Patents Assigned to Branch Banking and Trust Company
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Publication number: 20160328803Abstract: An electronic receipt system may generate electronic documents including receipt content associated with a transaction between an account holder and a third party, and automatically link the electronic documents to secure records corresponding to account transaction records in a secure database. An account holder may subsequently view an electronic document including the receipt from a secure network platform displaying the secure records for multiple transactions in the account. In some aspects, the electronic receipt system may retrieve the receipt from an email message transmitted to an email address assigned to the account holder by the electronic receipt system. In other aspects, the electronic receipt may be retrieved using an application on a user device corresponding to the electronic receipt system.Type: ApplicationFiled: May 6, 2016Publication date: November 10, 2016Applicant: Branch Banking and Trust CompanyInventors: Matthew Whitley, Matthew Spriggs, Gopinath Rajagopal, Patricia Kinney, Seneca Meyer, Nixa Espinola
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Publication number: 20160294820Abstract: A personalized card may be generated using a card-personalization system accessible via multiple access points on a network. In some aspects, the personalized card may include a physical card having an image selected by a user in a card-personalization process. The user may be assigned a code that may both authenticate the user to access the card-personalization system and identify a position of the user in the card-personalization process. The card-personalization process may include a selection process for selecting an image, an approval process for approving the image, and a creation process for generating the personalized card including the image.Type: ApplicationFiled: April 1, 2016Publication date: October 6, 2016Applicant: Branch Banking and Trust CompanyInventors: Elliotte Douglas-Middleton, Nicole Riggs Mathes, Madhusadan Panda, Jennifer Kay Herring, Charles C. Lyttle, Alok Kumar
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Publication number: 20160275622Abstract: The present disclosure describes novel systems and methods for a customer to receive information and/or purchase a product or service while interacting with multiple vendors through a single contact/agency. The customer is able to communicate with the agency through a variety of communication modes. The agency adapts the customer's input as necessary to meet the requirements of the vendors and the agency returns information to the customer so that the customer can conveniently interact with the multiple vendors. The systems and methods allow for the customer to stop and restart the process at various points using any of the communication modes. The agency has the ability to present the customer with prospecting, sales, service, upgrades, cross-sells, and other pre- and post-purchase services at the single point-of-contact agency.Type: ApplicationFiled: May 31, 2016Publication date: September 22, 2016Applicant: Branch Banking and Trust CompanyInventors: Brandon Bradshaw, Kenneth Gray Nester, II, Gregory Velett, Patricia M. Kinney
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Publication number: 20160260167Abstract: A system and method for a business customer interfacing with a financial institution through a computer network is presented. The method includes a determination of whether the customer is an on-line client of the financial institution, a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of whether the customer is a sole proprietorship, 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 client 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: May 12, 2016Publication date: September 8, 2016Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Lori Hall, Douglas Joel Zickafoose
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Publication number: 20160247236Abstract: The present disclosure describes novel systems and methods for a customer to receive information and/or purchase a product or service while interacting with multiple vendors through a single contact/agency. The customer is able to communicate with the agency through a variety of communication modes. The agency adapts the customer's input as necessary to meet the requirements of the vendors and the agency returns information to the customer so that the customer can conveniently interact with the multiple vendors. The systems and methods allow for the customer to stop and restart the process at various points using any of the communication modes. The agency has the ability to present the customer with prospecting, sales, service, upgrades, cross-sells, and other pre- and post-purchase services at the single point-of-contact agency.Type: ApplicationFiled: May 4, 2016Publication date: August 25, 2016Applicant: Branch Banking and Trust CompanyInventors: Brandon Bradshaw, Kenneth Gray Nester, II, Gregory Velett, Patricia M. Kinney
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Publication number: 20160125531Abstract: A method for interfacing with a financial institution using a computer interface is disclosed for on-line or E-Lending. A customer selects a lending product on the website of a financial institution. The financial institution receives information to authenticate the customer, and receives additional information related to the financial history and lending needs from the customer. The terms and conditions related to the lending product are presented to the customer and an authorization to an application is received from the customer. A risk analysis is performed using information received from the customer and the application of the loan is subject to approval based at least in part on the risk analysis. The third set of information related to insurance, disclosures, etc is received from the customer and a fourth set of information related to the closing information is provided back to the customer. The loan may be further closed on-line or with an attorney or agent.Type: ApplicationFiled: January 12, 2016Publication date: May 5, 2016Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20150332392Abstract: 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: July 23, 2015Publication date: November 19, 2015Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20150302437Abstract: 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: July 2, 2015Publication date: October 22, 2015Applicant: Branch Banking and Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Publication number: 20150294281Abstract: 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: June 25, 2015Publication date: October 15, 2015Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, PaaI Kaperdal, Douglas Joel Zickafoose
