CHRISTOPHER ALLEN GRIGGS, D.O.
Radiology at Tate Blvd, Hickory, NC

2010007, Mar 25, 2010

Sep 19, 2008

12/234167

Joseph A. Giordano - Charlotte NC, US
Christopher Ryan Griggs - Hickory NC, US

Bank of America Corporation - Charlotte NC

G06Q 10/00

705 1438, 705 30, 705 39, 705 16

Embodiments of the invention are directed to a system configured to receive and record product-level and consumer-level information about a plurality of consumer transactions across a plurality of merchants in real-time or near real-time. Product marketers can then access this information for marketing purposes. In one embodiment, product marketers store conditional promotional offers on the system and the system determines, for each consumer transaction that it receives information about, whether the consumer or the transaction satisfies the conditions of one or more promotional offers stored on the system. If the conditions of a promotional offer are satisfied, the system sends the offer to the consumer and/or applies the promotion to the current transaction. In one embodiment, the system is maintained by the bank holding the consumer's account and/or issuing the consumer's credit or debit card involved in the transaction.

2011001, Jan 13, 2011

Sep 13, 2010

12/881071

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 40/00

705 39

Embodiments of the invention provide a system and method for using aliases, such as mobile telephone numbers, email addresses, and social networking identifications, to identify a payment recipient's account involved in a payment transaction. Some embodiments of the method include: (1) receiving a payment request from a payment sender via a communication from a remote device, where the payment request includes an alias, and where the alias is not an account number; (2) using a processor to identify a payment recipient's financial account based at least partially on the alias; and (3) transferring funds from the payment sender's account to the payment recipient's account. Identifying the payment recipient's financial account based on the alias may include accessing a memory device having a data repository stored therein that maps each of a plurality of aliases back to a financial account number, and then using the data repository in combination with the alias to identify the payment recipient's financial account number.

2011021, Sep 1, 2011

May 12, 2011

13/105989

Kurt D. Newman - Matthews NC, US
Christopher R. Griggs - Hickory NC, US
Joseph A. Giordano - Waxhaw NC, US
Debashis Ghosh - Charlotte NC, US
David Joa - Pacifica CA, US
Timothy J. Bendel - Charlotte NC, US
Michael James O'Hagan - Charlotte NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 40/00

705 44

Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer desires to make a purchase with an associated payment amount from an entity. A determination may be made as to whether the identified customer has a default purchase at the entity. Information of an account of the customer to make a purchase may be received and funds in the account may be debited by the associated payment amount. An item corresponding with the purchase based upon the scanned iris may be determined.

2011000, Jan 6, 2011

Sep 13, 2010

12/881074

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 40/00

705 39

Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient's account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient's financial account based at least partially on the alias; and (3) transferring funds to the payment recipient's financial account.

2011000, Jan 6, 2011

Sep 13, 2010

12/881080

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 40/00

705 40

Embodiments of the invention provide a system and method for on-boarding customers via a viral account opening or account registration process that uses aliases, such as telephone numbers, email addresses, and social networking identifiers, to identify payee accounts. If an alias is received for which a payee account cannot be identified, embodiments of the invention use the alias to contact the payee and request that the payee register an existing account or open a new account.

2011001, Jan 13, 2011

Sep 13, 2010

12/881073

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 40/00

705 39

Embodiments of the invention provide systems and methods for creating a financial account alias data repository to be used to identify payee accounts in payment transactions. For example, an embodiment of the method includes: (1) receiving a communication comprising an alias that is not a financial account number; and (2) using a processor to store the alias in memory and create a data repository in the memory that maps the alias to a particular financial account such that the alias can be used by others instead of a financial account number to transfer money to the particular financial account associated with the alias. The alias may include, for example, a telephone number, email address, or social networking identifier of the financial account owner.

2011021, Sep 1, 2011

May 12, 2011

13/105998

Kurt D. Newman - Matthews NC, US
Christopher R. Griggs - Hickory NC, US
Joseph A. Giordano - Waxhaw NC, US
Debashis Ghosh - Charlotte NC, US
David Joa - Pacifica CA, US
Timothy J. Bendel - Charlotte NC, US
Michael James O'Hagan - Charlotte NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 40/00

705 44

Systems and methods for authorizing an individual for purchasing a product and/or service are described. Monetary funds of a customer of a company may be received into a monetary account of the company at the financial entity. The received monetary funds of the customer may be maintained virtually in a non-monetary account with the non-monetary account value being proportional to the received monetary funds. A determination may be made as to whether an identified customer is authorized to make a purchase with an associated payment amount. The customer may be identified by a scanned iris. Upon determining the identified customer is authorized, the non-monetary account value may be decreased proportional to the associated payment amount.

2009014, Jun 4, 2009

Feb 27, 2008

12/038177

Joseph A. Giordano - Waxhaw NC, US
Christopher R. Griggs - Hickory NC, US
Hitesh Bajaj - Charlotte NC, US
Douglas G. Brown - Waxhaw NC, US
Jade M. Vo-Dinh - Charlotte NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 40/00

705 39

A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.