Ryan Scott Heller, 51114 Plymouth Pl, Middletown, DE 19709

2012022, Sep 6, 2012

Mar 2, 2011

13/039036

Mathew Timothy Roe - Elkton MD, US
Adam Anthony DiCaprio - Concord NC, US
Gregory Vincent Permar - Kennett Square PA, US
Scott Stephen Thomas - Pomona CA, US
Michael John O'Brien - Virginia Beach VA, US
Larry Ray Densmore - Port Orchard WA, US
Edward Elias Arciniega - Diamond Bar CA, US
Helen Ramsey Noles - Browns Summit NC, US
Kellie Marie Basher - North Tonawanda NY, US
Ryan Scott Heller - Middletown DE, US
Robert John McLaughlin - Huntersville NC, US
Jennifer Leigh McCain - San Dimas CA, US
Melodee Coleman - Mount Holly NC, US
Jeanne Carole Edwards - Blythewood SC, US
Dan R. Miller - Saint Louis MI, US
Stephen Mark Schneeweis - Newark DE, US
Harold Cooper Keener - Charlotte NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 10/00

705 738

According to some embodiments, a method receives a request for contact information associated with a customer. The method determines a plurality of contact values associated with the customer. The plurality of contact values include a first set of contact values that a first line of business associates with the customer and a second set of contact values that a second line of business associates with the customer. The method determines priority information associated with each contact value. In response to the request for contact information, the method communicates one or more of the contact values. For each contact value being communicated, the method communicates at least some of the priority information associated with the each contact value being communicated.

2022035, Nov 3, 2022

Nov 3, 2021

17/517699

- Charlotte NC, US
Charanjit S. Bagga - Thousand Oaks CA, US
Muralidhar Chowdarapu - Simi Valley CA, US
Burton M. Covnot - Carol Stream IL, US
Sandeep Gandhi - Waxhaw NC, US
Ryan Scott Heller - Middletown DE, US
Saurabh Khanna - Frisco TX, US
Silvia Adriana Krasuk - Los Angeles CA, US
Mardochee Macxis - Concord NC, US
Walter Thomas Robinson - Charlotte NC, US
Rupal V. Shah - Loomis CA, US
Mansoor Zafar - Frisco TX, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06F 40/186
G06F 40/174
G06F 40/106
H04L 29/08

Embodiments of the invention are directed to a system, method, or computer program product for a template based design approach for cross channel digital data parsing and generation. The system allows for onboarding of various types of forms to push them out to users via multiple various user viewing channels. The invention identifies the sections or fields of the form that require user input and presents those fields using an advanced digital solution illustrated in the channel format. The system is expandable, allowing for a single backend upload of additional forms irrespective of the channel.

2022035, Nov 3, 2022

Dec 2, 2021

17/540900

- Charlotte NC, US
Charanjit S. Bagga - Thousand Oaks CA, US
Muralidhar Chowdarapu - Simi Valley CA, US
Burton M. Covnot - Carol Stream IL, US
Sandeep Gandhi - Waxhaw NC, US
Ryan Scott Heller - Middletown DE, US
Saurabh Khanna - Frisco TX, US
Silvia Adriana Krasuk - Los Angeles CA, US
Mardochee Macxis - Concord NC, US
Walter Thomas Robinson - Charlotte NC, US
Rupal V. Shah - Loomis CA, US
Mansoor Zafar - Frisco TX, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06F 40/186
G06F 3/16
G06F 40/123

Embodiments of the invention are directed to a system, method, or computer program product for digital form integration and presentation. The method includes extracting one or more data input fields from a form and generating one or more user prompts to be presented to a user in order to complete at least one of the one or more entries of the one or more data input fields. The method further includes causing the transmission of at least one of the one or more user prompts to the user and receiving a prompt response from the user. The method also includes determining whether the prompt response meets one or more form requirements for a given entry and updating the form upon determination that the prompt response meets one or more form requirements for a given entry. The method further includes displaying to the user the form in an appropriate channel format.

2015012, May 7, 2015

Nov 5, 2013

14/072681

- Charlotte NC, US
Michael D. Fleischer - Double Oak TX, US
Ryan Scott Heller - Middletown DE, US
Sethu Iyer - Kennett Square PA, US
Hari Madala - Pittsburgh PA, US
Andrew Sheldon - Mountain Top PA, US
Patrick B. Smith - Garland TX, US

BANK OF AMERICA CORPORATION - Charlotte NC

H04M 3/51
H04M 3/523

37926513

Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships within an entity. This representation focuses on customer products in arrears that are to be recovered. The invention requires disposition input from the system and the representative immediately after a customer communication. This way, the invention aids in providing an overarching view of all customer relationships to a representative. The automatic information regarding the communication includes the date, time of day, duration, and the like associated with the communication. The invention requires the representative to input manually a disposition from each communication, such as what was discussed during the communication. As such, the invention allows for subsequent representatives to make decision and take appropriate actions immediately based on the entire relationship, including the results of previous customer communications.

