Patents by Inventor Lisa D. Curry
Lisa D. Curry 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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Patent number: 11403634Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a real-time interaction based assistance interface. The real-time interaction based assistance interface including software that allow the user to input commands on the artificial intelligence questionnaire to direct to a processing device to execute instructions for a real-time resource aspiration deployment and aspiration assistance. The system aggregates user data pertaining to resource history and interaction history. Using this data and the artificial intelligence questionnaire, the system provides a real-time interaction based assistance interface with resource aspiration prediction and fulfilling assistance.Type: GrantFiled: June 10, 2020Date of Patent: August 2, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Christopher Nicholas King, Lauren Marie Bavis, Lisa D. Curry, James Eugene Illing, Erin McCullen, Anthony Charles Tremble
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Publication number: 20220051207Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a multichannel resource centralization hub with a selectability interface. The invention extracts and coordinates account data across entities, such as a financial institution, for a user. The invention creates a single operating hub for user access and manipulation. In this way, the user may access a single interface for visualization of one operating account for the user. The operating hub allows a user to have multiple purpose resource envelopes within a single framework. As such, the user can have various separate sections within the operating hub for different actionable events. The system may allow for locking of resource envelopes, opening of envelopes for third parties, and threshold development of each individual envelope.Type: ApplicationFiled: August 17, 2020Publication date: February 17, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Christopher Nicholas King, Lauren Marie Bavis, Lisa D. Curry, James Eugene Illing, Erin McCullen, Anthony Charles Tremble
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Publication number: 20210090040Abstract: Apparatus and methods are provided for an online banking portal having adjustable display settings for transactions executed by a credit card. The credit card may have a first user and a second user. The online baking portal may have computer-readable media for performing the method steps of storing a first display setting and a second display setting. The first display setting may define first purchase information for displaying on a user portal in connection with a credit card purchase. The second display setting may define second purchase information for displaying on a user portal in connection with a credit card purchase. The second purchase information may include less information than the first purchase information.Type: ApplicationFiled: September 23, 2019Publication date: March 25, 2021Inventors: Katherine Dintenfass, Lisa D. Curry
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Publication number: 20200387971Abstract: Embodiments of the invention are directed to a system, method, or computer program product for ancillary channel communication services and enrollment via automatic population. In this way, the system may perform analysis of user channel communications for enrollment into a product or service. Based on the analysis the system may generate a populated application for enrollment via the same communication channel. The system generates a comprehensive application that comprises access to the product and use of the product with a sectioned portion associated with determined ancillary products for user deployment based on the product and the communication via the communication channel.Type: ApplicationFiled: June 10, 2020Publication date: December 10, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Christopher Nicholas King, Lauren Marie Bavis, Lisa D. Curry, James Eugene Illing, Erin McCullen, Anthony Charles Tremble
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Publication number: 20200387770Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a real-time interaction based assistance interface. The real-time interaction based assistance interface including software that allow the user to input commands on the artificial intelligence questionnaire to direct to a processing device to execute instructions for a real-time resource aspiration deployment and aspiration assistance. The system aggregates user data pertaining to resource history and interaction history. Using this data and the artificial intelligence questionnaire, the system provides a real-time interaction based assistance interface with resource aspiration prediction and fulfilling assistance.Type: ApplicationFiled: June 10, 2020Publication date: December 10, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Christopher Nicholas King, Lauren Marie Bavis, Lisa D. Curry, James Eugene Illing, Erin McCullen, Anthony Charles Tremble
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Publication number: 20200387899Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a control system for single resource distribution via a portal. With the single portal for resource distribution and secure card-control system capabilities, the user can stay in control of the resource distribution at a merchant location. The invention may provide a linkage between a merchant and user device for user device display of the single resource distribution portal. Upon authorization, the system may perform analysis and presentation of resource distribution for a merchant offering and user resource power in a hierarchical approach. The user is able to authorize resource distribution and secondary resource distribution in real-time without physical resource distribution exchange.Type: ApplicationFiled: June 10, 2020Publication date: December 10, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Christopher Nicholas King, Lauren Marie Bavis, Lisa D. Curry, James Eugene Illing, Erin McCullen, Anthony Charles Tremble
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Publication number: 20200051104Abstract: Embodiments of the present invention provide a system for providing an interactive real-time digital hub for processing supplemental resources. The present invention is configured to determine resource opportunities for a user as well as one or more customized supplemental resources associated with the resource opportunities. Next, a user interface of a computing device of the user is caused to display the resource opportunities and the user's activity is monitored to determine when the user has completed a resource opportunity. The associated supplemental resource is then provided to the user, and certain events related to the amount of the aggregate amount of supplemental resources can be executed in response to receiving a request for such execution by the user.Type: ApplicationFiled: April 1, 2019Publication date: February 13, 2020Applicant: Bank of America CorporationInventors: Victoria L. Dravneek, Melissa Anne Almond, Jinna Zevulun Kim, Katherine Dintenfass, John Allen Sellers, Matthew Murphy, David A. Stetler, Lisa D. Curry
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Patent number: 8688594Abstract: According to some embodiments, a system comprises an interface and one or more processors. The interface receives a search request indicating that a buyer requests to search for properties to evaluate. The one or more processors determine one or more buyer preferences that describe preferred characteristics for the properties according to the buyer. The one or more processors also determine whether an available property located proximate to a device associated with the buyer satisfies at least a threshold amount of the buyer preferences. If the available property satisfies at least a threshold amount of buyer preferences, the interface communicates a notification recommending that the buyer evaluate the available property.Type: GrantFiled: March 23, 2011Date of Patent: April 1, 2014Assignee: Bank of America CorporationInventors: Susan Smith Thomas, Shane Anthony Johnson, Johnny David Phillips, Lisa D. Curry, Carrie Anne Hanson, Todd Michael Ferrara, Michael P. Toner, Lauren Leigh Dearth, Philip Alan Cravitz
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Patent number: 8595130Abstract: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where exercising the option results in one or more terms of the mortgage loan being modified, and where one or more terms of the option are based at least partially on a non-mortgage relationship between a borrower associated with the mortgage loan and a lender associated with the mortgage loan.Type: GrantFiled: August 31, 2010Date of Patent: November 26, 2013Assignee: Bank of America CorporationInventors: Shane A. Johnson, Lisa D. Curry, Pamela Marguerite Howard, Michael J. Kelly
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Patent number: 8346658Abstract: A line of credit with pre-agreed line increases is described. In example embodiments, the line of credit is secured by a residence, and the borrower can agree at initial closing to periodic line increases, so that additional closings and re-recording are not necessary. Modeling can be used by the financial institution to determine if and when to offer increases in the LOC. An automated servicing routine is then used to produce a recommendation with respect to increasing the LOC loan amount. This automated servicing routine includes at least one model to produce the recommendation. The line of credit can be increased if and when recommended by the servicing platform.Type: GrantFiled: April 28, 2008Date of Patent: January 1, 2013Assignee: Bank of America CorporationInventors: Lisa D. Curry, Cherie A. Arruda, James D. Heisterkamp, Jr., Donna L. Nicholson, Ryan Gene Ritz
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Patent number: 8301558Abstract: Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest.Type: GrantFiled: July 30, 2010Date of Patent: October 30, 2012Assignee: Bank of America CorporationInventors: Edna Waters Marshall, Lisa D. Curry, Ashley C. Hardy
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Patent number: 8280808Abstract: Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. The systems and methods of the present invention are used in connection with a HELOC account.Type: GrantFiled: July 30, 2010Date of Patent: October 2, 2012Assignee: Bank of America CorporationInventors: Edna Waters Marshall, Lisa D. Curry, Ashley C. Hardy
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Publication number: 20120246024Abstract: According to some embodiments, a system comprises an interface and one or more processors. The interface receives a search request indicating that a buyer requests to search for properties to evaluate. The one or more processors determine one or more buyer preferences that describe preferred characteristics for the properties according to the buyer. The one or more processors also determine whether an available property located proximate to a device associated with the buyer satisfies at least a threshold amount of the buyer preferences. If the available property satisfies at least a threshold amount of buyer preferences, the interface communicates a notification recommending that the buyer evaluate the available property.Type: ApplicationFiled: March 23, 2011Publication date: September 27, 2012Applicant: Bank of AmericaInventors: Susan Smith Thomas, Shane Anthony Johnson, Johnny David Phillips, Lisa D. Curry, Carrie Anne Hanson, Todd Michael Ferrara, Michael P. Toner, Lauren Leigh Dearth, Philip Alan Cravitz
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Patent number: 8131637Abstract: A predictive model for use in providing an equity release (reverse mortgage) financial product is disclosed. In at least some embodiments, a plurality of representative loans are created, wherein each loan can be characterized by a borrower type and a mortality table. A plurality of joint interest rate and house price scenarios are also created. Each of the representative loans can be run through each of the joint interest rate and house price scenarios to measure profitability metrics. The model can also be used to determine loan-to-value (LTV) ratios based on considerations including borrower age, loan volume sensitivity, a determined profit-maximizing LTV ratio, and geographic market considerations.Type: GrantFiled: November 15, 2006Date of Patent: March 6, 2012Assignee: Bank of America CorporationInventors: David H. Rupp, Colin D. McCormick, Cherie A. Arruda, Lisa D. Curry, Michael Teichman
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Publication number: 20120030095Abstract: Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest.Type: ApplicationFiled: July 30, 2010Publication date: February 2, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Edna Waters Marshall, Lisa D. Curry, Ashley C. Hardy
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Publication number: 20120030099Abstract: Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. In some embodiments, the systems and methods of the present invention are used in connection with a HELOC account.Type: ApplicationFiled: July 30, 2010Publication date: February 2, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Edna Waters Marshall, Lisa D. Curry, Ashley C. Hardy
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Publication number: 20120030092Abstract: Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: identifying a loan account associated with a loan, indentifying information associated with collateral securing the loan, determining a current equity value associated with the collateral, and generating a notification that additional credit may be added to the loan account. A current equity value associated with the collateral may be determined by calculating the difference between the market value for the collateral and the total amount of debt and credit secured by the collateral. The loan account may be a HELOC account where the collateral is a home.Type: ApplicationFiled: July 30, 2010Publication date: February 2, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Edna Waters Marshall, Lisa D. Curry, Ashley C. Hardy
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Patent number: 8019677Abstract: A convertible, home-equity based financial product is disclosed. Example embodiments of the invention provide a home loan that can be converted into a reverse mortgage, also known as an “equity release” product. In example embodiments, the product can be set up so that there is a low or no-documentation requirement upon conversion. Conversion can be triggered upon a request from the borrower, or upon some other event. The proceeds from the conversion can be provided in many different ways, for example, as a lump sum, an investment, a line of credit, or a scheduled pay-out. The proceeds from the equity release can also be distributed so as to be used in purchasing a residence, for example, a second or vacation home.Type: GrantFiled: November 15, 2006Date of Patent: September 13, 2011Assignee: Bank of America CorporationInventors: David H. Rupp, Colin D. McCormick, Cherie A. Arruda, Lisa D. Curry, Michael Teichman
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Publication number: 20110022512Abstract: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where exercising the option results in one or more terms of the mortgage loan being modified, and where one or more terms of the option are based at least partially on a non-mortgage relationship between a borrower associated with the mortgage loan and a lender associated with the mortgage loan.Type: ApplicationFiled: August 31, 2010Publication date: January 27, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Shane A. Johnson, Lisa D. Curry, Pamela Marguerite Howard, Michael J. Kelly
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Publication number: 20110022507Abstract: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where the mortgage loan includes a fixed interest rate, and where the option includes an interest rate modification feature, such that exercising the option results in the value of the fixed interest rate being modified from a first value to a second value.Type: ApplicationFiled: August 31, 2010Publication date: January 27, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Shane A. Johnson, Lisa D. Curry, Pamela Marguerite Howard, Michael J. Kelly