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Publication number: 20150258454Abstract: 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: ApplicationFiled: March 13, 2015Publication date: September 17, 2015Applicants: Branch Banking and Trust Company, Chaotic Moon, LLCInventors: Kelly King, David J. Ballard, Michael M. Hall, Chance D. Ivey, Matthew J. Sanders
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Publication number: 20150235311Abstract: A system and method of electronically perfecting a premium finance agreement (PFA) includes receiving data associated with an agent, the agent representing a potential insured; receiving data from the agent corresponding to at least a down payment for the PFA by the insured; providing the agent with the ability to electronically sign the PFA; and generating an email message to the insured, the email message corresponding with the PFA and the down payment. The system and method also include receiving bank account data associated with the insured; displaying a confirmation of the down payment amount that will be deducted from the bank account; providing a person authorized by the insured the ability to electronically sign the PFA; and electronically debiting the bank account for at least the down payment amount.Type: ApplicationFiled: May 4, 2015Publication date: August 20, 2015Applicant: Branch Banking and Trust CompanyInventor: Michael R. Pappas
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Publication number: 20140310158Abstract: A system and method of electronically perfecting a premium finance agreement (PFA) includes receiving data associated with an agent, the agent representing a potential insured; receiving data from the agent corresponding to at least a down payment for the PFA by the insured; providing the agent with the ability to electronically sign the PFA; and generating an email message to the insured, the email message corresponding with the PFA and the down payment. The system and method also include receiving bank account data associated with the insured; displaying a confirmation of the down payment amount that will be deducted from the bank account; providing a person authorized by the insured the ability to electronically sign the PFA; and electronically debiting the bank account for at least the down payment amount.Type: ApplicationFiled: June 27, 2014Publication date: October 16, 2014Applicant: BRANCH BANKING AND TRUST COMPANYInventor: Michael R. Pappas
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Patent number: 8825514Abstract: 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: GrantFiled: May 14, 2013Date of Patent: September 2, 2014Assignee: Branch Banking and Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Patent number: 8756096Abstract: 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: GrantFiled: May 14, 2013Date of Patent: June 17, 2014Assignee: Branch Banking & Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Patent number: 8738488Abstract: A method for a business 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: GrantFiled: October 21, 2009Date of Patent: May 27, 2014Assignee: Branch Banking & Trust CompanyInventors: Lori Hall, Alicia Silla, Teresa Rose
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Publication number: 20130339066Abstract: The present disclosure describes novel systems and methods for a customer to receive information and/or purchase a product or service while interacting with multiple vendors through a single contact/agency. The customer is able to communicate with the agency through a variety of communication modes. The agency adapts the customer's input as necessary to meet the requirements of the vendors and the agency returns information to the customer so that the customer can conveniently interact with the multiple vendors. The systems and methods allow for the customer to stop and restart the process at various points using any of the communication modes. The agency has the ability to present the customer with prospecting, sales, service, upgrades, cross-sells, and other pre- and post-purchase services at the single point-of-contact agency.Type: ApplicationFiled: August 22, 2013Publication date: December 19, 2013Applicant: Branch Banking & Trust CompanyInventors: Brandon Bradshaw, Kenneth Gray Nester, II, Gregory Velett, Patricia M. Kinney
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Patent number: 8612339Abstract: A system and method for a business customer interfacing with a financial institution through a computer network is presented. The method includes a determination of whether the customer is an on-line client of the financial institution, a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of whether the customer is a sole proprietorship, 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 client in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.Type: GrantFiled: August 12, 2009Date of Patent: December 17, 2013Assignee: Branch Banking & Trust CompanyInventors: Teresa Rose, Lori Hall, Douglas Joel Zickafoose
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Publication number: 20130282439Abstract: 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: May 29, 2013Publication date: October 24, 2013Applicant: Branch Banking and Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Patent number: 8504409Abstract: 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: GrantFiled: July 21, 2011Date of Patent: August 6, 2013Assignee: Branch Banking & Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Patent number: 8473328Abstract: 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: GrantFiled: November 6, 2012Date of Patent: June 25, 2013Assignee: Branch Banking & Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil