Patents by Inventor Matthew A. Calman
Matthew A. Calman 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: 20150088705Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities of one or more users. The financial and social management system captures past and future activities of the multiple users based on a location or time period, and assembles the activities into group packages. The group packages are supplemented with the images and the activity information related to the past and future activities captured from the various sources of information of the multiple users.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088714Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may parse activity information from the e-receipts and associate the activity information from the e-receipts with the corresponding activities.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088704Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088713Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088771Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may tag the activities with activity information, such as location, social relationship, entity, and category information.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088716Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system identifies activity history for a location or time period in the past, and displays the activities, activity information, and images for the location or time period in the in past in an activity history interface. At least a portion of the activity history may be shared with other users, and offers may be shared based on the activity history.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088718Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system captures past activities that occurred at the same or similar locations or time periods, and assemblies the activities into packages. The packages are supplemented with the images and the activity information related to the activities captured from the various sources of information, and the activities, activity information, and images are displayed in a package interface.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088717Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may identify activities associated with other users (e.g., gift deposit) that can be ultimately linked to other activities associated with merchants (e.g., purchase of a product). The financial and social management system may provide social relationship information between users based on the activities entered by the first user when other users are involved or linked to the activities.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088715Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system aggregates the activity information for a number of activities based on the location, user, entity, category, cost, time period, or the like and displays the aggregated activity information in an activity review interface. The financial and social management system may supplement the aggregated activity information with educational data.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088712Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, stored database images, images over the Internet, and the like, and associates the activity information and images with the activities. The financial and social management system may determine images for other users associated with an activity of a first user by identifying tag users in a social networking account of the first user or contacts in a social networking account of the first user that participated in activities at the same time or locations as the activities of the first user.Type: ApplicationFiled: September 20, 2013Publication date: March 26, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
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Publication number: 20150088751Abstract: Embodiments of the invention provide misappropriation protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location.Type: ApplicationFiled: December 3, 2014Publication date: March 26, 2015Inventors: David M. Grigg, Matthew A. Calman, Marc I. Warshawsky, Raja Bose
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Publication number: 20150081467Abstract: Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user.Type: ApplicationFiled: November 21, 2014Publication date: March 19, 2015Inventors: David M. Grigg, Raja Bose, Matthew A. Calman, Alicia C. Jones, Carrie Anne Hanson, Elizabeth S. Votaw
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Publication number: 20150073984Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using an ATM machine. Through the use of an ATM, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities from the ATM using those accounts. In this way, the user may ensure a secure payment to a third-party through the network associated with the financial institution and ATM. The payments may be directed to individuals the user may input into the system or to pre-established entities. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience provided to the user by an ATM.Type: ApplicationFiled: November 20, 2014Publication date: March 12, 2015Inventors: Charles Dominic Andrews, Scott A. Weigman, Matthew A. Calman
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Publication number: 20150066722Abstract: According to an embodiment, a contribution for a goal is managed. A monetary target associated with a goal is determined. A current savings level toward the monetary target is determined. A rule associated with a maximum contribution amount toward the monetary target is accessed. An amount for a contribution is calculated according to the monetary target, the current savings level, and the rule. The amount calculated for the contribution is transferred to an account associated with the goal.Type: ApplicationFiled: November 10, 2014Publication date: March 5, 2015Inventors: Matthew A. Calman, Carrie Anne Hanson, John Rees, Nancy Talarico, Greg Leonard Hertz, Sven David Newman
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Publication number: 20150066687Abstract: Embodiments related to tracking consumer consumption for purchased items are provided. In some embodiments, a system is provided that receives e-receipt data, including stack keeping unit (SKU) level data, from a customer and compares the e-receipt data with transaction data. The system identifies transactions associated with one or more customer goals based on the SKU level data and calculates a first quantity of consumption for each of the identified transactions.Type: ApplicationFiled: November 7, 2014Publication date: March 5, 2015Inventors: Jason P. Blackhurst, Matthew A. Calman, Katherine Dintenfass, Carrie A. Hanson, Laura C. Bondesen
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Publication number: 20150066688Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved.Type: ApplicationFiled: November 11, 2014Publication date: March 5, 2015Inventors: Jason P. Blackhurst, Matthew a. Calman, Laura c. Bondesen, Katherine Dintenfass, Susan s. Thomas, Carrie A. Hanson
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Patent number: 8972292Abstract: Embodiments of the invention relate to systems, methods, and computer program products for annotating financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a processor. In one embodiment, the memory device includes information regarding a plurality of bank accounts stored therein, and the processing device is configured to receive an indication of a transaction involving a first bank account stored in the memory device, send a request for ancillary information about the transaction to a party associated with the first bank account, receive ancillary information, such as a photograph of a product purchased in the transaction, from the party associated with the first bank account, and associate, in the memory device, the received ancillary information with the transaction.Type: GrantFiled: February 27, 2009Date of Patent: March 3, 2015Assignee: Bank of America CorporationInventors: Matthew A. Calman, Elizabeth Votaw
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Patent number: 8965790Abstract: Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: initiate a fuel purchase application; determine identification information associated with a fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information.Type: GrantFiled: July 31, 2012Date of Patent: February 24, 2015Assignee: Bank of America CorporationInventors: David M. Grigg, Glenn Grossman, Matthew A. Calman, Laura Corinne Bondesen, Alicia C. Jones, Peter John Bertanzetti
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Publication number: 20150052035Abstract: Apparatus, methods, and computer program products are described providing, within a personal finance management application (e.g., online banking, mobile banking or the like), customer-based transaction filtering for shared financial accounts (i.e., joint account or accounts otherwise held by more than one individual/customer). The filtering is configured to present holders of the shared accounts views (e.g., windows, sortable lists or the like) of which transactions, and in some embodiments which items in those transactions, were conducted by which holders of the account.Type: ApplicationFiled: August 15, 2013Publication date: February 19, 2015Applicant: Bank of America CorporationInventors: Matthew A. Calman, Jason P. Blackhurst, Katherine Dintenfass, Laura C. Bondesen, Carrie Anne Hanson
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Publication number: 20150046304Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for analyzing transaction item-identifying data, such as e-receipts, for the purpose of identifying which transactions or items in a transaction qualify as charitable contributions and in some embodiments verifying or confirming that the transaction or items in the transaction are charitable contributions for the purpose of tax deductions. Additionally, the invention may determine the items and/or portion of the overall or item purchase amount that qualifies as a charitable contribution for tax deductions purposes. In addition, the invention provides for automatically communicating verified charitable contribution information to a third party or database that will insure that the charitable contribution receives consideration when the customer's income tax filings are prepared.Type: ApplicationFiled: August 9, 2013Publication date: February 12, 2015Applicant: Bank of America CorporationInventors: Laura C. Bondesen, Jason P. Blackhurst, Matthew A. Calman, Katherine Dintenfass, Carrie Anne Hanson