Patents Assigned to Branch Banking and Trust Company
-
Patent number: 10069824Abstract: A biometric authentication system may include a centralized database including stored biometric signature information for authenticating a user of one or more external systems. The biometric authentication system may extract data attributes from a biometric signature of the user and compare them to the stored biometric signature information in the database. The biometric authentication system may identify user identifier information associated with a signature key stored of the stored biometric signature information that matches the data attributes to authenticate the user to access secure information.Type: GrantFiled: May 12, 2016Date of Patent: September 4, 2018Assignee: Branch Banking and Trust CompanyInventor: Michael Anthony Dascola
-
Patent number: 10055605Abstract: A method of the present disclosure includes a host system authenticating a user of the user device to access secure host information associated with the user in a database. A request may be transmitted to a third-party system to access secure third-party information stored by the third party based on third-party authentication information. The host system may receive the secure third-party information and store the secure third-party information in a memory location of the database that is associated with a different memory location including the secure host information. The memory location and the different memory location may be associated in the database based on a common information type. The host system may generate a graphical user interface that positions the secure host information and the secure third-party information in the graphical user interface based on their respective location in the database.Type: GrantFiled: October 4, 2016Date of Patent: August 21, 2018Assignee: Branch Banking and Trust CompanyInventors: Candice Roberts, Alisha Belk, Bhavani Konuru
-
Patent number: 9931574Abstract: The present disclosure describes novel systems and methods for teaching and exercising leadership skills and strategies including the use of a narrative-driven role playing game.Type: GrantFiled: March 13, 2015Date of Patent: April 3, 2018Assignees: Branch Banking and Trust Company, Chaotic Moon, LLCInventors: Kelly King, David J. Ballard, Michael M. Hall, Chance D. Ivey, Matthew J. Sanders
-
Patent number: 9923858Abstract: Examples of systems and methods for processing email bounceback messages are disclosed. One disclosed method includes the steps of receiving a bounceback email message, determining a classification for the bounceback email message, determining a corrective action for the bounceback email message based on the classification, and executing the corrective action. In another example, program code for performing such a method is encoded on a non-transitory computer-readable media.Type: GrantFiled: October 31, 2014Date of Patent: March 20, 2018Assignee: Branch Banking and Trust CompanyInventors: Deborah Taylor Faulkner, Judith Ann Collin, James Nathan Schwartz
-
Publication number: 20180075528Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.Type: ApplicationFiled: November 14, 2017Publication date: March 15, 2018Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
-
Patent number: 9916342Abstract: The present disclosure describes systems and methods for managing and implementing an asset license reclamation program across a network. The status of an asset, such as computer software, is automatically determined and if the asset does not meet particular use criteria, the asset may be flagged for reclamation and/or redeployment, either within the same network segment or in a separate network segment.Type: GrantFiled: April 1, 2013Date of Patent: March 13, 2018Assignee: Branch Banking and Trust CompanyInventors: Chris Bishop, Jason Pedone
-
Publication number: 20180053164Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes an early warning evaluation of the customer and/or entities associated with the customer to identify fraudster/abusers and prevent them from opening online accounts at the financial institution.Type: ApplicationFiled: October 31, 2017Publication date: February 22, 2018Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
-
Publication number: 20170139659Abstract: A device identifier for a user device may be identified from multiple device identifiers corresponding to multiple user devices. The device identifier is stored in a database in a memory location of a first set of memory locations including the device identifiers. The memory location may be associated with a separate memory location including a user identifier corresponding to the user. Application information is retrieved for web-based applications and stored in a second set of memory locations associated with the memory location including the device identifier. Customization information is retrieved for the web-based applications. The customization information includes location information for the web-based applications and corresponding secure information. A request for the secure information may be made to different systems and corresponding databases including the secure user information.Type: ApplicationFiled: November 18, 2016Publication date: May 18, 2017Applicant: Branch Banking and Trust CompanyInventors: Matthew T. Spriggs, Michael Shade, Michael Anthony Dascola, Matthew Whitley, Patricia Kinney
-
Publication number: 20170099294Abstract: A method of the present disclosure includes a host system authenticating a user of the user device to access secure host information associated with the user in a database. A request may be transmitted to a third-party system to access secure third-party information stored by the third party based on third-party authentication information. The host system may receive the secure third-party information and store the secure third-party information in a memory location of the database that is associated with a different memory location including the secure host information. The memory location and the different memory location may be associated in the database based on a common information type. The host system may generate a graphical user interface that positions the secure host information and the secure third-party information in the graphical user interface based on their respective location in the database.Type: ApplicationFiled: October 4, 2016Publication date: April 6, 2017Applicant: Branch Banking and Trust CompanyInventors: Candice Roberts, Alisha Belk, Bhavani Konuru
