Patents by Inventor Tamara S. Kingston
Tamara S. Kingston 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: 8527414Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future account discrepancy assessments.Type: GrantFiled: January 14, 2011Date of Patent: September 3, 2013Assignee: Bank of America CorporationInventors: Erik Stephen Ross, Tamara S. Kingston, John Franklin Tuders, John Harden Quintiliani
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Publication number: 20130041821Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a fraud messaging service. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, and where the account is held by an account holder; (b) determining, based at least partially on the transaction information, that the transaction has triggered a fraud rule; (c) prompting, via a mobile device, the holder to consent to the transaction, where the mobile device is associated with the holder, and where the prompting the holder is based at least partially on the determining that the transaction has triggered the fraud rule; (d) receiving the holder's consent to the transaction; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: ApplicationFiled: August 10, 2011Publication date: February 14, 2013Applicant: Bank of America CorporationInventors: Tamara S. Kingston, Elbert Lee Whitler, John Franklin Tuders, Willard Andrew Barr
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Patent number: 8260693Abstract: Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like.Type: GrantFiled: January 12, 2006Date of Patent: September 4, 2012Assignee: Bank of America CorporationInventors: Maura L. Griffin, Lee A. Streu, Caroline B. Stott, Brent B. Allen, Colleen M. Buckles, Gerald V. Yuille, Tamara S. Kingston, Deborah M. Winick
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Publication number: 20120185389Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future overage fees. For example, in some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future overage fees, where the one or more payments are associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an overage fee associated with the overage; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient.Type: ApplicationFiled: January 14, 2011Publication date: July 19, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Erik Stephen Ross, Tamara S. Kingston, John Franklin Tuders, John Harden Quintiliani
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Publication number: 20120066127Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions.Type: ApplicationFiled: February 23, 2011Publication date: March 15, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Publication number: 20120066077Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: ApplicationFiled: February 23, 2011Publication date: March 15, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Publication number: 20120066078Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service using an overage passcode. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving an overage passcode associated with the account; and (d) authorizing the transaction based at least partially on the receiving the overage passcode.Type: ApplicationFiled: April 26, 2011Publication date: March 15, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Tamara S. Kingston, Willard Andrew Barr, Doris Maria Garrett, Mark Allan Nelson, Jonathan H. Tucker, John Franklin Tuders, Elbert Lee Whitler
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Publication number: 20120066126Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: ApplicationFiled: February 23, 2011Publication date: March 15, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Publication number: 20120061464Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service involving an overage magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving overage swipe information indicating that an overage magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the overage swipe information.Type: ApplicationFiled: May 5, 2011Publication date: March 15, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Tamara S. Kingston, Willard Andrew Barr, Doris Maria Garrett, Mark Allan Nelson, Jonathan H. Tucker, John Franklin Tuders, Elbert Lee Whitler
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Publication number: 20100114731Abstract: A method according to the invention may preferably include displaying on a computer display a menu bar that includes an online shopping enhancement icon. The method may further include receiving a selection of the icon. The method may also include, in response to receiving a selection of the icon, displaying an online shopping enhancement dialogue box including a selectable option for displaying user bank account information.Type: ApplicationFiled: January 30, 2009Publication date: May 6, 2010Inventors: Tamara S. Kingston, Joseph D. Zaruba, Joseph A. Giordano, Ian E. Sundberg, Jamie Ashfield
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Publication number: 20080301015Abstract: Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like.Type: ApplicationFiled: January 12, 2006Publication date: December 4, 2008Applicant: BANK OF AMERICA CORPORATIONInventors: Maura L. Griffin, Lee A. Streu, Caroline B. Stott, Brent B. Allen, Colleen M. Buckles, Gerald V. Yuille, Tamara S. Kingston, Deborah M. Winick