Patents by Inventor Patricia Kinney
Patricia Kinney 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: 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: 20170139659Abstract: A device identifier for a user device may be identified from multiple device identifiers corresponding to multiple user devices. The device identifier is stored in a database in a memory location of a first set of memory locations including the device identifiers. The memory location may be associated with a separate memory location including a user identifier corresponding to the user. Application information is retrieved for web-based applications and stored in a second set of memory locations associated with the memory location including the device identifier. Customization information is retrieved for the web-based applications. The customization information includes location information for the web-based applications and corresponding secure information. A request for the secure information may be made to different systems and corresponding databases including the secure user information.Type: ApplicationFiled: November 18, 2016Publication date: May 18, 2017Applicant: Branch Banking and Trust CompanyInventors: Matthew T. Spriggs, Michael Shade, Michael Anthony Dascola, Matthew Whitley, Patricia Kinney
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Publication number: 20170069023Abstract: 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 16, 2016Publication date: March 9, 2017Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, PaaI Kaperdal, Douglas Joel Zickafoose
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Publication number: 20160350723Abstract: An integration system may be communicatively coupled to resource systems, including a user-information system and a provider-information system. The integration system may determine, based on geographical information from the user a list of available agents of a provider of an account held by the user. The integration system may select a point-of-contact from the list of available agents and authorize the point-of-contact to access secure information associated with the account. The integration system may also authorize the user to access secure information associated with the provider, including contact information and availability information.Type: ApplicationFiled: May 31, 2016Publication date: December 1, 2016Applicant: Branch Banking and Trust CompanyInventors: Matthew T. Spriggs, Michael Shade, Patricia Kinney
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Publication number: 20160352524Abstract: An authentication system may receive a request signature corresponding to a user request to view secure user information on a user device and generate a server-side signature matching the request signature to authenticate the user device to receive the secure user information without authenticating the user. The request signature may include a device identifier corresponding to the device, a token code generated by the authentication system and stored by the user device, a timestamp corresponding to the transmission time of the request signature, and a version of the device identifier, the token code, and the timestamp encrypted using a signature key provided to the user device by the authentication system. The authentication system may generate the server-side signature using the timestamp and stored copies of the device identifier, the token code, and the signature key.Type: ApplicationFiled: June 1, 2016Publication date: December 1, 2016Applicant: Branch Banking and Trust CompanyInventors: Patricia Kinney, Sumit Deshpande, Matthew Whitley, Gopinath Rajagopal, Michael Anthony Dascola, Satya Acharya, Angela Taylor
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Publication number: 20160328803Abstract: An electronic receipt system may generate electronic documents including receipt content associated with a transaction between an account holder and a third party, and automatically link the electronic documents to secure records corresponding to account transaction records in a secure database. An account holder may subsequently view an electronic document including the receipt from a secure network platform displaying the secure records for multiple transactions in the account. In some aspects, the electronic receipt system may retrieve the receipt from an email message transmitted to an email address assigned to the account holder by the electronic receipt system. In other aspects, the electronic receipt may be retrieved using an application on a user device corresponding to the electronic receipt system.Type: ApplicationFiled: May 6, 2016Publication date: November 10, 2016Applicant: Branch Banking and Trust CompanyInventors: Matthew Whitley, Matthew Spriggs, Gopinath Rajagopal, Patricia Kinney, Seneca Meyer, Nixa Espinola
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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: 20150294281Abstract: 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: June 25, 2015Publication date: October 15, 2015Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Barbara Whorf, PaaI Kaperdal, Douglas Joel Zickafoose
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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: 20100070407Abstract: A method for interfacing with a financial institution using a computer interface is disclosed for on-line or E-Lending. 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 18, 2010Applicant: Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Douglas Joe Zickafoose, Brian Newlin, Jennifer Weaver, Steven Picard
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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: 20100042520Abstract: 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: August 12, 2009Publication date: February 18, 2010Applicant: 27804Branch Banking and Trust CompanyInventors: Teresa Rose, Patricia Kinney, Douglas Joel Zickafoose, Brian Newlin, Jennifer Weaver, Steven J. Picard
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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