Patents Assigned to Branch Banking and Trust Company
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Patent number: 8442854Abstract: 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: December 6, 2012Date of Patent: May 14, 2013Assignee: Branch Banking and Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Publication number: 20130117048Abstract: 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: November 9, 2012Publication date: May 9, 2013Applicant: Branch Banking & Trust CompanyInventor: Branch Banking & Trust Company
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Publication number: 20130060607Abstract: 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: November 6, 2012Publication date: March 7, 2013Applicant: BRANCH BANKING & TRUST COMPANYInventor: Branch Banking & Trust Company
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Patent number: 8306850Abstract: 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: November 6, 2012Assignee: Branch Banking & Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Publication number: 20120053972Abstract: 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 21, 2011Publication date: March 1, 2012Applicant: Branch Banking & Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Publication number: 20120022917Abstract: 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 21, 2011Publication date: January 26, 2012Applicant: Branch Banking & Trust CompanyInventors: Robert Russell Lawton, Guenther Kurt Hartfeil
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Patent number: 8073755Abstract: The present disclosure describes novel methods that can be utilized to choose, set up, open, and/or manage an online account at a financial institution. The present disclosure addresses prior art problems of online account opening by describing methods for automating key aspects of the account opening process for customers such as tailoring the presentation of information to the online customer based at least in part on the customer's input, performing suitability checks for the customer based on online products chosen by the customer, presenting cross-sell products to the customer based on information known by the financial institution or currently received from the customer, and allowing a pending customer to complete the online application procedure in the absence of a confirmed identification of the online customer.Type: GrantFiled: November 13, 2009Date of Patent: December 6, 2011Assignee: Branch Banking & Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Patent number: 7690379Abstract: A pressure indicator for positive pressure protection masks, including powered air purifying respirators (PAPRs) that monitors and determines relative air pressure between the internal space of a protection mask and the ambient environment to alert users of negative or threshold level air pressure, and in turn, to ensure safe operation of the protection masks. The pressure indicator, which is incorporated in the mask, alerts users when the air pressure in the mask reaches a critical level by transmitting optical signals, auditory signals, vibrational signals or a combination thereof that are detectable by the user. The optical signals are projected into the user's line of vision either directly or through a head-up display. The pressure indicator may cause the signal to indicate a safe and danger mode, or may cause the signal to indicate only during a danger mode.Type: GrantFiled: June 1, 2004Date of Patent: April 6, 2010Assignee: Branch, Banking and Trust CompanyInventor: Otto Gossweiler
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Publication number: 20100076889Abstract: 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: September 16, 2009Publication date: March 25, 2010Applicant: Branch, Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20100070407Abstract: A method for interfacing with a financial institution using a computer interface is disclosed for on-line or E-Lending. 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: September 16, 2009Publication date: March 18, 2010Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Douglas Joe Zickafoose, Brian Newlin, Jennifer Weaver, Steven Picard
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Publication number: 20100057599Abstract: 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: ApplicationFiled: October 21, 2009Publication date: March 4, 2010Applicant: Branch Banking & Trust CompanyInventors: Lori Hall, Alicia Silla, Teresa Rose
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Publication number: 20100042533Abstract: 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: August 12, 2009Publication date: February 18, 2010Applicant: Branch Banking & Trust CompanyInventors: Teresa Rose, Lori Hall, Douglas Joel Zickafoose
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Publication number: 20100042542Abstract: 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: August 12, 2009Publication date: February 18, 2010Applicant: Branch, Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Patent number: 7624543Abstract: A portable decontamination system includes a preassembled shelter, convertible between a stowed configuration and a deployed configuration, and a fluid delivery system integral with the shelter. In the stowed configuration the shelter encloses a negligible volume. In the deployed configuration the shelter comprises a plurality of side walls, a plurality of end walls, and a roof. The walls and the roof define a central space. The fluid delivery system is configured to convey decontamination fluid into the shelter and to distribute decontamination fluid throughout at least a portion of the central space.Type: GrantFiled: September 29, 2006Date of Patent: December 1, 2009Assignee: Branch Banking and Trust CompanyInventors: Chad Sample, Richard A. Esser
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Patent number: 7620580Abstract: A system and method that can be utilized to choose, set up, open, and/or manage an online account at a financial institution. The system and method allows for the automating of key aspects of an account opening process for customers such as tailoring the presentation of information to the online customer based at least in part on the customer's input, performing suitability checks for the customer based on online products chosen by the customer, presenting cross-sell products to the customer based on information known by the financial institution or currently received from the customer, and allowing a pending customer to complete the online application procedure in the absence of a confirmed identification of the online customer.Type: GrantFiled: July 31, 2008Date of Patent: November 17, 2009Assignee: Branch Banking & Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose