Patents by Inventor Carrie Anne HANSON

Carrie Anne HANSON 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).

  • Publication number: 20190164227
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Application
    Filed: February 1, 2019
    Publication date: May 30, 2019
    Applicant: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10262372
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.
    Type: Grant
    Filed: June 11, 2018
    Date of Patent: April 16, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Patent number: 10249003
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Grant
    Filed: March 19, 2018
    Date of Patent: April 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10121142
    Abstract: Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.
    Type: Grant
    Filed: April 11, 2014
    Date of Patent: November 6, 2018
    Assignee: Bank of America Corporation
    Inventors: David M. Grigg, Richard Andrew Starbuck, Carrie Anne Hanson, Alicia C. Jones
  • Patent number: 10108991
    Abstract: Embodiments of the invention provide instant customer service feedback during a communication session with the customer. The system initiate a video conference communication session between the customer and the business agent that comprises providing a multimedia interface between the agent and the customer that provides the agent and the customer with an audio and video feedback of one another. After initiating the video conference communication session, a customer feedback interface configured to receive feedback from the customer in real-time during the video conference communication session is presented on the display of the customers apparatus such that the system may receive, in real-time, feedback provided by the customer via the customer feedback interface.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: October 23, 2018
    Assignee: Bank of America Corporation
    Inventors: Carrie Anne Hanson, Alicia C. Jones-McFadden, Craig Sobol, Brent Alan Shelkey, Kimberly Ya-chin Chang, Sarah Beth Gottfried, Wang Liang, Neha Rani Rathi, Anthony Scott Wong
  • Patent number: 10108952
    Abstract: Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.
    Type: Grant
    Filed: July 10, 2014
    Date of Patent: October 23, 2018
    Assignee: Bank of America Corporation
    Inventors: Carrie Anne Hanson, Sharon Scanlon, Davindar Gill, David M. Grigg
  • Publication number: 20180293657
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.
    Type: Application
    Filed: June 11, 2018
    Publication date: October 11, 2018
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Publication number: 20180293658
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.
    Type: Application
    Filed: June 11, 2018
    Publication date: October 11, 2018
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson
  • Patent number: 10074130
    Abstract: A computing platform may receive a plurality of messages comprising data indicating physical presence of customers of a financial institution at a physical banking center location of the financial institution from an indoor positioning system located at the physical banking center location of the financial institution. Responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, the computing platform may determine that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via an online-banking system of the financial institution.
    Type: Grant
    Filed: July 10, 2014
    Date of Patent: September 11, 2018
    Assignee: Bank of America Corporation
    Inventor: Carrie Anne Hanson
  • Patent number: 10049406
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: August 14, 2018
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10050962
    Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for function requiring authentication based on determining a location along an authentication continuum. The location along the authentication continuum defines the degree of authentication/credentials required to access the function and is determined based on a current state of the user and/or function attributes. The more or less that is known about the current state of the user the more or less likely the user is the user that is attempting to access the function and, thus, the authentication requirements required to access the function can be adjusted according (increased or decreased).
    Type: Grant
    Filed: October 30, 2015
    Date of Patent: August 14, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: David M. Grigg, Peter John Bertanzetti, Charles Jason Burrell, Carrie Anne Hanson, Joseph Neil Johansen, Michael E. Toth
  • Patent number: 10049195
    Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to predetermined boundaries of location that have altered authentication requirements, in the form of, increased or decreased authentication requirements/credentials that differ from the standard authentication requirements.
    Type: Grant
    Filed: February 4, 2016
    Date of Patent: August 14, 2018
    Assignee: Bank of America Corporation
    Inventors: David M. Grigg, Peter John Bertanzetti, Charles Jason Burrell, Carrie Anne Hanson, Joseph Neil Johansen, Michael E. Toth
  • Publication number: 20180211323
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Application
    Filed: March 19, 2018
    Publication date: July 26, 2018
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10032223
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: July 24, 2018
    Assignee: Bank of America Corporation
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson
  • Patent number: 10019760
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: July 10, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Patent number: 9971885
    Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to predetermined boundaries of location that have altered authentication requirements, in the form of, increased or decreased authentication requirements/credentials that differ from the standard authentication requirements.
    Type: Grant
    Filed: February 4, 2016
    Date of Patent: May 15, 2018
    Assignee: Bank of America Corporation
    Inventors: David M. Grigg, Peter John Bertanzetti, Charles Jason Burrell, Carrie Anne Hanson, Joseph Neil Johansen, Michael E. Toth
  • Patent number: 9965606
    Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on historical user patterns. Embodiments of the present invention may be configured to communicate code executable by a computing device that causes the computing device to monitor user patterns of a user based on the user interacting with the computing device; receive baseline user patterns to identify the user; identify, from the baseline user patterns, one or more routine actions performed by the user operating the computing device; receive a request to perform a transaction, wherein the transaction is associated with a level of security that must be authenticated; receive identification user patterns of the user based on the user interacting with the computing device; determine a threshold score based on comparing the identification user patterns with the baseline user patterns; and alter the level of security.
    Type: Grant
    Filed: October 30, 2015
    Date of Patent: May 8, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, Alicia C. Jones-McFadden, David M. Grigg, Peter John Bertanzetti, Michael E. Toth, Carrie Anne Hanson
  • Patent number: 9940409
    Abstract: This invention provides a contextual search tool to a user. The contextual search tool receives a search from the user and provides search results, content, and dynamic contextual information (e.g., dynamic contextual questions, user information, and account information) to the user. The contextual search tool then receives contextual information input from the user (input for the dynamic contextual information, selection of the search results, or the like) and updates the search results and the dynamic contextual information. As such, the invention of the present invention improves the ability of the contextual search tool to provide tailored, customized, and relevant search results to the user based not only on the search terms provided by the user, but based on dynamic contextual information that changes as the user takes actions within the contextual search interface.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: April 10, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Brent Alan Shelkey, Alicia C. Jones-McFadden, Craig Sobol, Carrie Anne Hanson, Ivory Assan, Shira Bauman, Matthew Hsieh, Shuangshuang Li, Gabriela Moreno Cesar
  • Patent number: 9922117
    Abstract: This invention provides a contextual search tool to a user. The contextual search tool receives a search from the user and provides search results, content, and dynamic contextual information (e.g., dynamic contextual questions, user information, and account information) to the user. The contextual search tool then receives contextual information input from the user with an indication that the user would like to communicate with an advisor, and a communication channel is opened between the user and the advisor. The advisor has access the user's search and provides contextual information input, which allows the contextual search tool to update the search results and the dynamic contextual information. As such, the invention of the present invention improves the ability of the contextual search tool to provide tailored, customized, and relevant search results to the user based in part on advisor input.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: March 20, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Carrie Anne Hanson, Alicia C. Jones-McFadden, Craig Sobol, Brent Alan Shelkey, Ivory Assan, Shira Bauman, Matthew Hsieh, Shuangshuang Li, Gabriela Moreno Cesar
  • Patent number: 9830660
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to receive health information of a user, wherein the health information comprises at least an age of the user and medical treatment history of the user. Based on the health information, the system determines a life expectancy of the user, and projected allocations of finances for health care of the user based on the health information and the life expectancy of the user. The system is further configured to receive retirement information of the user. Based on the health information and the financial information, the system determines a projected retirement score of the user. The system may communicate the projected retirement score of the user.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: November 28, 2017
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley