2011 |
| 20110265170 | METHOD AND APPARATUS FOR ENABLING AUTHENTICATION OF ON-LINE COMMUNICATIONS - Method and apparatus for enabling authentication of on-line communications. In some embodiments, a message code is embedded in an e-mail, where the message code can be used by the recipient to verify the authenticity of the e-mail or of a Web site. In some embodiments, this code can be created for a particular e-mail message; in other embodiments, the code is created as a watermark for use by a customer or other a specific user or recipient. The message code is associated with both the e-mail message and the recipient. In the case of a message-specific code, a recipient can verify the e-mail message by inputting the code via a Web server to be looked up in the database. Provision is also made for including stenographic information in graphical or other codes as further authentication when accessing a Web site. | 10-27-2011 |
| 20110264625 | Enhanced Data Comparison Tool - Systems and methods are illustrated for transitioning data from one data store to another data store. The transition may occur according to comparison information received through a graphical user interface. For example, the comparison information may map data or columns in a source data store to data or columns in a target data store. A score may also be generated based on a comparison of the source and target. A report may indicate a successful or failed data transition based on the score. | 10-27-2011 |
| 20110261947 | VIDEO COLLABORATION CALL CENTER QUEUING - Embodiments of the present invention provide apparatuses and methods for providing improved customer service and sales experiences through collaborative face-to-face interaction between a customer and an expert in another location. Some embodiments of the invention comprise apparatuses and methods for video collaboration between an associate of the business located on-site at the point of inquiry, the customer who requires customer service, and an expert located off-site, typically at a call center. Other embodiments of the invention comprise apparatuses and methods for queuing video collaboration and non-video collaboration calls within a call center. The embodiments of the invention relate to apparatuses and methods that can be used for any business that has on-site point of inquiry centers, but the apparatuses and methods are particularly useful for banking customers who enter banking centers to interact on a face-to-face basis with an expert in the area of the customer's needs. | 10-27-2011 |
| 20110261144 | ROUTING AND QUEUING INFORMATION FOR VIDEO CONFERENCING IN BANKING CENTERS - Embodiments of the present invention provide apparatuses and methods for providing improved customer service and sales experiences through collaborative face-to-face interaction between a customer and an expert in another location. Some embodiments of the invention comprise apparatuses and methods for video collaboration between an associate of the business located on-site at the point of inquiry, the customer who requires customer service, and an expert located off-site, typically at a call center. Other embodiments of the invention comprise apparatuses and methods for queuing video collaboration and non-video collaboration calls within a call center. The embodiments of the invention relate to apparatuses and methods that can be used for any business that has on-site point of inquiry centers, but the apparatuses and methods are particularly useful for banking customers who enter banking centers to interact on a face-to-face basis with an expert in the area of the customer's needs. | 10-27-2011 |
| 20110259961 | RFID Drawer Integration with Cash Handling Devices and Point of Sale Devices - Methods, systems, and devices utilize RFID devices in order to provide integrated information for receivables, inventory, and/or transactions from point of sale (POS) devices and cash handling device(s) to accounting systems. Transactions (e.g., debit card, credit card, coin, cash, check, etc.) are allowed at POS devices. The transactions may be communicated to cash handling devices through RFID devices (e.g., coupled to or on tills, receipts, printouts, etc.). Transaction-related materials (e.g., paper currency, coins, checks, receipts, etc.) may be moved from the POS devices to cash handling device(s). Actual counts and expected counts may be determined and may be communicated to accounting systems. | 10-27-2011 |
| 20110258703 | Detecting Secure or Encrypted Tunneling in a Computer Network - Aspects of the present disclosure relate to a computer assisted method for detecting encrypted tunneling or proxy avoidance which may include electronically receiving information from a proxy server, extracting information regarding a CONNECT function of Hyper Text Transport Protocol (HTTP) from the electronically received information, determining at least one destination to which the extracted information regarding the CONNECT function of HTTP corresponds and attempting to negotiate a standard HTTPS session with each of the at least one destination. Further, the computer assisted method may further include, for each of the at least one destination, determining whether the destination is hosting an encrypted tunneling or proxy avoidance application, wherein such a determining may be based on characteristics of an Secure Socket Layer (SSL) certificate associated with the destination or a response received from the destination over a TCP/IP connection. | 10-20-2011 |
| 20110258635 | Data Services Framework Visibility Component - A data services framework visibility component is disclosed. A method includes receiving a request for data from a client and selecting, based at least in part on the request, a workflow to process the request. The method also includes selecting, based at least in part on the request, a visibility profile. The method also includes based on the request, generating a plurality of backend calls and based on the selected visibility profile, filtering the plurality of backend calls. Additionally, the method includes transmitting one or more of the plurality of filtered backend calls to one or more data sources and receiving, from each of the selected data sources, a response to the plurality of filtered backend calls. The method also includes transmitting the response to the client. | 10-20-2011 |
| 20110258578 | Interfacing Between Applications Utilizing a Desktop Module - Interfacing between a plurality of applications includes opening the plurality of applications in a container according to a configuration file. The plurality of applications are associated with a plurality of business units. A processor determines an event subscription associated with each application, and determines whether an event changes context information associated with the event subscription. Each application is updated to indicate updated context information associated with the event subscription if the event changes the context information associated with the event subscription. | 10-20-2011 |