2015012, May 7, 2015

Nov 5, 2013

14/071943

- CHARLOTTE NC, US
RYAN SCOTT HELLER - MIDDLETOWN DE, US
DANIELLE RENEE REISER - WINSTON SALEM NC, US

BANK OF AMERICA CORPORATION - CHARLOTTE NC

H04W 12/08

455411

Embodiments of the invention relate to systems, methods, and computer program products for determining permission to contact. The system, method, and computer program product are configured to determine a contact for a customer; determine when a merchant has received explicit denial to communicate with the customer via the contact; determine when the contact requires permission to communicate with the customer; and determine when permission has been received to communicate with the customer. The system can be used to comply with regulations for when a contact, such as a phone number, may be contacted using automatic dialing technologies.

2015012, May 7, 2015

Nov 5, 2013

14/071995

- CHARLOTTE NC, US
RYAN SCOTT HELLER - MIDDLETOWN DE, US
PATRICK B. SMITH - GARLAND TX, US
HARI MADALA - PITTSBURGH PA, US
SETHU IYER - KENNETT SQUARE PA, US
ANDREW SHELDON - MOUNTAIN TOP PA, US
RICHARD HARDIN STATON - BROOMALL PA, US

BANK OF AMERICA CORPORATION - CHARLOTTE NC

G06Q 30/02

705 729

Embodiments of the disclosure relate to systems, methods, and computer program products for determining velocity data. The system, method, and computer program product are configured to determine one or more contacts for a customer; determine a number of communication attempts to the one or more contacts over a predetermined time period; compare the number of communication attempts over the predetermined time period to a maximum number of attempts over the predetermined time period; and exclude the customer from a contact list when the number of communication attempts is greater than or equal to the maximum number of communication attempts for the predetermined time period. The system allows a user to track the total number of contacts across a variety of metrics in order to comply with business decisions and local rules.

2015012, May 7, 2015

Nov 5, 2013

14/072283

- Charlotte NC, US
Jason N. Alexandrian - Braselton GA, US
Corina Nicole Bacon - Chadds Ford PA, US
David John Butler - Jacksonville FL, US
David W. Crowe - Winston Salem NC, US
Brian J. Dunne - Medford NJ, US
Michael D. Fleischer - Double Oak TX, US
Robert A. Fox - Newark DE, US
Jason Paul Gardner - Murphy TX, US
John J. Gately - New Port Richey FL, US
Oleg Gerasimovich - Tucson AZ, US
David Luke Hallam - Newark DE, US
Ryan Scott Heller - Middletown DE, US
Abigail W. Howard - Fairfax Station VA, US
Sethu Iyer - Kennett Square PA, US
Jessica Long - Middletown DE, US
Hari Madala - Pittsburgh PA, US
Vincent Maximo - Wilmington DE, US
Mohit Mehta - Waxhaw NC, US
Hung Quang Pham - Kennesaw GA, US
Danielle Renee Reiser - Winston Salem NC, US
Andera Schmittgen - Carrollton TX, US
Garith W. Seelig - Smyrna DE, US
Andrew Sheldon - Mountain Top PA, US
Patrick B. Smith - Garland TX, US
Thomas Snyder - Mullica Hill NJ, US
Feng Tang - Palno TX, US
Veera Venkata Vattikuti - Frisco TX, US
David lee Warnick - Rising Sun MD, US
Bridget K. Williams - Wilmington DE, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 20/02
G06Q 50/18

705309

Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships with an entity. This representation focuses on customer products in arrears that are to be recovered. The invention presents an overarching view of all customer relationships to a representative. This allows the representative to make decision and take appropriate actions immediately based on the entire relationship with the customer when a customer communication is initiated. As such, the invention correlates all of the customer's relationships with a financial institution into one unified representation for a representative to review. The unified representation takes into consideration all of the customer's relationships as well as external factors on the communications and relationships. Thus providing a holistic customer service experience for a customer with accounts in arrears.

2015012, Apr 30, 2015

Oct 31, 2013

14/068639

- Charlotte NC, US
Ryan Scott Heller - Middletown DE, US
David Luke Hallam - Newark DE, US

Bank of America Corporation - Charlotte NC

H04L 29/06
G06F 3/0484
G06F 3/0482

715739

Embodiments of the invention include systems and methods for assigning visual representation to contacts. The embodiments include receiving selection criteria, identifying data associated with a plurality of customers meeting the selection criteria, wherein each of the customers is associated with one or more contacts, determining that at least one contact associated with each customer comprises one or more contact statuses, and assigning one or more indicators to the at least one contact based on the one or more statuses. In particular embodiments, the one or more statuses are related to a contact locked status, a contact external request status, a contact geography status, a contact time period status, a contact velocity status, and/or a permission-to-communicate status.