Patents by Inventor David Joa
David Joa 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: 20140257932Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assigning a user to a user segment. In some embodiments, a system is configured to: receive transaction data associated with a user; analyze the transaction data; identify a user segment based on the analysis of the transaction data; and assign a user to the user segment.Type: ApplicationFiled: March 5, 2013Publication date: September 11, 2014Applicant: Bank of America CorporationInventors: David Joa, Timothy J. Bendel
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Publication number: 20140258023Abstract: A system may include a processor coupled to a memory. The processor is capable of determining a first goal adjustment based at least in part upon inflow information, outflow information, financial information, product information, and a customer goal. The processor is also operable to determine a second goal adjustment based at least in part upon inflow information, outflow information, financial information, product information, and a customer goal. Finally, the processor is operable to communicate the first goal adjustment and the second goal adjustment, using a network interface, to the customer.Type: ApplicationFiled: March 11, 2013Publication date: September 11, 2014Applicant: Bank of America CorporationInventors: David Joa, Timothy J. Bendel
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Publication number: 20140244482Abstract: A method of one embodiment facilitates the updating of account information. First account information associated with a payment account of a user is received by an interface, and the first account information is stored by a memory. Payee system information associated with a payee system, wherein the payee system stores one or more portions of the first account information, is also received by the interface and stored by the memory. A processor automatically determines that an update event has occurred, the update event associated with updated information comprising one or more updated values for one or more respective portions of the first account information, wherein at least a portion of the first account information stored on the payee system changes based on the update event. In response to automatically determining that the update event has occurred, the interface automatically communicates a payee update message comprising the updated account information.Type: ApplicationFiled: February 26, 2013Publication date: August 28, 2014Applicant: Bank of America CorporationInventors: David Joa, Timothy J. Bendel
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Publication number: 20140236794Abstract: Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.Type: ApplicationFiled: April 30, 2014Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Mark Krein, Debashis Ghosh, Thayer Allison, JR., Kurt Newman, Yanghong Shao, Sudeshna Banerjee, David Joa
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Patent number: 8805730Abstract: Systems and methods for monitoring trigger data quality are provided herein. The systems and methods detect and report whether the current trigger counts are normal or flawed in real time. The systems and methods monitor the triggers to determine the accuracy, completeness, domain of values, and format of the trigger data. In the system and methods, account data associated with the one or more accounts is received and stored in a storage device; the account data is segregated into one or more periods of time; triggers associated with the one or more periods of time are identified based on transactions that occur during the one or more periods of time; a total transaction count for each of the triggers is calculated; and control limits are determined based on the transaction count for each of the triggers.Type: GrantFiled: June 1, 2012Date of Patent: August 12, 2014Assignee: Bank of America CorporationInventors: Naveen G. Yeri, Bibhudatta Jena, Arya Kumar Vedabrata, Chandrashekar Katuri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, Jr., Deepak Verma, Yanghong Shao, Parul Bajaj
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Patent number: 8805937Abstract: A system and method for electronic mail analysis and processing is disclosed. In one embodiment, the method includes receiving a plurality of electronic mail messages. The method also includes for each of the plurality of electronic mail messages, determining one or more characteristics associated with the respective electronic mail message. Further, the method includes assigning a numerical value to each of the plurality of electronic mail messages based on the determined characteristics and based on the assigned numerical values, selecting one or more of the plurality of electronic mail messages to transmit to a user. The method further includes generating a message based on the selected one or more of the plurality of electronic mail messages and transmitting the generated message to the user.Type: GrantFiled: June 28, 2010Date of Patent: August 12, 2014Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Debashis Ghosh, David Joa, Kurt D. Newman
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Publication number: 20140164089Abstract: A method of one embodiment facilitates the evaluation of reward choices. A plurality of reward parameters are received by an interface, each reward parameter associated with a user account of a user, and the plurality of reward parameters are stored by a memory. The interface receives information associated with a seller. A processor then automatically selects a user account based on the plurality of reward parameters and the information associated with the seller, and the interface communicates information indicating the selected user account.Type: ApplicationFiled: December 7, 2012Publication date: June 12, 2014Applicant: Bank of America CorporationInventors: David Joa, Timothy J. Bendel, Yanghong Shao, Thayer S. Allison, JR.