| 20110258558 | AUDIT ACTION ANALYZER - Audit reporting applications provide audit users the ability to perform reviews of compliance procedures used throughout a business that require supervisors to take actions on the communication between personnel. The action analyzer tool compiles, filters, and sorts message and action information, allows more advance analytics about the information, and answers complex questions that are not easily available by looking at the raw message and action information. The action analyzer tool breaks down the actions taken in order to determine if the supervisors are trying to take credit for an action that they did not actually perform or otherwise violating the accepted procedures for proper supervision and compliance. The message and action information can be sorted into number of actions taken within a specific time frame, the number of actions performed after a specified date, and/or the number of actions taken without the message being reviewed, to name a few. | 10-20-2011 |
| 20110258169 | Customization of Information Using a Desktop Module - To customize information using a desktop module, a page editor application is used to modify information for presentation in a container on a computer, wherein the container facilitates interaction between a plurality of applications associated with a plurality of business units. Configuration information is received to modify the presentation of information. A processor creates a modifiable configuration file according to the configuration information, wherein the modifiable configuration file comprises instructions to present the information in the container on the computer. The processor accesses the modifiable configuration file to facilitate presentation of the information according to the received configuration information. | 10-20-2011 |
| 20110258168 | Online Customization of Information Using a Site Management Module - To customize information online using a site management module, a request is received, from a remote computer over a network, to modify information for presentation in a container on a computer, wherein the container facilitates interaction between a plurality of applications associated with a plurality of business units. Configuration information is received from the remote computer to modify the presentation of information. A processor generates a modifiable configuration file according to the configuration information, wherein the modifiable configuration file comprises instructions to present the information in the container on the computer. | 10-20-2011 |
| 20110258158 | Data Services Framework Workflow Processing - A data services framework workflow processing system and method is disclosed. The method includes receiving a request for data from a client and based on the request, determining a workflow to process the request. The method also includes based on the workflow, generating a plurality of backend calls. Additionally, the method includes based on the plurality of backend calls, selecting one or more data sources from a plurality of data sources. The method also includes transmitting one or more of the plurality of backend calls to the selected data sources and receiving, from each the selected data sources, a response to the plurality of backend calls. | 10-20-2011 |
| 20110258124 | LEASE FINANCED ASSET TRACKING SYSTEM AND BUNDLED ASSET DOCUMENT GENERATOR - Embodiments of the invention relate to systems, methods, and computer program products for an automated and electronic means for financial institution clients to manage and track the funding of leased assets and, specifically, the combining of like assets into leased asset bundles for the purpose of generating lease records that include a leased asset bundle. By bundling assets and creating corresponding lease reports that include a leased asset bundle, the process for funding approval is streamlined, in that, document communication, signature requirements and overall tracking of documentation is minimized. In addition, an ancillary benefit is afforded the financial institution such that the bundled assets can be syndicated to third parties as a single schedule document. | 10-20-2011 |
| 20110255480 | System and Method for Providing a Communications Framework - A system includes a queuing module coupled to a first database and a delivery module coupled to a second database and the queuing module. The queuing module is operable to receive a plurality of communications from a plurality of applications and store the plurality of communications in the first database. The delivery module is operable to receive the stored plurality of communications from the queuing module, access end-user subscription information stored in the second database, determine, based on the end-user subscription information, one or more devices to receive the plurality of communications, and deliver the plurality of communications to the determined one or more devices on behalf of the plurality of applications. The end-user subscription information indicates one or more devices to receive the plurality of communications. | 10-20-2011 |
| 20110252384 | WIRELESS DISPLAY APPLICATION - Systems and methods are illustrated that relate to displaying an output screen from a mobile device on a monitor in communication with a computer through a wireless network. The systems and methods may include the steps of: connecting the mobile device to the computer via a network, converting an output screen from the mobile device into a transferrable command, sending the transferrable command to the computer via the network, receiving the transferrable command from the mobile device, translating the transferrable command into one of a plurality of monitor display screens, sending the one of the plurality of monitor display screens to a monitor in communication with the computer, and/or displaying the one of a plurality of monitor display screens on the monitor. | 10-13-2011 |
| 20110252150 | System and Method for Processing User Information - A method for processing information, such as user preferences and other user information, operates in connection with a server and/or a browser device. A connection is established between the browser device and the server, and a unique identifier is transmitted from the server to the browser device for storage on the browser device. User information is then received at the server, from the browser device and stored in a memory of the server, and the unique identifier is associated with the user information in the memory of the server. The user information includes one or more of the following types of information: language preferences, graphic display configuration preferences, other display preferences, disability preferences, marketing preferences, content preferences, personal user information, browsing history information, visitor type information, customer status information, relationship information, and user analytic information. | 10-13-2011 |
