Patents by Inventor Nicholas Edward Vincent

Nicholas Edward Vincent 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).

  • FEE REFUND MANAGEMENT
    Publication number: 20100076873
    Abstract: The innovation relates to a system and/or methodology for the convenient and consistent determination of fee refunds for financial products. The system provides for a fee refund component that determines a proposed fee refund based on a customer's score, and information regarding the financial institution's fee refund policies. The customer scores and fee refund policies are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.
    Type: Application
    Filed: September 22, 2008
    Publication date: March 25, 2010
    Applicant: WACHOVIA CORPORATION
    Inventors: John David Taylor, Nicholas Edward Vincent, William John Carey, IV, Kimberly Robin Nelson, Cecelia Mason Oakley Gray