Patents by Inventor Julie Mann Keppner

Julie Mann Keppner 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).

  • Patent number: 9449328
    Abstract: A system for transforming customer data includes a network interface and a processor. The network interface communicates a request for customer data associated with a particular geographical area. It also receives a customer profile code associated with the customer data, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor transforms the first and second code segments into customer data using the rules. It further analyzes the particular geographical area using the customer data.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: September 20, 2016
    Assignee: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Richard H. Thomas, Julie Mann Keppner
  • Patent number: 9443251
    Abstract: A system for authenticating a customer includes a network interface and a processor. The network interface communicates a request for customer data associated with a particular customer. It also receives a customer profile code associated with the customer, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor transforms the first and second code segments into customer data using the rules. It further authenticates the customer using the customer data.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: September 13, 2016
    Assignee: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Richard H. Thomas, Julie Mann Keppner
  • Patent number: 9443103
    Abstract: A system for transforming customer data includes a network interface and a processor. The network interface communicates a request for customer data associated with a determined set of customers. It also receives a customer profile code associated with the customer data, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor determines the set of customers, transforms the first and second code segments into customer data using the rules, and analyzes the customer data to determine an operations history for the set of customers.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: September 13, 2016
    Assignee: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Richard H. Thomas, Julie Mann Keppner
  • Patent number: 9384366
    Abstract: A system for encoding customer data includes a memory, a decision engine, a rules engine and an interface engine. The memory stores customer data associated with service levels and rules. The decision engine receives a request for customer data from a third party, determines that the third party is associated with a first service level, and retrieves the customer data associated with the first service level. The rules engine transforms customer data into first and second code segments by applying the rules. The rules engine combines at least the first code segment and the second code segment to form a customer profile code. An interface engine communicates the customer profile code to the third party.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: July 5, 2016
    Assignee: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Richard H. Thomas, Julie Mann Keppner
  • Publication number: 20160110563
    Abstract: A system for encoding customer data includes a memory, a decision engine, a rules engine and an interface engine. The memory stores customer data associated with service levels and rules. The decision engine receives a request for customer data from a third party, determines that the third party is associated with a first service level, and retrieves the customer data associated with the first service level. The rules engine transforms customer data into first and second code segments by applying the rules. The rules engine combines at least the first code segment and the second code segment to form a customer profile code. An interface engine communicates the customer profile code to the third party.
    Type: Application
    Filed: November 24, 2015
    Publication date: April 21, 2016
    Inventors: VICTORIA L. DRAVNEEK, Richard H. Thomas, Julie Mann Keppner
  • Publication number: 20160110562
    Abstract: A system for transforming customer data includes a network interface and a processor. The network interface communicates a request for customer data associated with a determined set of customers. It also receives a customer profile code associated with the customer data, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor determines the set of customers, transforms the first and second code segments into customer data using the rules, and analyzes the customer data to determine an operations history for the set of customers.
    Type: Application
    Filed: November 24, 2015
    Publication date: April 21, 2016
    Inventors: VICTORIA L. DRAVNEEK, Richard H. Thomas, Julie Mann Keppner
  • Publication number: 20160110732
    Abstract: A system for transforming customer data includes a network interface and a processor. The network interface communicates a request for customer data associated with a particular geographical area. It also receives a customer profile code associated with the customer data, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor transforms the first and second code segments into customer data using the rules. It further analyzes the particular geographical area using the customer data.
    Type: Application
    Filed: November 24, 2015
    Publication date: April 21, 2016
    Inventors: VICTORIA L. DRAVNEEK, Richard H. Thomas, Julie Mann Keppner
  • Publication number: 20160110731
    Abstract: A system for authenticating a customer includes a network interface and a processor. The network interface communicates a request for customer data associated with a particular customer. It also receives a customer profile code associated with the customer, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor transforms the first and second code segments into customer data using the rules. It further authenticates the customer using the customer data.
    Type: Application
    Filed: November 24, 2015
    Publication date: April 21, 2016
    Inventors: Victoria L. Dravneek, Richard H. Thomas, Julie Mann Keppner