| 20110252148 | Methods, Systems, and Software for Providing Service Integration Framework - A preferred embodiment of the subject invention comprises a system for implementing computer network services and applications, comprising a front-end component comprising one or more applications; a back-end component comprising one or more services; and an abstraction layer component operable to communicate with the front-end and back-end components. In another preferred embodiment, the subject invention comprises a system for linking applications and services, comprising: a vendor connectivity component; a business integration component; a security component; a utility component; and a back end connectivity component. | 10-13-2011 |
| 20110251956 | SYSTEM AND METHOD FOR CORRESPONDENT BANK CUSTOMER ATM TRANSACTION PROCESSING - Systems and methods provide the customer of a correspondent bank, having a pre-arranged relationship with an ATM bank to use the ATM bank's ATM network, with the opportunity to deposit funds via check or cash using the ATM bank's ATM network. A correspondent bank profile and/or individual customer profiles are created and stored on the ATMs of the ATM bank and/or the backend system. The correspondent bank customer initiates a transaction with an ATM on the ATM network, is authenticated, and the ATM determines the customer is a customer of the correspondent bank. Based thereon, the ATM offers the customer the option to perform a deposit transaction. The ATM bank clears the deposited funds and sends transaction information to the correspondent bank including MICR data, check image, and transaction information. The transaction is settled through a demand deposit account owned by the correspondent bank and maintained by the ATM bank. | 10-13-2011 |
| 20110246614 | Mobile Content Management - A computer system interacts with a mobile device to support the needs of remote users and may leverage e-ink technology so that a mobile user can access, manage and read documents without being tethered. The mobile device allows for both user-initiated downloads from a corporate entity as well as corporate pushes by the corporate entity to ensure that the user has updated content. The computer system receives a request for selected electronic content, where the request includes updated configuration information and user identification. The computer system then maps the user identification to a device type from a plurality of device types. Embodiments support different device types including electronic ink display capable devices. The selected electronic content is then downloaded to the mobile device. Subsequently, the computer system pushes updated versions of the selected electronic content based on the updated configuration information. | 10-06-2011 |
| 20110246612 | Integration of Different Mobile Device Types with a Business Infrastructure - A mobile implementation channel enables secure mobile customer alerts, content delivery, event and location awareness and context integration that can be leveraged across multiple lines of business using basic interfaces. The mobile implementation channel enables secure reach to many mobile device types, abstracts away delivery peculiarities, and provides logging and security support when necessary taking into account who the individual is, where they are, and what they may be doing. A business infrastructure that is associated with a workflow generates a request to a computer system that subsequently maps the user identification to a device type from a plurality of device types and directs the request to a device based on the device type. The request may include content that may be formatted in accordance with the device type and that may be pushed to a device at a desired time or frequency. | 10-06-2011 |
| 20110246387 | CONSUMER BEHAVIOR MODIFICATION TOOL - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a financial account, a consumer behavior modification tool. In some embodiments, the method includes: identifying a financial account that can be used by a consumer to make a purchase, recording in connection with the financial account a rule that additional liability in the form of a transaction fee or interest rate will be applied to the financial account when a purchase meeting predefined criteria is made using the financial account, wherein the predefined criteria is defined such that only a subset of the set of potential purchases that can be made using the financial account meet the predefined criteria, receiving an indication that a purchase has been made using the financial account, applying the rule to determine that the purchase that has been made meets the predefined criteria recorded in connection with the financial account, and investing the additional liability, in the form of a transaction fee or finance charge, into an investment vehicle. | 10-06-2011 |
| 20110246385 | AUTOMATICALLY RECALIBRATING RISK MODELS - Methods, computer readable media, and apparatuses for automatically recalibrating risk models are presented. An identifier of a modeling function may be received. The modeling function may have at least one input variable and a first set of one or more coefficients. Updated performance data that includes at least one input value corresponding to the at least one input variable may be received from a data source. Then, a second set of one or more coefficients may be calculated for the modeling function based on the updated performance data. If it is subsequently determined that the modeling function more accurately models the updated performance data when the second set of one or more coefficients is used in computing a result of the modeling function, then the first set of one or more coefficients may be replaced with the second set of one or more coefficients to recalibrate the modeling function. | 10-06-2011 |
| 20110246377 | Conditional Establishment of a Communications Connection with a Mobile Terminal in Response to a Query From the Mobile Terminal - A mobile implementation channel supports the processing of a request for requested information for a customer of a business. The request may be generated through a wireless terminal and include a customer identification of the customer. Profile information about the customer may then be accessed and the user identification mapped to a device type of the customer. When the profile information indicates that the customer should be invited to interact with a representative the business, an invitation message is directed through the corresponding mobile communication channel type to the customer's device of the customer. The invitation message may include contact information and the requested information. The contact information may then be utilized to establish a communications connection between the customer and the representative of the business. Otherwise, only the requested information is directed through the mobile communication channel type to the customer's device. | 10-06-2011 |
