Steven K Hayes

Title: The Innovative Contributions of Steven K. Hayes

Introduction

Steven K. Hayes is a notable inventor based in Bemus Point, NY (US). He has made significant contributions to the field of personal finance through his innovative patents. With a total of 2 patents, Hayes has developed systems that enhance the way individuals manage their financial health.

Latest Patents

Hayes' latest patents include a "Personal Financial Network" and "Systems and Methods for Determining a Financial Health Indicator." The Personal Financial Network patent outlines an apparatus and methods for providing a personal financial network service. This method utilizes an electronic information processing platform to store information related to participant accounts independently. The second patent focuses on a financial health indicator that dynamically assesses a user's financial health based on their creditworthiness and budgeting capabilities. This innovative approach not only tracks financial performance but also offers feedback to help users stay aligned with their budget goals.

Career Highlights

Steven K. Hayes is currently associated with Bank of America Corporation, where he applies his expertise in financial technology. His work has been instrumental in developing tools that empower users to take control of their financial situations.

Collaborations

Hayes has collaborated with notable colleagues, including Susan Smith Thomas and William F. Borowski, contributing to a dynamic work environment that fosters innovation.

Conclusion

In summary, Steven K. Hayes is a distinguished inventor whose work in personal finance technology has the potential to transform how individuals manage their financial health. His patents reflect a commitment to innovation and improving user experience in financial management.