Patents by Inventor Naveen G. Yeri
Naveen G. Yeri 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).
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Publication number: 20160180454Abstract: In systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.Type: ApplicationFiled: February 25, 2016Publication date: June 23, 2016Inventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Srihari Rao Gatpa, Li Wei, David Neil Joffe, Parul Bajaj
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Patent number: 8874674Abstract: Systems, methods and computer program products are provided for optimizing social networks. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Pluralities of networking opportunities are identified based on the account data. Furthermore, based on the account data triggers may be detected indicating a user's interest in one or more social networking opportunities. The system then offers the user, based at least partially on the detected trigger, the one or more social networking opportunities.Type: GrantFiled: June 1, 2012Date of Patent: October 28, 2014Assignee: Bank of America CorporationInventors: Thayer S Allison, Timothy J. Bendel, David Joa, Yanghong Shao, David Neil Joffe, Naveen G. Yeri
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Patent number: 8805730Abstract: Systems and methods for monitoring trigger data quality are provided herein. The systems and methods detect and report whether the current trigger counts are normal or flawed in real time. The systems and methods monitor the triggers to determine the accuracy, completeness, domain of values, and format of the trigger data. In the system and methods, account data associated with the one or more accounts is received and stored in a storage device; the account data is segregated into one or more periods of time; triggers associated with the one or more periods of time are identified based on transactions that occur during the one or more periods of time; a total transaction count for each of the triggers is calculated; and control limits are determined based on the transaction count for each of the triggers.Type: GrantFiled: June 1, 2012Date of Patent: August 12, 2014Assignee: Bank of America CorporationInventors: Naveen G. Yeri, Bibhudatta Jena, Arya Kumar Vedabrata, Chandrashekar Katuri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, Jr., Deepak Verma, Yanghong Shao, Parul Bajaj
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Patent number: 8688572Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event.Type: GrantFiled: June 1, 2012Date of Patent: April 1, 2014Assignee: Bank of America CorporationInventors: Yanghong Shao, Bibhudatta Jena, Timothy J Bendel, David Joa, Vikas Mishra, Thayer S Allison, Jr., Deepak Verma, Srihari Rao Gatpa, Naveen G Yeri, Jade Michelle Le Vo-Dinh, Kunal Makin, David Neil Joffe
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Publication number: 20130325604Abstract: Systems and methods for providing offers associated with one or more accounts of a financial institution is provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity for at least one of inbound transactions or outbound transactions based on the account data; and identifies triggers comprising opportunities for providing offers based on the account activity. The system then provides an offer to the user based on the trigger. In some embodiments, the trigger is based on inbound transaction but in other embodiments the trigger is based on outbound transactions. The offer can be specifically related to another party associated with the trigger, e.g., the recipient of a payment, or the offer can be based on the time, amount, or location of the trigger. A computer program product is also provided.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: NAVEEN G. YERI, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Bibhudatta Jena, Srihari Rao Gatpa, Li Wei, David Neil Joffe
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Publication number: 20130325707Abstract: Systems, methods and computer program products are provided for processing an automated bill payment. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Based on the account data triggers are detected indicating multiple payments to a plurality of service providers. The system determines from the account data a payment amount to be made to a service provider. The payment amount is periodically transferred from the user's general deposit account to a separate payment account. The payment amount is then periodically withdrawn from the payment account and sent to the service provider.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: David Joa, Timothy J. Bendel, Thayer S. Allison, JR., Yanghong Shao, David Neil Joffe, Naveen G. Yeri
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Publication number: 20130325946Abstract: Systems, methods and computer program products are provided for optimizing social networks. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Pluralities of networking opportunities are identified based on the account data. Furthermore, based on the account data triggers may be detected indicating a user's interest in one or more social networking opportunities. The system then offers the user, based at least partially on the detected trigger, the one or more social networking opportunities.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Thayer S. Allison, JR., Timothy J. Bendel, David Joa, Yanghong Shao, David Neil Joffe, Naveen G. Yeri
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Publication number: 20130325598Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for triggering offers based on financial information of one or more accounts of a financial institution customer. Triggers may be executed to monitor hardship trends. If a hardship is identified, the financial institution may present a hardship offer to the customer for assistance.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Inventors: Yanghong Shao, Timothy J. Bendel, David Joa, Naveen G. Yeri, Thayer S. Allison, JR., Deepak Verma, Bibhudatta Jena, Kunal Makin, Srihari Rao Gatpa, Jade Michelle Le Vo-Dinh, David Neil Joffe
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Publication number: 20130325713Abstract: Systems and methods for retaining users in their existing relationship with a financial institution are provided herein. Based on account data, comparisons of past and current transactional activity are made and a change in account usage is determined. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising one or more transactions occurring during a first period of time and a second trigger group comprising one or more transactions occurring during a second period of time are identified based on the account data; the first trigger group and the second trigger group are compared; and a decrease in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj, Srihari Rao Gatpa, Jade Michelle Le Vo-Dinh, David Neil Joffe
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Publication number: 20130325574Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for marketing service savings opportunities to a customer of one or more accounts of a financial institution. Triggers may be executed to monitor outbound transactions for services. The outbound transactions may be compared to a control. The financial institution may then determine a service savings opportunity offer to present to the customer.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: DAVID JOA, TIMOTHY J. BENDEL, THAYER S. ALLISON, JR., YANGHONG SHAO, DAVID NEIL JOFFE, NAVEEN G. YERI
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Publication number: 20130325697Abstract: Systems and methods for promoting policy education associated with one or more accounts of a financial institution are provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity subject to regulations based on the account data; and identifies triggers comprising account costs incurred by outbound transactions based on the account activity. The system then informs the user of institutional or governmental policy related to the triggers. In some situations, the system determines when a trigger indicates unavailable funds or that an account has gone to loss and informs the user of policy related to these accounts. In other situations, the system may also provide suggestions or alternatives to address these accounts.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: THAYER S. ALLISON, JR., TIMOTHY J. BENDEL, DAVID JOA, VIKAS MISHRA, YANGHONG SHAO, NAVEEN G. YERI, DAVID NEIL JOFFE
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Publication number: 20130325679Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods develop effective communication routines to aid in trigger delivery. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; patterns of account activity are determined based on the account activity; parameters associated with the patterns of activity are identified; and triggers are formed based on the pattern of account activity and parameters.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Naveen G. Yeri, Bibhudatta Jena, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj, Srihari Rao Gatpa, David Neil Joffe
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Publication number: 20130325716Abstract: Systems and methods for increasing transaction depth and account breadth are provided herein. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising a number of transactions occurring during a first period of time and a second trigger group comprising a number of transactions occurring during a second period of time based on the account data are identified based on the account data; the first trigger group and the second trigger group are compared; and an increase in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj, Srihari Rao Gatpa, David Neil Joffe
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Publication number: 20130325699Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial institution. Triggers may be executed to monitor financial account ratios. Offers may be triggered based on the account ratios or changes in the account ratios.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Srihari Rao Gatpa, Jade Michelle Le Vo-Dinh, David Neil Joffe
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Publication number: 20130325674Abstract: Systems and methods for monitoring trigger data quality are provided herein. The systems and methods detect and report whether the current trigger counts are normal or flawed in real time. The systems and methods monitor the triggers to determine the accuracy, completeness, domain of values, and format of the trigger data. In the system and methods, account data associated with the one or more accounts is received and stored in a storage device; the account data is segregated into one or more periods of time; triggers associated with the one or more periods of time are identified based on transactions that occur during the one or more periods of time; a total transaction count for each of the triggers is calculated; and control limits are determined based on the transaction count for each of the triggers.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Naveen G. Yeri, Bibhudatta Jena, Arya Kumar Vedabrata, Chandrashekar Katuri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj
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Publication number: 20130325698Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Yanghong Shao, Bibhudatta Jena, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Srihari Rao Gatpa, Naveen G. Yeri, Jade Michelle Le Vo-Dinh, Kunal Makin, David Neil Joffe
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Publication number: 20130325599Abstract: Systems and methods for reviewing accounts to enhance user relationships and prevent account loss are provided herein. In the systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj, Srihari Rao Gatpa, Li Wei, David Neil Joffe
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Patent number: 8583550Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial institution. Triggers may be executed to monitor financial account ratios. Offers may be triggered based on the account ratios or changes in the account ratios.Type: GrantFiled: June 1, 2012Date of Patent: November 12, 2013Assignee: Bank of America CorporationInventors: Naveen G Yeri, Timothy J Bendel, David Joa, Thayer S Allison, Jr., Deepak Verma, Yanghong Shao, Srihari Rao Gatpa, Jade Michelle Le Vo-Dinh, David Neil Joffe
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Patent number: 8577776Abstract: A data driven and forward looking risk and reward appetite methodology for consumer and small business is described. The methodology includes account level historical data collection for customers associated with accounts as part of a portfolio. The account level historical data is segmented into groups of customers with similar revenues and loss characteristics. Segmented data is decomposed into seasoning, vintage, and cycle effects. Statistical clusters are formed based upon the data and effects. A simulation is applied to the statistical clusters and prediction data is generated. A simulation strategy to forecast and simulate revenue and loss volatility is developed. Efficient frontier curves of risk (e.g., return volatility) and reward (e.g., expected return) are created for the current portfolio under various economic scenarios.Type: GrantFiled: September 14, 2012Date of Patent: November 5, 2013Assignee: Bank of America CorporationInventors: Agus Sudjianto, Michael Chorba, Daniel Hudson, Sandi Setiawan, Jocelyn Sikora, Harsh Singhal, Kiran Vuppu, Kaloyan Mihaylov, Jie Chen, Timothy J. Breault, Arun R. Pinto, Naveen G. Yeri, Benhong Zhang, Zhe Zhang, Tony Nobili, Hungien Wang, Aijun Zhang
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Publication number: 20130073481Abstract: A data driven and forward looking risk and reward appetite methodology for consumer and small business is described. The methodology includes account level historical data collection for customers associated with accounts as part of a portfolio. The account level historical data is segmented into groups of customers with similar revenues and loss characteristics. Segmented data is decomposed into seasoning, vintage, and cycle effects. Statistical clusters are formed based upon the data and effects. A simulation is applied to the statistical clusters and prediction data is generated. A simulation strategy to forecast and simulate revenue and loss volatility is developed. Efficient frontier curves of risk (e.g., return volatility) and reward (e.g., expected return) are created for the current portfolio under various economic scenarios.Type: ApplicationFiled: September 14, 2012Publication date: March 21, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Agus Sudjianto, Michael Chorba, Daniel Hudson, Sandi Setiawa, Jocelyn Sikora, Harsh Singhal, Kiran Vuppo, Kaloyan Mihaylov, Jie Chen, Timothy J. Breault, Arun R. Pinto, Naveen G. Yeri, Benhong Zhang, Zhe Zhang, Tony Nobili, Hungien Wang, Aijun Zhang