| 20110246375 | HOME PURCHASE PROGRAM - Embodiments of the invention provide apparatuses and methods that provide for a housing purchase program in which a seller agrees to sell a home at a reduced price in return for the buyer agreeing to share with the seller some portion of the home's future appreciation. For example, the seller may desire to sell a home at a first price but the potential buyer wants to purchase the home at a lower price. The seller may agree to sell the home at a price lower than that which the seller desires, but only if the buyer agrees to share some portion of the home's future appreciation. In some embodiments, the housing purchase program further includes a mortgagee/investor that, at least temporarily, pays-off or forgives the seller's remaining mortgage principal that is above the sale price if the seller agrees to pay the mortgagee/investor back with any future appreciation in which the seller shares. | 10-06-2011 |
| 20110246358 | Enhanced Least Cost Routing of Fund Transfer Transactions - Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors, such as speed factors, quality factors, cost factors, and/or priority factors. Users sometimes desire to remotely transfer funds from their account (i.e., payor account) to a payee, but are ambivalent as to the delivery mechanism their financial institution uses to perform the transfer. Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner. | 10-06-2011 |
| 20110246355 | OVER LIMIT PROTECTION - In general terms, embodiments of the present invention relate to methods and apparatuses for providing over limit protection and/or for determining authorization decisions for over limit transactions. For example, some embodiments of the present invention are configured to: (a) receive a request to authorize a transaction involving a credit account, (b) determine that the credit account will incur an overage as a result of the transaction, and (c) authorize the transaction based at least partially on a determination that the credit account has over limit protection through a source account. As another example, other embodiments of the present invention are additionally or alternatively configured to: (a) determine that a credit account has incurred, or will incur, an overage as a result of a transaction, and (b) transfer funds from a source account to the credit account in an amount sufficient to offset the overage. | 10-06-2011 |
| 20110246345 | FLAT FEE MORTGAGE - Described herein are various apparatuses, methods, and computer program products for providing a mortgage environment that determines a flat fee for a mortgage that includes all lender and third-party fees associated with the mortgage. By providing a mortgage with a flat fee, the process of a borrower obtaining a mortgage from a lender can be easier because the borrower's worries about multiple fees, charges, and other costs can be combined into a single, flat fee. Some embodiments of the invention determine the flat fee based at least partially on analysis of various loan characteristics. | 10-06-2011 |
| 20110246344 | Generating Financial Reports - In some embodiments, a method for generating financial reports, includes selecting a first request from a plurality of pending requests. The first request requests a report on information regarding one or more accounts with a financial institution. The first request is separated into a plurality of content requests. The plurality of content requests represent requests for information to be incorporated into the requested report. A plurality of subreports are received in response to each of the plurality of content requests. The requested report is generated in response to the first request by binding each of the plurality of subreports. | 10-06-2011 |
| 20110246339 | Generating Financial Report Information - In some embodiments, a method for generating financial report information comprises receiving customer information associated with an account portfolio from a customer information database. The account portfolio comprises one or more customer accounts. A change in value for each of the one or more customer accounts is determined over a defined period. The one or more transactions represent asset activity associated with one or more customer accounts. One or more account rates of return are determined for each of the one or more customer accounts over the defined period. A portfolio rate of return is determined for the customer's account portfolio over the defined period. The portfolio rate of return and the one or more account rates of return are communicated to a reporting system. | 10-06-2011 |
| 20110246316 | Transaction Pre-Processing with Mobile Device - A system and method of pre-processing a transaction using a mobile device are presented. The system and method may include beginning a transaction at a mobile device. Beginning the transaction may include receiving transaction information at the mobile device. The transaction information may include a transaction identifier, type of transaction, method of payment, etc. In some examples, the transaction information may be stored at the mobile device. A network associated with a merchant or ATM associated with a financial institution may be detected at the mobile device. The mobile device may connect to the detected network and the transaction may be completed. | 10-06-2011 |
| 20110246306 | MOBILE LOCATION TRACKING INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the location of the customer over time and recognizes patterns in the routes the customer travels and locations that the customer frequently visits. The merchant offer program provides additional information to the customer, such as offers that are available for the product, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. based at least in part on the patterns recognized by the merchant offer program. The information sent to the customer can be based not only on the patterns identified, but on the customer's past purchase behavior, account balances, interests, merchant and/or institution relationships, etc. | 10-06-2011 |
| 20110238572 | Remote Control Of Self-Service Terminal - Various methods and systems are described, that, for example, receive at a computer a first request for a remote control session to remotely control the computer; responsive to receiving the first request, determine whether a local transaction is being performed at the computer; and responsive to determining that a local transaction is being performed at the computer, reject the first request. | 09-29-2011 |
| 20110238568 | Enhanced Optimized Routing With Volume Controls - Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors/controls, such as speed, quality, cost, priority, and/or volume. The volume controls may be configured with minimum and maximum values and configured to override other factors (e.g., cost, quality, etc.) Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner. | 09-29-2011 |
| 20110238538 | AGGREGATION OF CUSTOMER TRANSACTION DATA - Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request. | 09-29-2011 |
| 20110238499 | INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING THROUGH ONLINE BANKING STATEMENT OFFERS - Embodiments of the invention include a merchant offer program application, which is downloaded onto or accessed through a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the content in which the customer is interested (i.e. through account transaction history, wish list, website content, etc.). The merchant offer program provides offers that are available for the product in which the customer is interested on an interface, such as an online banking transaction history interface. The offers are associated with the same, similar, or related products to the products associated with the transactions listed on the interface. The customer may select the offer and have the offer (i.e. discount) applied automatically when the customer enters a transaction for the product associated with the offer in the future. | 09-29-2011 |
| 20110231332 | SYSTEMS AND METHODS FOR AUTHENTICATING A USER FOR ACCESSING ACCOUNT INFORMATION USING A WEB-ENABLED DEVICE - Systems, methods, and computer program products are provided for authenticating and efficiently re-authenticating a user with a financial institution in order to gain access to account information using a web-enabled device. The web-enabled device stores user profiles associated with the user including authentication information provided by the user during primary authentication. The device retrieves the authentication information upon secondary authentication, that is, validation of the user's identity, which in some embodiments, includes local validation of a personal identification number (“PIN”) and/or a remote control passcode (“RCP”). As such, the web-enabled device re-authenticates the user without requiring authentication communication with a financial institution server, and thereafter, the user interacts with an application running on the web-enabled device to retrieve desired account information from the financial institution server. | 09-22-2011 |
| 20110231313 | Creating and Utilizing an Image Replacement System - Aspects of this disclosure relate to a computer which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for preparing an image replacement document. According to aspects of the disclosure, the method may include electronically receiving a notification of a potential defect in a negotiable instrument, associated with a financial transaction, uploaded at an automated teller machine (ATM), electronically receiving an electronic copy of an image of the negotiable instrument uploaded at the ATM, and electronically receiving information regarding the financial transaction which included the negotiable instrument being uploaded at the ATM, wherein the information regarding the financial transaction includes an account number of an account into which funds of the negotiable instrument are to be credited. | 09-22-2011 |
| 20110231309 | HANDHELD ORDER UNIT AND CASH HANDLING DEVICE - Methods and devices allow a handheld order unit to be used with a cash handling device. A handheld order unit may be used by a staff person to enter order information, to display an amount due for the meal or other transaction, to facilitate payment, to print receipts, and to communicate information about the transaction to a cash handling device. The cash handling device may identify the handheld order unit and the assigned user for the unit and determine what financial documents need to be inserted by the user for reconciliation purposes. | 09-22-2011 |
| 20110231222 | Method and System for Enhanced Transaction Management - An integrated transaction module associated with an entity allows for consolidating and using information related to management of transactions. The integrated transaction system incorporates a transaction viewer for displaying information such as the companies involved in the transaction, level of interest shown by potential clients in hiring the entity to manage the transaction, whether or not the companies involved in the transaction present any conflict-of-interest for the transaction management company, and any attachments that may be relevant to the transaction. In addition, the integrated transaction system incorporates a transaction team conflicts checker to determine whether or not any of the team members involved in the transaction pose a conflict-of-interest and a best client analyzer for determining which of several potential clients offer the most benefits to the transaction management organization. | 09-22-2011 |
| 20110225077 | Activity Ranking - A system and method of ranking activities and/or services to offer to a customer is provided. In some examples, one or more products, activities or services of a financial institution may be ranked for a customer based on customer information. One or more of the ranked products, activities and services may be offered to the customer. The customer's acceptance or refusal of the offered activity may be stored and used in future rankings. | 09-15-2011 |
| 20110219103 | QUARANTINE TOOL - Described herein are apparatuses, methods, and computer program products for quarantining an out of compliance client device from other client devices on a network. Quarantining the out of compliance client device prevents the out of compliance device from corrupting other client devices on the network. For example, in operation, embodiments of the present invention involve: (1) receiving identification and location information for an out of compliance client device; (2) running a tool that utilizes the identification and location information to access the out of compliance device; (3) using the tool to modify the out of compliance device such that the out of compliance client device broadcasts a request for configuration information to which a network server is programmed to respond with configuration information associated with an isolated network; and (4) using the tool to cause the out of compliance client device to logout of the network. When the device logs back into the network, the network server responds by directing the device to the isolated network. | 09-08-2011 |
| 20110219059 | COMPLIANCE TOOL - Described herein are apparatuses, methods, and computer program products for changing an out of compliance client device into a client device that is in compliance utilizing a compliance tool. In some embodiments of the invention the compliance tool identifies the location of the out of compliance client device, determines why the client device is out of compliance, brings the client device into compliance, and modifies the client device to allow it to access the network. In other embodiments of the invention the compliance tool is a compliance agent, wherein at a least a part of the compliance agent is uploaded on the client device. The compliance agent periodically checks the client device to determine if the client device has been brought into compliance, and when it is brought into compliance the compliance agent modifies the client device to allow it to access the network, and is then uninstalled from the client device. | 09-08-2011 |
