Patents by Inventor Paal Kaperdal
Paal Kaperdal 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: 20200234261Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes an early warning evaluation of the customer and/or entities associated with the customer to identify fraudster/abusers and prevent them from opening online accounts at the financial institution.Type: ApplicationFiled: April 8, 2020Publication date: July 23, 2020Applicant: Branch Banking and Trust CompanyInventors: Teresa ROSE, Patricia KINNEY, Barbara WHORF, Paal KAPERDAL, Douglas Joel ZICKAFOOSE
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Patent number: 10657590Abstract: A method for interfacing with a financial institution using a computer interface is disclosed for on-line or E-Lending. A customer selects a lending product on the website of a financial institution. The financial institution receives information to authenticate the customer, and receives additional information related to the financial history and lending needs from the customer. The terms and conditions related to the lending product are presented to the customer and an authorization to an application is received from the customer. A risk analysis is performed using information received from the customer and the application of the loan is subject to approval based at least in part on the risk analysis. The third set of information related to insurance, disclosures, etc is received from the customer and a fourth set of information related to the closing information is provided back to the customer. The loan may be further closed on-line or with an attorney or agent.Type: GrantFiled: January 12, 2016Date of Patent: May 19, 2020Assignee: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20200074545Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.Type: ApplicationFiled: October 15, 2019Publication date: March 5, 2020Applicant: Branch Banking and Trust CompanyInventors: Teresa ROSE, Patricia KINNEY, Barbara WHORF, Paal KAPERDAL, Douglas Joel ZICKAFOOSE
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Publication number: 20190026827Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.Type: ApplicationFiled: September 25, 2018Publication date: January 24, 2019Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20180075528Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.Type: ApplicationFiled: November 14, 2017Publication date: March 15, 2018Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20180053164Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes an early warning evaluation of the customer and/or entities associated with the customer to identify fraudster/abusers and prevent them from opening online accounts at the financial institution.Type: ApplicationFiled: October 31, 2017Publication date: February 22, 2018Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20160125531Abstract: A method for interfacing with a financial institution using a computer interface is disclosed for on-line or E-Lending. A customer selects a lending product on the website of a financial institution. The financial institution receives information to authenticate the customer, and receives additional information related to the financial history and lending needs from the customer. The terms and conditions related to the lending product are presented to the customer and an authorization to an application is received from the customer. A risk analysis is performed using information received from the customer and the application of the loan is subject to approval based at least in part on the risk analysis. The third set of information related to insurance, disclosures, etc is received from the customer and a fourth set of information related to the closing information is provided back to the customer. The loan may be further closed on-line or with an attorney or agent.Type: ApplicationFiled: January 12, 2016Publication date: May 5, 2016Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20150332392Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.Type: ApplicationFiled: July 23, 2015Publication date: November 19, 2015Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20130091052Abstract: Systems, methods and computer programming for evaluating users applying for a new account with a financial institution, and generating the new account online, are described. The request, identity information and geographic information are received by the financial institution over a network from the user, and confidence scores are generated and evaluated by the financial institution. If a temporary limited account is approved for generation, then an online transfer of funds from an existing account with another financial institution is initiated and completed by to complete the new account generation.Type: ApplicationFiled: October 7, 2011Publication date: April 11, 2013Inventors: Paal KAPERDAL, Elena FLOM
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Patent number: 8073755Abstract: The present disclosure describes novel methods that can be utilized to choose, set up, open, and/or manage an online account at a financial institution. The present disclosure addresses prior art problems of online account opening by describing methods for automating key aspects of the account opening process for customers such as tailoring the presentation of information to the online customer based at least in part on the customer's input, performing suitability checks for the customer based on online products chosen by the customer, presenting cross-sell products to the customer based on information known by the financial institution or currently received from the customer, and allowing a pending customer to complete the online application procedure in the absence of a confirmed identification of the online customer.Type: GrantFiled: November 13, 2009Date of Patent: December 6, 2011Assignee: Branch Banking & Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20100076889Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes an early warning evaluation of the customer and/or entities associated with the customer to identify fraudster/abusers and prevent them from opening online accounts at the financial institution.Type: ApplicationFiled: September 16, 2009Publication date: March 25, 2010Applicant: Branch, Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20100063896Abstract: The present disclosure describes novel methods that can be utilized to choose, set up, open, and/or manage an online account at a financial institution. The present disclosure addresses prior art problems of online account opening by describing methods for automating key aspects of the account opening process for customers such as tailoring the presentation of information to the online customer based at least in part on the customer's input, performing suitability checks for the customer based on online products chosen by the customer, presenting cross-sell products to the customer based on information known by the financial institution or currently received from the customer, and allowing a pending customer to complete the online application procedure in the absence of a confirmed identification of the online customer.Type: ApplicationFiled: November 13, 2009Publication date: March 11, 2010Inventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Publication number: 20100042542Abstract: A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.Type: ApplicationFiled: August 12, 2009Publication date: February 18, 2010Applicant: Branch, Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose
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Patent number: 7620580Abstract: A system and method that can be utilized to choose, set up, open, and/or manage an online account at a financial institution. The system and method allows for the automating of key aspects of an account opening process for customers such as tailoring the presentation of information to the online customer based at least in part on the customer's input, performing suitability checks for the customer based on online products chosen by the customer, presenting cross-sell products to the customer based on information known by the financial institution or currently received from the customer, and allowing a pending customer to complete the online application procedure in the absence of a confirmed identification of the online customer.Type: GrantFiled: July 31, 2008Date of Patent: November 17, 2009Assignee: Branch Banking & Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, Paal Kaperdal, Douglas Joel Zickafoose