Patents by Inventor Colleen Novielli

Colleen Novielli has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Reward Program for Financial Accounts
    Publication number: 20150154625
    Abstract: A computer system enables a financial institution to award a fixed reward that may include one or more fixed components based on at least one payment criterion when a customer remits a payment in a timely basis. The payment criteria, for example, may include paying a minimum amount for each consecutive billing period in a timely manner over a predetermined calendar interval. When the customer is awarded the fixed reward, the reward may be directed to an account that is designated by the customer. The fixed reward may also include a basic fixed amount for satisfying the at least one payment criterion a well as an additional fixed amount if the customer has a specified relationship (such as a checking and/or a savings account) with the financial institution.
    Type: Application
    Filed: February 10, 2015
    Publication date: June 4, 2015
    Inventors: Elizabeth L. Basnight, John Livaditis, Faith Hepler, Phyllis Thesing, Erica Geers, Colleen Novielli, Eric Charles Boyd
  • Reward Program for Loan Accounts
    Publication number: 20140207548
    Abstract: A computer system enables a financial institution to award a fixed reward that may include one or more fixed components based on at least one payment criterion when a customer remits a payment in a timely basis. The payment criteria, for example, may include paying a minimum amount for each consecutive billing period in a timely manner over a predetermined calendar interval. When the customer is awarded the fixed reward, the reward may be directed to an account that is designated by the customer. The fixed reward may also include a basic fixed amount for satisfying the at least one payment criterion a well as an additional fixed amount if the customer has a specified relationship (such as a checking and/or a savings account) with the financial institution.
    Type: Application
    Filed: January 23, 2013
    Publication date: July 24, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Elizabeth L. Basnight, John Livaditis, Faith Hepler, Phyllis Thesing, Erica Geers, Colleen Novielli, Eric Charles Boyd