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Patent number: 8751342Abstract: Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.Type: GrantFiled: January 5, 2010Date of Patent: June 10, 2014Assignee: Bank of America CorporationInventors: Mark Krein, Debashis Ghosh, Thayer Allison, Kurt Newman, Yanghong Shao, Sudeshna Banerjee, David Joa
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Patent number: 8749347Abstract: Embodiments of the present invention relate to systems and methods for authenticating the identity of an authorized custodian of a physical item and activating a tracking device concealed in the physical item in the event the item is removed from a controlled area or accessed by an unauthorized individual. In particular, according to some embodiments, the identity of an authorized custodian of a physical item stored in a controlled area is authenticated by: recording an image of an iris of the authorized custodian in a database; capturing an image of an iris of an individual attempting to remove the physical item from the controlled area; and verifying, prior to allowing removal of the physical item, that the captured image of the iris of the individual attempting to the physical item matches the recorded image of the iris of the authorized custodian.Type: GrantFiled: January 29, 2009Date of Patent: June 10, 2014Assignee: Bank of America CorporationInventors: Kurt D. Newman, Michael J. O'Hagan, Debashis Ghosh, David Joa, Timothy J. Bendel
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Patent number: 8693737Abstract: Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer has a plurality of accounts at a financial entity. Information of a selected account to make the purchase may be received. Sufficient funds in the selected account to make the purchase may be determined. If insufficient, a different account may be identified to make the purchase. Sufficient funds in the different accounts may be determined and funds in the different accounts may be decreased by the associated payment amount.Type: GrantFiled: September 30, 2008Date of Patent: April 8, 2014Assignee: Bank of America CorporationInventors: Kurt D. Newman, Debashish Ghosh, David Joa, Timothy J. Bendel, Michael James O'Hagan, Mayur Chheda
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Patent number: 8688578Abstract: The business community hub application provides a business customer the ability to add an event or offer to the community hub that can be accessed by individual customers or business customers. The business community hub application also notifies business customers of offers provided by other businesses or about local community events in which the business customer may be interested. The business customers have the ability to find contacts and network with other local businesses. The business community hub application also uses transaction information available to the bank to display market data and trends that may be of interest to the business customer. In this way, the business community hub works with the online banking application as a tool for local businesses, it allows business customers to interact with individual customers, the community in general, as well as other businesses, in a forum for exchanging products, services, and information.Type: GrantFiled: February 26, 2010Date of Patent: April 1, 2014Assignee: Bank of America CorporationInventors: Srinath Nagarajan, Timothy James Mark, David Joa, Kurt D. Newman
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Patent number: 8688572Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event.Type: GrantFiled: June 1, 2012Date of Patent: April 1, 2014Assignee: Bank of America CorporationInventors: Yanghong Shao, Bibhudatta Jena, Timothy J Bendel, David Joa, Vikas Mishra, Thayer S Allison, Jr., Deepak Verma, Srihari Rao Gatpa, Naveen G Yeri, Jade Michelle Le Vo-Dinh, Kunal Makin, David Neil Joffe
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Patent number: 8682785Abstract: Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.Type: GrantFiled: October 30, 2008Date of Patent: March 25, 2014Assignee: Bank of America CorporationInventors: Debashis Ghosh, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark V. Krein
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Patent number: 8645245Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.Type: GrantFiled: July 30, 2010Date of Patent: February 4, 2014Assignee: Bank of America CorporationInventors: Debashis Ghosh, Yanghong Shao, David Joa, Kurt Newman, Sudeshna Banerjee, Thayer Allison, Arun Pinto, Preston Wesley Ports, III, Mark Krein
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Patent number: 8645264Abstract: Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.Type: GrantFiled: October 23, 2008Date of Patent: February 4, 2014Assignee: Bank of America CorporationInventors: Thayer Allison, Robert Caruso, Sudeshna Banerjee, Debashis Ghosh, Kurt Newman, David Joa, Arun Pinto, Yanghong Shao
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Publication number: 20130325679Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods develop effective communication routines to aid in trigger delivery. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; patterns of account activity are determined based on the account activity; parameters associated with the patterns of activity are identified; and triggers are formed based on the pattern of account activity and parameters.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Naveen G. Yeri, Bibhudatta Jena, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj, Srihari Rao Gatpa, David Neil Joffe
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Publication number: 20130325598Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for triggering offers based on financial information of one or more accounts of a financial institution customer. Triggers may be executed to monitor hardship trends. If a hardship is identified, the financial institution may present a hardship offer to the customer for assistance.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Inventors: Yanghong Shao, Timothy J. Bendel, David Joa, Naveen G. Yeri, Thayer S. Allison, JR., Deepak Verma, Bibhudatta Jena, Kunal Makin, Srihari Rao Gatpa, Jade Michelle Le Vo-Dinh, David Neil Joffe
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Publication number: 20130325599Abstract: Systems and methods for reviewing accounts to enhance user relationships and prevent account loss are provided herein. In the systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Parul Bajaj, Srihari Rao Gatpa, Li Wei, David Neil Joffe
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Publication number: 20130325707Abstract: Systems, methods and computer program products are provided for processing an automated bill payment. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Based on the account data triggers are detected indicating multiple payments to a plurality of service providers. The system determines from the account data a payment amount to be made to a service provider. The payment amount is periodically transferred from the user's general deposit account to a separate payment account. The payment amount is then periodically withdrawn from the payment account and sent to the service provider.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: David Joa, Timothy J. Bendel, Thayer S. Allison, JR., Yanghong Shao, David Neil Joffe, Naveen G. Yeri
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Publication number: 20130325574Abstract: Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for marketing service savings opportunities to a customer of one or more accounts of a financial institution. Triggers may be executed to monitor outbound transactions for services. The outbound transactions may be compared to a control. The financial institution may then determine a service savings opportunity offer to present to the customer.Type: ApplicationFiled: June 1, 2012Publication date: December 5, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: DAVID JOA, TIMOTHY J. BENDEL, THAYER S. ALLISON, JR., YANGHONG SHAO, DAVID NEIL JOFFE, NAVEEN G. YERI