-
Publication number: 20170069023Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.Type: ApplicationFiled: November 16, 2016Publication date: March 9, 2017Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, PaaI Kaperdal, Douglas Joel Zickafoose
-
Publication number: 20160366128Abstract: A biometric authentication system may include a centralized database including stored biometric signature information for authenticating a user of one or more external systems. The biometric authentication system may extract data attributes from a biometric signature of the user and compare them to the stored biometric signature information in the database. The biometric authentication system may identify user identifier information associated with a signature key stored of the stored biometric signature information that matches the data attributes to authenticate the user to access secure information.Type: ApplicationFiled: May 12, 2016Publication date: December 15, 2016Applicant: Branch Banking and Trust CompanyInventor: Michael Anthony Dascola
-
Publication number: 20160358194Abstract: The present disclosure describes novel systems and methods that can be utilized to evaluate and/or direct an interaction with a consumer database and/or evaluate a consumer database, where the consumer database contains information about consumers and particular products and/or services held or used by the consumers. The interactions may be, for example, determining a strategy for sales, marketing, cross-selling, and/or retaining one or more of the consumers. The evaluations may include, for example, hierarchically ranking the consumers and/or determining a clustering of the consumers.Type: ApplicationFiled: August 16, 2016Publication date: December 8, 2016Applicant: Branch Banking and Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
-
Publication number: 20160350723Abstract: An integration system may be communicatively coupled to resource systems, including a user-information system and a provider-information system. The integration system may determine, based on geographical information from the user a list of available agents of a provider of an account held by the user. The integration system may select a point-of-contact from the list of available agents and authorize the point-of-contact to access secure information associated with the account. The integration system may also authorize the user to access secure information associated with the provider, including contact information and availability information.Type: ApplicationFiled: May 31, 2016Publication date: December 1, 2016Applicant: Branch Banking and Trust CompanyInventors: Matthew T. Spriggs, Michael Shade, Patricia Kinney
-
Publication number: 20160352524Abstract: An authentication system may receive a request signature corresponding to a user request to view secure user information on a user device and generate a server-side signature matching the request signature to authenticate the user device to receive the secure user information without authenticating the user. The request signature may include a device identifier corresponding to the device, a token code generated by the authentication system and stored by the user device, a timestamp corresponding to the transmission time of the request signature, and a version of the device identifier, the token code, and the timestamp encrypted using a signature key provided to the user device by the authentication system. The authentication system may generate the server-side signature using the timestamp and stored copies of the device identifier, the token code, and the signature key.Type: ApplicationFiled: June 1, 2016Publication date: December 1, 2016Applicant: Branch Banking and Trust CompanyInventors: Patricia Kinney, Sumit Deshpande, Matthew Whitley, Gopinath Rajagopal, Michael Anthony Dascola, Satya Acharya, Angela Taylor
-
Publication number: 20160335638Abstract: A transmission pairing system may include a transmission pairing stored in a secure database. The system may generate a transmission pairing by receiving a selection of a destination for the secure information from the secure database and determining a transmission type corresponding to the selected destination. The system may populate a list of available sources of the secure information based on the transmission type. A selected source may be received and paired with the selected destination to generate the transmission pairing. The transmission pairing may be used to initiate an electronic transmission based on a parameter that is modifiable to determine the secure information transmitted from the source to the destination.Type: ApplicationFiled: May 13, 2016Publication date: November 17, 2016Applicant: Branch Banking and Trust CompanyInventors: Dan Mauney, Lee Ratcliffe, JR., Matthew Whitley
-
Patent number: D794069Type: GrantFiled: August 26, 2015Date of Patent: August 8, 2017Assignee: Branch Banking and Trust CompanyInventor: Michael Anthony Dascola
-
Patent number: D798901Type: GrantFiled: August 25, 2015Date of Patent: October 3, 2017Assignee: Branch Banking and Trust CompanyInventors: Angela Taylor, Matthew T. Spriggs, Michael Dascola, Michael Shade
-
Patent number: D800746Type: GrantFiled: August 25, 2015Date of Patent: October 24, 2017Assignee: Branch Banking and Trust CompanyInventors: Michael Anthony Dascola, Christopher Pearce, Matthew T. Spriggs
-
Patent number: D805525Type: GrantFiled: March 22, 2016Date of Patent: December 19, 2017Assignee: Branch Banking and Trust CompanyInventors: Michael A. Dascola, Dan Mauney, Seneca Meyer, Matthew Spriggs, Liheng Zhu
-
Patent number: D834606Type: GrantFiled: September 15, 2017Date of Patent: November 27, 2018Assignee: Branch Banking and Trust CompanyInventors: Michael Anthony Dascola, Christopher Pearce, Matthew T. Spriggs