Patents by Inventor Bonnie Henry
Bonnie Henry 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: 20240029152Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.Type: ApplicationFiled: October 4, 2023Publication date: January 25, 2024Applicant: Capital One Services, LLCInventors: Christopher TAYLOR, Kelly CRAVENS, Nina MAKAN, Vivek SIMKHADA, Lun ZHANG, Bonnie HENRY, Patricia GRAZIOSE
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Patent number: 11783411Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.Type: GrantFiled: June 30, 2021Date of Patent: October 10, 2023Assignee: Capital One Services, LLCInventors: Christopher Taylor, Kelly Cravens, Nina Makan, Vivek Simkhada, Lun Zhang, Bonnie Henry, Patricia Graziose
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Publication number: 20210383465Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.Type: ApplicationFiled: June 30, 2021Publication date: December 9, 2021Applicant: Capital One Services, LLCInventors: Christopher TAYLOR, Kelly CRAVENS, Nina MAKAN, Vivek SIMKHADA, Lun ZHANG, Bonnie HENRY, Patricia GRAZIOSE
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Patent number: 11080781Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.Type: GrantFiled: December 9, 2019Date of Patent: August 3, 2021Assignee: Capital One Services, LLCInventors: Christopher Taylor, Kelly Cravens, Nina Makan, Vivek Simkhada, Lun Zhang, Bonnie Henry, Patricia Graziose
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Publication number: 20200357048Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.Type: ApplicationFiled: December 9, 2019Publication date: November 12, 2020Applicant: Capital One Services, LLCInventors: Christopher TAYLOR, Kelly CRAVENS, Nina MAKAN, Vivek SIMKHADA, Lun ZHANG, Bonnie HENRY, Patricia GRAZIOSE
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Patent number: 10540714Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.Type: GrantFiled: May 10, 2019Date of Patent: January 21, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Christopher Taylor, Kelly Cravens, Nina Makan, Vivek Simkhada, Lun Zhang, Bonnie Henry, Patricia Graziose