| 20110213724 | COMMUNITY HUB REVIEW - The business review application provides a customer with a bank-hosted business review platform that provides an advertising and feedback service for the bank's business customers and provides a rating, review, feedback, and recommendation service for the bank's individual and business customers. Thus, the bank's customers can rate and review the bank's business customers. The bank uses its authentication systems used by its customers to access online banking services to authenticate the identity of the customer creating a business review in the business review platform. In some embodiments, the business review application only permits its customers to make one review of a business within a certain period of time or one review after a transaction with that business shows up in the customer's transaction information maintained by the bank. In this way, the bank can host a review platform that is much more accurate and trust-worthy than traditional business review platforms. | 09-01-2011 |
| 20110213710 | IDENTIFICATION OF CUSTOMERS AND USE OF VIRTUAL ACCOUNTS - Systems and methods for authorizing an individual for purchasing a product and/or service are described. Monetary funds of a customer of a company may be received into a monetary account of the company at the financial entity. The received monetary funds of the customer may be maintained virtually in a non-monetary account with the non-monetary account value being proportional to the received monetary funds. A determination may be made as to whether an identified customer is authorized to make a purchase with an associated payment amount. The customer may be identified by a scanned iris. Upon determining the identified customer is authorized, the non-monetary account value may be decreased proportional to the associated payment amount. | 09-01-2011 |
| 20110213709 | CUSTOMER AND PURCHASE IDENTIFICATION BASED UPON A SCANNED BIOMETRIC OF A CUSTOMER - Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer desires to make a purchase with an associated payment amount from an entity. A determination may be made as to whether the identified customer has a default purchase at the entity. Information of an account of the customer to make a purchase may be received and funds in the account may be debited by the associated payment amount. An item corresponding with the purchase based upon the scanned iris may be determined. | 09-01-2011 |
| 20110213704 | BUSINESS CUSTOMER COMMUNITY HUB - The business community hub application provides a business customer the ability to add an event or offer to the community hub that can be accessed by individual customers or business customers. The business community hub application also notifies business customers of offers provided by other businesses or about local community events in which the business customer may be interested. The business customers have the ability to find contacts and network with other local businesses. The business community hub application also uses transaction information available to the bank to display market data and trends that may be of interest to the business customer. In this way, the business community hub works with the online banking application as a tool for local businesses, it allows business customers to interact with individual customers, the community in general, as well as other businesses, in a forum for exchanging products, services, and information. | 09-01-2011 |
| 20110213703 | INDIVIDUAL CUSTOMER COMMUNITY HUB - The individual community hub provides individual customers the ability to access information related to events, businesses, offers, and activities that are a part of the individual customer's local community through the individual customer's online banking account. The individual customer can search, identify, receive offers or discounts from, review, etc. the events, businesses, and activities in which the individual customer might be interested. The information provided to the individual customer may be based on the customer's local community (e.g. geographic location), as well as the individual customer's transaction information captured by the bank each time the individual customer makes a purchase or completes a transaction through the bank. The information may also be based on information obtained from the bank's relationship with local businesses and/or other individual customers. In this way an individual customer's online banking account becomes the individual customer's source of local personalized community information. | 09-01-2011 |
| 20110213697 | Financial Analysis Mechanisms - Aspects of the present disclosure provide a system for providing employees of a loan offering entity a tool that is more efficient and accurate than completing required multiple calculations manually by the employee. Still other aspects deliver a summary of the noted information that must be analyzed by the employee when determining qualifying income with accountability in place to ensure such noted information was analyzed, including checklists, confirmation notations, and/or other methods. Integrating a standard tool for tax analysis of evidentiary records of an individual drives a consistent approach to tax analysis to support salability requirements and fair lending. Guidance and support to accurately complete the tax analysis may be provided, and efficiency of the tax analysis process may be improved. | 09-01-2011 |
| 20110213696 | Financial Analysis Mechanisms - Aspects of the present disclosure provide a system for providing employees of a loan offering entity a tool that is more efficient and accurate than completing required multiple calculations manually by the employee. Still other aspects deliver a summary of the noted information that must be analyzed by the employee when determining qualifying income with accountability in place to ensure such noted information was analyzed, including checklists, confirmation notations, and/or other methods. Integrating a standard tool for tax analysis of evidentiary records of an individual drives a consistent approach to tax analysis to support salability requirements and fair lending. Guidance and support to accurately complete the tax analysis may be provided, and efficiency of the tax analysis process may be improved. | 09-01-2011 |
| 20110213690 | CARBON FOOTPRINT DETERMINATIONS - Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous. Based on information gleaned from the consumer's transaction data, the modeling environment may determine the quantities of goods and services the consumer consumed in each of the categories and then apply conversion ratios to convert the respective quantities of goods and/or services consumed into units of greenhouse gas emissions. | 09-01-2011 |
| 20110213665 | Bank Based Advertising System - Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique bank-based advertising system. In one embodiment, the bank-based advertising system receives an authentication request from a user. The system then compares information received with the authentication request to authentication information stored in a memory system to determine that the user is a customer of the bank and has access to a financial account maintained by a bank. The system then provides the user with access to a bank-based advertising system based at least partially on the determination that user is a customer of the bank and has access to the financial account. The system then allows the user to use the bank-based communication system to create an advertisement on behalf of an owner of the financial account for which the user was authenticated. The system then presents the advertisement through one or more banking outlets. | 09-01-2011 |
