Patents by Inventor Kimberly Belle Summerrow
Kimberly Belle Summerrow 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: 20210027383Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: ApplicationFiled: October 8, 2020Publication date: January 28, 2021Inventors: Usha Narayana, Kimberly Belle Summerrow
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Patent number: 10817860Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: GrantFiled: December 17, 2018Date of Patent: October 27, 2020Assignee: Bank of America CorporationInventors: Usha Narayana, Kimberly Belle Summerrow, Jared J. Blackburn, Shaun G. Hunter, Van A. Noles
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Patent number: 10810674Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: GrantFiled: December 17, 2018Date of Patent: October 20, 2020Assignee: Bank of America CorporationInventors: Usha Narayana, Kimberly Belle Summerrow
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Publication number: 20190130489Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: ApplicationFiled: December 17, 2018Publication date: May 2, 2019Inventors: Usha Narayana, Kimberly Belle Summerrow
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Publication number: 20190122194Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: ApplicationFiled: December 17, 2018Publication date: April 25, 2019Inventors: Usha Narayana, Kimberly Belle Summerrow, Jared J. Blackburn, Shaun G. Hunter, Van A. Noles
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Patent number: 10169820Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: GrantFiled: September 3, 2015Date of Patent: January 1, 2019Assignee: Bank of America CorporationInventors: Usha Narayana, Kimberly Belle Summerrow
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Patent number: 10169749Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: GrantFiled: September 3, 2015Date of Patent: January 1, 2019Assignee: Bank of America CorporationInventors: Usha Narayana, Kimberly Belle Summerrow, Jared J. Blackburn, Shaun G. Hunter, Van A. Noles
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Publication number: 20170068943Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: ApplicationFiled: September 3, 2015Publication date: March 9, 2017Inventors: Usha Narayana, Kimberly Belle Summerrow, Jared J. Blackburn, Shaun G. Hunter, Van A. Noles
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Publication number: 20170068938Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: ApplicationFiled: September 3, 2015Publication date: March 9, 2017Inventors: USHA NARAYANA, KIMBERLY BELLE SUMMERROW, JARED J. BLACKBURN, SHAUN G. HUNTER, VAN A. NOLES
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Publication number: 20170069026Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: ApplicationFiled: September 3, 2015Publication date: March 9, 2017Inventors: Usha Narayana, Kimberly Belle Summerrow
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Publication number: 20170069028Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.Type: ApplicationFiled: September 3, 2015Publication date: March 9, 2017Inventors: Usha Narayana, Kimberly Belle Summerrow
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Patent number: 8650123Abstract: Entry level banking products that may be offered through traditional sales channels (e.g., retail banking locations, online, and the like) or alternative sales channels (co-placement or co-branded with a third-party), to new customers who traditionally do not rely on conventional or mainstream checking, savings, and/or credit account products are described herein. Aspects described herein provide predictable, low cost pricing, guardrails on spending, budget controls, and financial education, while offering a low cost solution to serve all markets of banking customers. Aspects may include a reloadable prepaid card, savings account or savings wallet, custom savings plan services, a contactless payment sticker, budget tools, online banking, online bill pay, convenience checks, and low monthly fees. A bundled package may be made available from banking centers (e.g., bank branches) based on a client needs assessment, as well as made available in prepackaged containers sold or distributed at merchants.Type: GrantFiled: August 5, 2011Date of Patent: February 11, 2014Assignee: Bank of America CorporationInventors: Kimberly Belle Summerrow, Faith A. Tucker, John Franklin Tuders
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Patent number: 8600882Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing one or more prepaid cards, prepaid card accounts, and/or prepaid card account services.Type: GrantFiled: June 9, 2011Date of Patent: December 3, 2013Assignee: Bank of America CorporationInventors: Kimberly Belle Summerrow, Jeffrey Norman Healy
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Publication number: 20130124409Abstract: A reloadable prepaid platform configured to permit reloading of a general purpose prepaid card at an automated teller machine (ATM) is disclosed. Particularly, the prepaid platform interacts with an ATM of the financial institution associated with the prepaid card in order to receive funds from the user at the ATM and reload the prepaid card. The reload may generally be a cash reload; however, check reloads as well as transfer reloads from other accounts are contemplated herein.Type: ApplicationFiled: November 10, 2011Publication date: May 16, 2013Applicant: Bank of America CorporationInventors: Jeffrey Norman Healy, Kimberly Belle Summerrow, Craig Allan Hall
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Publication number: 20120284183Abstract: Entry level banking products that may be offered through traditional sales channels (e.g., retail banking locations, online, etc.) or alternative sales channels (co-placement or co-branded with a third-party), to new customers who traditionally do not rely on conventional or mainstream checking, savings, and/or credit account products are described herein. The methods and systems described herein provide predictable, low cost pricing, guardrails on spending, budget controls, and financial education, while designed to be a low cost solution to serve all markets of banking customers. Aspects may include a variety of financial products, including a reloadable prepaid card, savings account or savings wallet, custom savings plan services, a contactless payment sticker, budget tools, online banking, online bill pay, convenience checks, and low monthly fees. A bundled package including the payment card and tag, as well as other information, may be made available from banking centers (e.g.Type: ApplicationFiled: August 5, 2011Publication date: November 8, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Kimberly Belle Summerrow, Faith A. Tucker, John Franklin Tuders
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Publication number: 20120239564Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing one or more prepaid cards, prepaid card accounts, and/or prepaid card account services.Type: ApplicationFiled: June 9, 2011Publication date: September 20, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Kimberly Belle Summerrow, Jeffrey Norman Healy
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Publication number: 20120239474Abstract: In general terms, embodiments of the present invention relate to a prepaid card account that can accumulate rewards (e.g., points, miles, credits, bonuses, cash back, etc.). For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction includes a transaction amount and involves a prepaid card account; (b) determining that the prepaid card account has a balance; (c) determining, based at least partially on the transaction information, that the transaction amount does not exceed the balance; (d) authorizing the transaction based at least partially on the determining that the transaction amount does not exceed the balance; (e) determining that the transaction is completed; and (f) attributing rewards to the prepaid card account based at least partially on the determining that the transaction is completed.Type: ApplicationFiled: June 9, 2011Publication date: September 20, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Jeffrey Norman Healy, Kimberly Belle Summerrow