Patents by Inventor Elizabeth S. Votaw
Elizabeth S. Votaw 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: 20130006705Abstract: Aspects of the disclosure relate to systems and methods for electronically displaying an indication of customer spending associated with a pre-determined business location. The method includes using a receiver to receive an electronic request. The request authorizes retrieval of customer spend information associated with the location. The customer spend information may be based on customer credit, debit and/or check transactions. The customer spend information includes a plurality of customer spend data points. The method further includes using the receiver to receive an electronic selection of a limitation of the distance from the pre-determined business location. The limitation may limit the retrieval of customer spend information to a radius corresponding to the limitation.Type: ApplicationFiled: September 22, 2011Publication date: January 3, 2013Applicant: Bank of AmericaInventors: Elizabeth S. Votaw, Charles D. Andrews, Charles W. Reed, Aaron R. Leinker
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Publication number: 20130005253Abstract: Embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. In some embodiments, a method is provided that includes: (a) initiating, by a user, a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based on the transaction information.Type: ApplicationFiled: September 11, 2012Publication date: January 3, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Elizabeth S. Votaw, Alicia C. Jones, Patrick Brian Kelly, Cindy Elizabeth Kerber, Marc B. Keller
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Publication number: 20120221446Abstract: In general, embodiments of the present invention concern the collection and management of a consumer's detailed receipt information in electronic form and the storage of the electronic receipts in a platform accessible to the consumer online or through the consumer's mobile device.Type: ApplicationFiled: February 28, 2011Publication date: August 30, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Carrie Anne Hanson, Cindy Kerber, Elizabeth S. Votaw
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Publication number: 20120197794Abstract: The present invention provides embodiments of a shared account system that allows a primary user to add one or more dependent users to one or more accounts of the primary user in order to control and monitor the transactions made by a dependent user using a shared payment system. The primary user can set preferences, including spending limits, specific time frames within which the dependent user can make a purchase, or restrictions on transactions made at a store or for a product. The shared payment system may be a shared mobile wallet, such as a smartphone or PDA, which allows a user to enter into transactions. The shared mobile wallet allows the dependent user to make a purchase at a store or over a network by transmitting through a connection between the shared payment system and the merchant systems used to make the transaction.Type: ApplicationFiled: January 31, 2011Publication date: August 2, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Alicia C. Jones, Marc B. Keller, Patrick Brian Kelly, Elizabeth S. Votaw
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Publication number: 20120197798Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM authentications on a mobile device and for completing those pending ATM authentications at an ATM.Type: ApplicationFiled: January 31, 2011Publication date: August 2, 2012Applicant: BANK OF AMERICAN CORPORATIONInventors: David M. Grigg, Elizabeth S. Votaw, Alicia C. Jones, Patrick Brian Kelly, Cindy Elizabeth Kerber, Marc B. Keller
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Publication number: 20120196586Abstract: In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like.Type: ApplicationFiled: January 31, 2011Publication date: August 2, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Elizabeth S. Votaw, Alicia C. Jones, Patrick Brian Kelly, Marc B. Keller
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Publication number: 20120197797Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM.Type: ApplicationFiled: January 31, 2011Publication date: August 2, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Elizabeth S. Votaw, Alicia C. Jones, Patrick Brian Kelly, Cindy Elizabeth Kerber, Marc B. Keller
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Publication number: 20120197773Abstract: Various embodiments include a position-based budgeting system that uses the location of a consumer's mobile device relative to one or more merchants to determine relevant budget information to communicate to the consumer's mobile device. For example, when the consumer and his or her mobile device approach or enter a coffee shop, a budget account name and budget information (e.g., how much has been spent for the month and how much is left in the budget) associated with coffee shop purchases is displayed on the consumer's mobile device. The system may also be configured to display gift card balances associated with a particular merchant when the consumer approaches or enters the merchant's store.Type: ApplicationFiled: January 31, 2011Publication date: August 2, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Elizabeth S. Votaw
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Publication number: 20120023017Abstract: Systems and methods for recognizing a check deposit received in a self-service financial transaction device are described. A check is received from a customer associated with an entity for deposit into an account of the entity. Upon determining a that an amount of the check received for deposit cannot be determined from a scanned image of the check, deposit transaction data for the customer is collected and analyzed, including the frequency and timing of the customer's previous check deposits, the amount of the customer's previous check deposits, the payor of such deposits, etc., to predict the amount of the currently received check.Type: ApplicationFiled: July 22, 2010Publication date: January 26, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, James J. Siekman
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Publication number: 20110320294Abstract: A system and method that assists a customer with budgeting includes receiving, at a processor, customer input indicating the customer's desire to create one or more budgeting accounts each defined to correspond with one or more items included in a customer spending budget. The method also includes receiving, at a processor, customer input regarding one or more rules corresponding to the one or more budgeting accounts. The rules, in various embodiments, include one or more funding rules configured to provide parameters for dictating credits for one or more budgeting accounts and/or one or more withdrawal rules configured to provide parameters for dictating debits for one or more budgeting accounts. The method also includes creating, using a processor, one or more budgeting accounts based at least in part on the received customer input. In some embodiments, a processing device applies the rules during a transaction and updates the one or more budgeting accounts.Type: ApplicationFiled: June 23, 2010Publication date: December 29, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Christopher Thomas Guess, Raymond Guy Johns
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Publication number: 20110313923Abstract: Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) prompting, via a user interface associated with the self-service machine, the user to submit a request, where the request is to receive, at a mobile device accessible to the user, a communication regarding the problem; (c) receive the request via the user interface; and/or (d) send the communication regarding the problem to the mobile device accessible to the user.Type: ApplicationFiled: June 21, 2010Publication date: December 22, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Matthew A. Calman, Hendrick Helton Ellis
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Publication number: 20110309137Abstract: Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) presenting, to the user via a user interface associated with the self-service machine, a code based at least partially on the determining that the problem occurred; (c) receiving the code from the user; and/or (d) initiating a claim for the user based at least partially on the receiving the code from the user, where the claim relates to the problem.Type: ApplicationFiled: June 21, 2010Publication date: December 22, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Matthew A. Calman, Hendrick Helton Ellis
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Publication number: 20110270773Abstract: Embodiments of the present invention provide a home maintenance recommendation tool that is incorporated into a user's online financial account. The home maintenance recommendation tool, generally provides a user the ability to review, edit, submit, and track home maintenance repairs needed on the one or more properties owned by the user. The home maintenance recommendation tool receives information related to repairs that the property might need through information that is captured when the mortgage is originated, purchased, or serviced, or through purchases made by the user at a business using certain financial accounts. The home maintenance recommendation tool also provides the user the ability to search, identify, receive, and purchase products and services needed to make the suggested repairs through businesses that are strategic partners with the financial institution using the user's online financial account.Type: ApplicationFiled: April 30, 2010Publication date: November 3, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: James Siekman, Elizabeth S. Votaw, Marc Mathies
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Publication number: 20110246614Abstract: A computer system interacts with a mobile device to support the needs of remote users and may leverage e-ink technology so that a mobile user can access, manage and read documents without being tethered. The mobile device allows for both user-initiated downloads from a corporate entity as well as corporate pushes by the corporate entity to ensure that the user has updated content. The computer system receives a request for selected electronic content, where the request includes updated configuration information and user identification. The computer system then maps the user identification to a device type from a plurality of device types. Embodiments support different device types including electronic ink display capable devices. The selected electronic content is then downloaded to the mobile device. Subsequently, the computer system pushes updated versions of the selected electronic content based on the updated configuration information.Type: ApplicationFiled: March 31, 2010Publication date: October 6, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Marcia T. Jordan, Melissa Loafman, Peter K. Buchhop, Anne Bradford Fyk, Krsto Sitar
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Patent number: 7982604Abstract: A monetary package capable of detecting and communicating tampering is described. The monetary package may comprise a container having a volume configured to hold monetary items such as currency, checks, and negotiable instruments, a sensor configured to detect an opening of the container, a device coupled to the sensor and configured to store data responsive to the sensor detecting the opening of the container, and a transmitter configured to wirelessly send the stored data.Type: GrantFiled: October 31, 2008Date of Patent: July 19, 2011Assignee: Bank of AmericaInventors: Michelle Nichols, Todd Atwood, James Heddleson, Karen Garnett, Elizabeth S. Votaw, Felix Mon
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Publication number: 20110119179Abstract: In some embodiments, a method for processing a payment transaction comprises receiving, by a payor an invoice generated from a first enterprise resource planning (ERP) system operated by a payee. The first ERP system formatted the invoice in a first format. The invoice is stored in a second format compatible with a second ERP system. The invoice has been converted from the first format to the second format, which is different from the first format. Approval of the invoice is received through the second ERP system. Authorization instructing a financial institution to transmit a payment to the payee is generated and transmitted to the financial institution. Confirmation of the payment to the payee is generated and transmitted to the payee.Type: ApplicationFiled: November 16, 2009Publication date: May 19, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Orlando O. Atienza, Robert B. Walker, Clement M. Mazgelis, Jim L. Jenkins
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Publication number: 20100005515Abstract: Systems, methods and consumer-readable media for providing a platform between a requesting associate and an authenticating entity associate are provided. The method may include receiving a request for authentication from the requesting associate and transmitting the request to the authenticating associate. The method may include receiving a request for a single-use verification code from the authenticating associate in response to the request for authentication. The method may also include generating the single-use verification code, or, perhaps retrieving the single-use verification code from storage and transmitting the single-use verification code to the authenticating associate. Once the requesting associate has receiving the code from the authenticating associate, the requesting associate may enter the code. The system may then display the identity of the requesting associate on a workstation associated with the authenticating associate.Type: ApplicationFiled: July 1, 2008Publication date: January 7, 2010Applicant: Bank of AmericaInventors: Elizabeth S. Votaw, Robin K. Fowler
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Publication number: 20090309722Abstract: A monetary package capable of detecting and communicating tampering is described.Type: ApplicationFiled: October 31, 2008Publication date: December 17, 2009Applicant: Bank of America CorporationInventors: Michelle Nichols, Todd Atwood, James Heddleson, Karen Garnett, Elizabeth S. Votaw, Felix Mon