Thangam M Balachandran

age ~71

from Weatherford, TX

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Daylight Overdraft Tracking
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US Patent:

8311935, Nov 13, 2012
Filed:

Oct 31, 2007
Appl. No.:

11/933341
Inventors:

Thangam Balachandran - Mineral Wells TX, US
Mary H. Wark - Richmond VA, US
Amos Radford - Pittsburg CA, US
Sandra Svoboda - Concord CA, US
Natalie Fox - Walnut Creek CA, US
Gregory Cotton - Antioch CA, US
Robert B. Clark - Indian Trail NC, US
Samuel Clerico - Highland Mills NY, US
Patricia L. Lees - Sonoma CA, US
Jurado L. Perlas - South San Francisco CA, US
Assignee:

Bank of America Corporation - Charlotte NC
International Classification:

G06Q 40/00
US Classification:

705 38
Abstract:

Techniques and systems are disclosed for calculating daylight negative balance fees charged to a user associated with a plurality of deposit account. The daylight negative balance fees may be customized (or adjusted) to the amount of time the user's aggregate accounts maintained a negative balance. As such, those users that spend more time with a negative balance during a business day may be charged higher fees than other users. Moreover, multiple deposit platforms may provide account data through feeds. As such a user with multiple accounts may be charged according to its aggregate negative balance amount rather than simply on each account individually. Additionally, enhanced reporting and billing features are disclosed.