Michael T Leary

US Patent:

8571954, Oct 29, 2013

Filed:

Sep 20, 2010

Appl. No.:

12/885905

Inventors:

Michael J. Leary - North Wales PA, US
Brian David King - Hockessin DE, US
Jeffrey Roger Walls - Charlotte NC, US
Keith Carlascio - Fleming Island FL, US
Scott D'Allaird - Mint Hill NC, US
William Anthony Nobili - Charlotte NC, US
Diana L. Imrie - Belmont NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35, 705 11

Abstract:

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.

US Patent:

20130346283, Dec 26, 2013

Filed:

Jun 22, 2012

Appl. No.:

13/530932

Inventors:

Steven Demarest - Elkton MD, US
Scott L. Godsey - Hockessin DE, US
Douglas M. Jones - Aston PA, US
Rachelle L. Krueger - Scottsdale AZ, US
Michael J. Leary - North Wales PA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/02

US Classification:

705 38

Abstract:

In certain embodiments, a system includes a processor. The system also includes one or more non-transitory computer readable storage media embodying software that is operable when executed by the processor to perform certain operations. The operations include receiving a credit application request from an applicant directed to a credit entity. The credit application request includes a product selection. The operations also include determining a relationship strength between the applicant and the credit entity. The operations also include receiving a plurality of responses to requests for applicant data. The operations also include determining an applicant classification based at least in part on one or more of the product selection and the relationship strength. The operations also include determining, based on the applicant classification, one or more applicant data collection rules. The operations also include customizing requests for additional applicant data using the determined one or more applicant data collection rules.