Bank of America Corporation

William F Borowski

Susan Smith Thomas

Shane Anthony Johnson

James P Kirkman

Jeffrey H Bierer

Kazi M Ariff

Neal G Wolfson

Sean M O'Connor

Russell W Tipper

Jeffrey P Judd

William J Aheron

Yicong Li

Carol A Smith

Judith M Anderson

Steven K Hayes

Thomas D Kelley

Willard H Waldron, Iii

Felix A Mon

Helene Urban Mele

Jason Michael Ackiss

Maile George

Robert Fleetwood Armstrong

Carl Frederick, Ii

Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.

Cash folding apparatus and method

Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another.

Personal financial network

Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.

Systems and methods for determining a financial health indicator

A method for providing a life calendar for a user includes gathering and tracking user data. The user data includes data associated with user-specific events and financial data. Recommendations are determined for the life calendar user based on the user data and may be refined based on bank data. Upon request, the life calendar is presented to the user populated with at least one of user data, user events, and recommendations.

Life calendar

Embodiments of the present invention relate to systems, methods and computer program products for automatically reallocating assets by directing assets from a primary fund to secondary fund, where the primary and secondary funds have distinct but complementary investment strategies. For example, to reallocate assets held in a primary portfolio of a mutual fund, embodiments of the present invention create a secondary portfolio within the mutual fund. Then, using earnings from the primary portfolio, embodiments of the present invention purchase at least one asset to be held in the secondary portfolio and grow that asset by continuing to direct earnings from the primary portfolio to the secondary portfolio. When the asset reaches a predetermined size, embodiments of the present invention transfer the asset to a newly created and separately managed mutual fund.

Asset reallocation

Growing community of inventors

Millbury, MA, United States of America

William F Borowski