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).

  • Publication number: 20210027383
    Abstract: 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: Application
    Filed: October 8, 2020
    Publication date: January 28, 2021
    Inventors: Usha Narayana, Kimberly Belle Summerrow
  • Patent number: 10817860
    Abstract: 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: Grant
    Filed: December 17, 2018
    Date of Patent: October 27, 2020
    Assignee: Bank of America Corporation
    Inventors: Usha Narayana, Kimberly Belle Summerrow, Jared J. Blackburn, Shaun G. Hunter, Van A. Noles
  • Patent number: 10810674
    Abstract: 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: Grant
    Filed: December 17, 2018
    Date of Patent: October 20, 2020
    Assignee: Bank of America Corporation
    Inventors: Usha Narayana, Kimberly Belle Summerrow
  • Publication number: 20190130489
    Abstract: 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: Application
    Filed: December 17, 2018
    Publication date: May 2, 2019
    Inventors: Usha Narayana, Kimberly Belle Summerrow
  • Publication number: 20190122194
    Abstract: 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: Application
    Filed: December 17, 2018
    Publication date: April 25, 2019
    Inventors: Usha Narayana, Kimberly Belle Summerrow, Jared J. Blackburn, Shaun G. Hunter, Van A. Noles
  • Patent number: 10169820
    Abstract: 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: Grant
    Filed: September 3, 2015
    Date of Patent: January 1, 2019
    Assignee: Bank of America Corporation
    Inventors: Usha Narayana, Kimberly Belle Summerrow
  • Patent number: 10169749
    Abstract: 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: Grant
    Filed: September 3, 2015
    Date of Patent: January 1, 2019
    Assignee: Bank of America Corporation
    Inventors: Usha Narayana, Kimberly Belle Summerrow, Jared J. Blackburn, Shaun G. Hunter, Van A. Noles
  • Publication number: 20170068943
    Abstract: 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: Application
    Filed: September 3, 2015
    Publication date: March 9, 2017
    Inventors: Usha Narayana, Kimberly Belle Summerrow, Jared J. Blackburn, Shaun G. Hunter, Van A. Noles
  • Publication number: 20170068938
    Abstract: 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: Application
    Filed: September 3, 2015
    Publication date: March 9, 2017
    Inventors: USHA NARAYANA, KIMBERLY BELLE SUMMERROW, JARED J. BLACKBURN, SHAUN G. HUNTER, VAN A. NOLES
  • Publication number: 20170069026
    Abstract: 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: Application
    Filed: September 3, 2015
    Publication date: March 9, 2017
    Inventors: Usha Narayana, Kimberly Belle Summerrow
  • Publication number: 20170069028
    Abstract: 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: Application
    Filed: September 3, 2015
    Publication date: March 9, 2017
    Inventors: Usha Narayana, Kimberly Belle Summerrow
  • Patent number: 8650123
    Abstract: 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: Grant
    Filed: August 5, 2011
    Date of Patent: February 11, 2014
    Assignee: Bank of America Corporation
    Inventors: Kimberly Belle Summerrow, Faith A. Tucker, John Franklin Tuders
  • Patent number: 8600882
    Abstract: 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: Grant
    Filed: June 9, 2011
    Date of Patent: December 3, 2013
    Assignee: Bank of America Corporation
    Inventors: Kimberly Belle Summerrow, Jeffrey Norman Healy
  • Publication number: 20130124409
    Abstract: 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: Application
    Filed: November 10, 2011
    Publication date: May 16, 2013
    Applicant: Bank of America Corporation
    Inventors: Jeffrey Norman Healy, Kimberly Belle Summerrow, Craig Allan Hall
  • Publication number: 20120284183
    Abstract: 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: Application
    Filed: August 5, 2011
    Publication date: November 8, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kimberly Belle Summerrow, Faith A. Tucker, John Franklin Tuders
  • Publication number: 20120239564
    Abstract: 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: Application
    Filed: June 9, 2011
    Publication date: September 20, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kimberly Belle Summerrow, Jeffrey Norman Healy
  • Publication number: 20120239474
    Abstract: 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: Application
    Filed: June 9, 2011
    Publication date: September 20, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Jeffrey Norman Healy, Kimberly Belle Summerrow