Alicia C Jones

US Patent:

20100257066, Oct 7, 2010

Filed:

Apr 6, 2009

Appl. No.:

12/418941

Inventors:

Theresa M. Jones - Charlotte NC, US
Alicia C. Jones - Fort Mill SC, US
Keith D. Agisim - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 10/00
G06Q 40/00
G06Q 20/00

US Classification:

705 17, 705 21, 705 30

Abstract:

Embodiments of the invention relate to apparatuses, methods, and computer program products for collecting and managing receipts arising out of financial transactions. More particularly, embodiments of the present invention relate to apparatuses, methods, and computer program products for collecting electronic receipts by receiving an electronic indication of a transaction between a vendor and a consumer, receiving an electronic indication from the consumer that the consumer desires to have an electronic receipt resulting from the transaction electronically transmitted to a financial institution, and permitting electronic transmission of the electronic receipt to the financial institution.

US Patent:

20120030105, Feb 2, 2012

Filed:

Jul 30, 2010

Appl. No.:

12/847622

Inventors:

Alicia C. Jones - Fort Mill SC, US
Zhongmin Agarwal - Charlotte NC, US
Mark D. Zanzot - Huntersville NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 42, 705 45

Abstract:

Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor.

US Patent:

20120196586, Aug 2, 2012

Filed:

Jan 31, 2011

Appl. No.:

13/018000

Inventors:

David M. Grigg - Rock Hill SC, US
Elizabeth S. Votaw - Potomac MD, US
Alicia C. Jones - Fort Mill SC, US
Patrick Brian Kelly - Charlotte NC, US
Marc B. Keller - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

H04M 3/00
H04B 5/00
H04B 7/24

US Classification:

455418, 455 39, 455 411

Abstract:

In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like.

US Patent:

20120197740, Aug 2, 2012

Filed:

Jan 31, 2011

Appl. No.:

13/017835

Inventors:

DAVID M. GRIGG - Rock Hill SC, US
Patrick B. Kelly - Charlotte NC, US
Alicia C. Jones - Fort Mill SC, US
Marc B. Keller - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/00
G06Q 40/00
H04W 4/00

US Classification:

705 16, 4554141, 455411, 705 41

Abstract:

Embodiments of the invention include apparatuses and methods that allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a single action or supplying only a single input to the mobile device. For example, some embodiments of the invention allow a user to assign a default payment vehicle to a particular key or “pay now” icon of the mobile device so that activation of the particular key or icon, alone, causes the mobile device to wirelessly transmit information about the default payment vehicle. In some embodiments of the invention, a user using the single action option of the mobile device does not need to go through an authentication procedure before the mobile device transmits the default payment information. In some embodiments of the invention, if a user uses the single action option, the mobile device is configured to transmit the payment information without needing to first launch an electronic wallet software application installed on the device.

US Patent:

20120197794, Aug 2, 2012

Filed:

Jan 31, 2011

Appl. No.:

13/018235

Inventors:

David M. Grigg - Rock Hill SC, US
Alicia C. Jones - Fort Mill SC, US
Marc B. Keller - Charlotte NC, US
Patrick Brian Kelly - Charlotte NC, US
Elizabeth S. Votaw - Potomac MD, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/00
G06Q 40/00

US Classification:

705 41, 705 44, 705 42

Abstract:

The present invention provides embodiments of a shared account system that allows a primary user to add one or more dependent users to one or more accounts of the primary user in order to control and monitor the transactions made by a dependent user using a shared payment system. The primary user can set preferences, including spending limits, specific time frames within which the dependent user can make a purchase, or restrictions on transactions made at a store or for a product. The shared payment system may be a shared mobile wallet, such as a smartphone or PDA, which allows a user to enter into transactions. The shared mobile wallet allows the dependent user to make a purchase at a store or over a network by transmitting through a connection between the shared payment system and the merchant systems used to make the transaction.

US Patent:

20120197797, Aug 2, 2012

Filed:

Jan 31, 2011

Appl. No.:

13/018288

Inventors:

David M. Grigg - Rock Hill SC, US
Elizabeth S. Votaw - Potomac MD, US
Alicia C. Jones - Fort Mill SC, US
Patrick Brian Kelly - Charlotte NC, US
Cindy Elizabeth Kerber - Cornelius NC, US
Marc B. Keller - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 43

Abstract:

In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based at least partially on the transaction information.

US Patent:

20120197798, Aug 2, 2012

Filed:

Jan 31, 2011

Appl. No.:

13/018295

Inventors:

David M. Grigg - Rock Hill SC, US
Elizabeth S. Votaw - Potomac MD, US
Alicia C. Jones - Fort Mill SC, US
Patrick Brian Kelly - Charlotte NC, US
Cindy Elizabeth Kerber - Cornelius NC, US
Marc B. Keller - Charlotte NC, US

Assignee:

BANK OF AMERICAN CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 43

Abstract:

In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM authentications on a mobile device and for completing those pending ATM authentications at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM authentication on a mobile device, where the initiating the pending ATM authentication is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM authentication occurs before the user arrives at an ATM for completing the pending ATM authentication; (b) storing, on the mobile device, authentication information associated with the pending ATM authentication; (c) transferring the authentication information from the mobile device directly to the ATM, where the transferring the authentication information occurs after the user arrives at the ATM for completing the pending ATM authentication; (d) receiving, at the ATM, the authentication information associated with the pending ATM authentication; and (e) completing, at the ATM, the pending ATM authentication based at least partially on the authentication information.

US Patent:

20120203610, Aug 9, 2012

Filed:

Feb 8, 2011

Appl. No.:

13/023340

Inventors:

David M. Grigg - Rock Hill SC, US
Alicia C. Jones - Fort Mill SC, US
Marc B. Keller - Charlotte NC, US
Patrick B. Kelly - Charlotte NC, US

International Classification:

G06Q 30/00

US Classification:

705 1423, 705 11

Abstract:

Embodiments of the invention are directed to apparatus, methods, and computer program products for making a payment at a contactless payment terminal using an electronic coupon emulated as an electronic gift card. In one embodiment, a mobile device emulates electronic coupon data associated with an electronic coupon as electronic gift card data, and transmits this emulated coupon data to a contactless payment terminal that has the ability to read and processes electronic gift card data. Therefore, the invention may permit a user to make a payment using an electronic coupon at a contactless payment terminal that is not configured to read the native data format of the electronic coupon.

Address:

5432 Idlewild Rd N, Charlotte, NC 28227

VIN:

JN8AZ2KR6AT165220

Make:

NISSAN

Model:

CUBE

Year:

2010

Address:

1008 Chapanoke Rd, Raleigh, NC 27603

VIN:

1GNFK13047R245760

Make:

CHEVROLET

Model:

TAHOE

Year:

2007

Address:

4942 Poplar Grv Dr, Charlotte, NC 28269

VIN:

5TDZT38A17S290737

Make:

TOYOTA

Model:

SEQUOIA

Year:

2007