Steven Alan Hoagland

US Patent:

20120109803, May 3, 2012

Filed:

Mar 8, 2011

Appl. No.:

13/042954

Inventors:

Stephanie F. Seugling - Concord NC, US
Robert Shannon Arroba - Charlotte NC, US
Charles Cary Hudgins - Charleston SC, US
Edward C. Ritter - Charlotte NC, US
Selina Stanley Button - Antioch CA, US
Keith Silvestri - Longmeadow MA, US
Suha Aburahma Freij - Charlotte NC, US
Steven William Hoagland - Charlotte NC, US
Scott Christopher Arcure - Chapel Hill NC, US
Lisa A. Benadom - Fair Oaks Ranch CA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

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.

US Patent:

20150127542, May 7, 2015

Filed:

Jan 8, 2015

Appl. No.:

14/592285

Inventors:

- Charlotte NC, US
Robert Shannon Arroba - Charlotte NC, US
Charles Cary Hudgins - Charleston SC, US
Edward C. Ritter - Charlotte NC, US
Selina Stanley Button - Antioch CA, US
Keith A. Silvestri - Moreland Hills OH, US
Suha Aburahma Freij - Charlotte NC, US
Steven William Hoagland - Charlotte NC, US
Scott Christopher Arcure - Chapel Hill NC, US
Lisa A. Davis - Chatsworth CA, US

International Classification:

G06Q 20/40

US Classification:

705 44

Abstract:

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.