| 20110213658 | BANKING CENTER COMMUNITY DISPLAY - Embodiments of the present invention provide a system, method and computer program product for providing a new bank-based communication system. For example, embodiments of the invention provide a method for: (1) identifying a user interface, where the user interface is associated with a banking center accessible to a user; (2) identifying a banking center community associated with the banking center; (3) determining content to present on the user interface based at least partially on the banking center community; and (4) presenting the content to the user using the user interface. | 09-01-2011 |
| 20110211746 | PROCESSING FINANCIAL DOCUMENTS - Methods, computer readable media, and apparatuses for processing financial documents are presented. Image data associated with a first financial document, such as a check to be deposited, may be received. A first multivariate vector may be determined based on the received image data, and the first multivariate vector may include a plurality of vector components. Each vector component may represent a distance from an edge of the first financial document to a feature of the first financial document, and each vector component may be a ratio of distances. The determined first multivariate vector may be compared with a second multivariate vector associated with a second financial document. Based on the comparing, a confidence score for the first financial document may be determined. A transaction involving the first financial document may be authorized in response to the confidence score exceeding a threshold. | 09-01-2011 |
| 20110210826 | CASH HANDLING FACILITY MANAGEMENT - Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility. | 09-01-2011 |
| 20110208960 | System and Method for Secure Communications - Encryption of electronic messages may be automatically processed by a messaging system based on keywords or other attributes of the messages. In one example, if the message includes a predefined keyword, the messaging system may automatically encrypt the message for all recipients outside of a private network. In another example, the messaging system may automatically encrypt messages based on recipient address. Thus, if a recipient is on a list of addresses to which encryption applies, the message being sent to that particular recipient may be encrypted while a copy of the message being sent to other recipients not on the list might remain unencrypted. | 08-25-2011 |
| 20110208783 | Integration of User Identifiers - User identifiers associated with a plurality of enterprises may be integrated. A request is received to link a plurality of user identifiers associated with a plurality of enterprises. A first user identifier associated with a first enterprise is received, and a second user identifier associated with a second enterprise is received. The first user identifier and a first enterprise identifier are stored in a first data structure of a memory. The second user identifier and a second enterprise identifier are stored in a second data structure of the memory. A first account identifier associated with the first user identifier is determined by a processor. A second account identifier associated with the second user identifier is determined by the processor. The first user identifier, the second user identifier, the first account identifier, and the second account identifier are stored in a virtual profile to link the first and second user identifiers and facilitate retrieval of information associated with the first and the second user identifiers from a selected one of the first enterprise and the second enterprise. | 08-25-2011 |
| 20110208640 | TICKETED FUNDS TRANSFERS BETWEEN A BROKERAGE ACCOUNT AND A DEPOSIT ACCOUNT - Systems, apparatuses, and methods may include establishing an omnibus account for conducting financial transactions with a financial institution, establishing a brokerage account for each of a plurality of customers, receiving a plurality of order requests to make transfers of respective customer-specified monetary amounts between a subset of the brokerage accounts and the omnibus account, aggregating the monetary amounts to determine a net monetary amount based on the order requests, generating a payment order based on the net monetary amount, communicating the payment order to the financial institution, and receiving confirmation from the financial institution in response to the payment order to execute the order requests. | 08-25-2011 |
| 20110208629 | CUSTOMER ACCOUNT NOTIFICATION MESSAGES - Embodiments of the invention relate to apparatuses, methods, and computer program products for providing notification messages relating to observations made about a customer's use of an account that is held by a bank. For example, one embodiment of the invention provides a bank computer system having a memory communicably coupled to a communication device and a processor. In one embodiment, the memory stores information about the customer's use of account services and features, including online banking. The processor is configured to monitor the information and make observations about the customer's use of the account services and features, and use the communication device to communicate a notification message containing information relating to how the customer could better utilize the account services and features. | 08-25-2011 |
| 20110208603 | CUSTOMER ONBOARDING - Financial institutions are continuously seeking effective ways “to onboard” customers. As used herein, “to onboard” or “onboarding” refers to a financial institution building its relationship with a customer just after that customer signs up for, or otherwise consumes, a financial product or service offered by the financial institution. Embodiments of the present invention provide apparatuses, methods and computer program products for onboarding customers. For example, according to an embodiment, the present invention provides an onboarding hub that onboards customers by helping customers set up and use an online banking website to manage their account(s). | 08-25-2011 |
| 20110208586 | Leveraging Demographic Data for Advertising Purposes - A computer assisted method selecting a potential audience for an advertisement wherein the method may include electronically receiving data relating to at least one financial transaction between a customer of an organization and a third party, electronically receiving data relating to at least one demographic of the customer, and using a demographic evaluation computer to determine a potential audience for an advertisement based on the financial transaction data and the demographic data. The method for determining a potential audience for an advertisement may include searching the electronically received demographic data for data that matches a first criterion which is related to the demographic data, searching the electronically received financial transaction data for data that matches a second criterion which is related to the financial transaction data, comparing the data that matches a first criterion with the data that matches the second criterion to determine which of the data matching the first criterion and the data matching the second criterion matches both the first and the second criterion, and compiling the data which matches both the first and the second criterion. | 08-25-2011 |
