Charles Step Burrell

US Patent:

20140074701, Mar 13, 2014

Filed:

Sep 13, 2012

Appl. No.:

13/614740

Inventors:

Tamara S. Kingston - Peoria AZ, US
Charles J. Burrell - Middleburg FL, US
Lisa M. Martin - Slingerlands NY, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/14
G06Q 20/22

US Classification:

705 40, 705 39

Abstract:

Apparatus and methods for improving online billpay are provided. In some embodiments, the apparatus and methods may receive an attachment from a donor. The attachment may be submitted by the donor for inclusion in a gratuitous transfer of funds to a beneficiary. The transfer of funds may be tagged using an electronic marker. The tag may include a set of predefined parameters. The tag may restrict the use of funds according to a set of predefined parameters. The gratuitous transfer of funds may be electronically transmitted. The transfer may be confirmed by an electronic notification.