Caroline Beal Stott

US Patent:

8260693, Sep 4, 2012

Filed:

Jan 12, 2006

Appl. No.:

11/813826

Inventors:

Maura L. Griffin - Atlanta GA, US
Lee A. Streu - Charlotte NC, US
Caroline B. Stott - Gastonia NC, US
Brent B. Allen - Charlotte NC, US
Colleen M. Buckles - Discovery Bay CA, US
Gerald V. Yuille - Washington DC, US
Tamara S. Kingston - Peoria AZ, US
Deborah M. Winick - Carmel CA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 10/00

US Classification:

705 33

Abstract:

Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like.

US Patent:

20080103967, May 1, 2008

Filed:

Oct 31, 2006

Appl. No.:

11/554949

Inventors:

Catherine H. Ackert - Seattle WA, US
LouAnn Aheron - Charlotte NC, US
Michelle Calarco - Charlotte NC, US
Glenn Earl Eickenhorst - Charlotte NC, US
Anahita English - Charlotte NC, US
Marcus Brian Howell - Charlotte NC, US
Caroline Beal Stott - Gastonia NC, US
Deborah M. Winick - Carmel CA, US

Assignee:

BANK OF AMERICA - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35

Abstract:

A business may uniformly calculate and offer a fee refund to customers requesting refunds for fees charged to the customers' accounts. Rather than relying on individual employee discretion, a server may use account information and customer information to generate the fee refund amount to be offered to the customer. The calculated refund amount may be based on a variety of considerations including, but not limited to, the amount the account is overdrawn, the profitability of the account, the number of occurrences of charged fees, and/or other factors such as family relationships to other bank customers. Additionally, a fee refund offer may be stored and referred to when the customer subsequently requests a refund.