| 20110202969 | ANOMALOUS ACTIVITY DETECTION - The disclosure addresses the detection of anomalous activity. Some embodiments are directed towards a system for receiving an indication relating to a plurality of controls, identification information associated with a responsible account, and instructions from a responsible account associated with the monitoring of thresholds of controls being monitored. The plurality of user account may be organized into groups based upon information relating to the user accounts, and instructions may be applied to the groups to create a dynamic security policy. | 08-18-2011 |
| 20110202500 | ANOMALOUS ACTIVITY DETECTION - The disclosure addresses the detection of anomalous activity. Some embodiments are directed towards consolidating information from multiple data feeds. Exemplary information may relate to: extrusion violations, failed logins, sensitive fields access, sensitive objects access, escalation of privileges, or activity during a specific time frame within a time period, and combinations of one or more of these. In one embodiment, duplicate data may be removed or consolidated. | 08-18-2011 |
| 20110202474 | Life Calendar - A method for providing a life calendar for a user includes gathering and tracking user data. The user data includes data associated with user-specific events and financial data. Recommendations are determined for the life calendar user based on the user data and may be refined based on bank data. Upon request, the life calendar is presented to the user populated with at least one of user data, user events, and recommendations. | 08-18-2011 |
| 20110202459 | PROCESSING TRANSACTIONS INVOLVING EXTERNAL FUNDS - Methods, computer readable media, and apparatuses for processing transactions involving external funds are presented. A funding source associated with a financial institution different from a financial institution at which a transaction is being conducted may be identified. The funding source may be validated and registered with the financial institution at which the transaction is being conducted. In some examples, a trust level may be determined for a user associated with the funding source, and the amount of funds available for transacting may be limited based on the trust level. In some examples, an amount of funds from the funding source available for transacting may be limited by an amount of funds associated with the user at the financial institution where the transaction is being conducted. Responsive to risk factors being met, the requested transaction may be rejected automatically. Otherwise, a transaction may be processed with the financial institution with funds drawn from the registered funding source. The transaction may be processed automatically in accordance with a predefined transfer schedule. | 08-18-2011 |
| 20110202436 | DETECTING CREDIT MISUSE - Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit. | 08-18-2011 |
| 20110196782 | Transferring Funds Using Mobile Devices - Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller. | 08-11-2011 |
| 20110194676 | Personalized Alert Information Available by Telephonic Device - Techniques for notifying a customer of a financial institution about an alert message over a communication device are disclosed. Upon contacting an alert message center of the financial institution, the customer is presented with a notification of alert messages and may choose what action to take with respect to each alert message. The customer may respond to those issues that the customer deems important enough to warrant immediate attention without having to also sort through numerous other issues that the customer does not wish to address at the time. The alert message center collects and sorts alert messages for presentation to the customer according to various customer preferences that are updated and stored by the alert message center. | 08-11-2011 |
| 20110191259 | Financial Document Request and Retrieval - Requests for physical documents matching one or more transaction document images may be processed by a request clearinghouse system. For example, the request clearinghouse system may identify the requested physical document and determine a storage location thereof. Upon identifying the storage location, the request clearinghouse system may add the request to a worklist of the storage location. Each storage location may have its own worklist. Upon completion of a task (e.g., processing of a request), the storage location may transmit a confirmation to the request clearinghouse system. The request clearinghouse system may notify the requesting party that the request was processed. Additionally or alternatively, storage location systems may transmit transaction information to the request clearinghouse system upon detection of a new physical document or transaction. This information may include document images, transaction parties, transaction amounts and the like. | 08-04-2011 |
| 20110191243 | Automated Teller Machine Load Balancing - A system and method of balancing load between one or more ATMs is provided. In some examples, a notification of a service issue may be received from a first ATM. A determination may be made as to whether ATMs within a predefined geographic distance of the first ATM may have sufficient capacity to support additional transactions due to the first ATM being out of service. If the additional ATMs do have sufficient capacity, a service call to address the service issue at the first ATM may be postponed, for instance, until a more convenient time, a regular business day, etc. If the additional ATMs in the area do not have sufficient capacity, a service call may be placed to address the service issue at the first ATM as soon as possible. | 08-04-2011 |
| 20110191242 | Check Cashing At Automated Teller Machine - A system and method of check cashing at an ATM are provided. In some examples, the system and method may include receiving a check at an ATM that does not include denominations of bills and/or coins to cash the check. The amount of the check may be rounded up to an amount for which appropriate denominations are available and the difference between the amount of the check and the rounded up amount may be charged to an account of a user, such as checking account, savings account, credit card, and the like. | 08-04-2011 |
| 20110191239 | MONITORING RETAIL TRANSACTIONS ASSOCIATED WITH A FINANCIAL INSTITUTION-BASED MERCHANT OFFER PROGRAM AND DETERMINING SAVINGS METRICS - Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include both amounts saved by accepting the merchant offers associated with the program and savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available. | 08-04-2011 |
