The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 14, 2010
Filed:
Oct. 31, 2006
Catherine H Ackert, Seattle, WA (US);
Louann Aheron, Charlotte, NC (US);
Michelle Calarco, Charlotte, NC (US);
Glenn Earl Eickenhorst, Charlotte, NC (US);
Anahita English, Charlotte, NC (US);
Marcus Brian Howell, Charlotte, NC (US);
Caroline Beal Stott, Gastonia, NC (US);
Deborah M Winick, Carmel, CA (US);
Catherine H Ackert, Seattle, WA (US);
LouAnn Aheron, Charlotte, NC (US);
Michelle Calarco, Charlotte, NC (US);
Glenn Earl Eickenhorst, Charlotte, NC (US);
Anahita English, Charlotte, NC (US);
Marcus Brian Howell, Charlotte, NC (US);
Caroline Beal Stott, Gastonia, NC (US);
Deborah M Winick, Carmel, CA (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
A business may uniformly calculate and offer a fee refund to customers requesting refunds for fees charged to the customers' accounts. Rather than relying on individual employee discretion, a server may use account information and customer information to generate the fee refund amount to be offered to the customer. The calculated refund amount may be based on a variety of considerations including, but not limited to, the amount the account is overdrawn, the profitability of the account, the number of occurrences of charged fees, and/or other factors such as family relationships to other bank customers. Additionally, a fee refund offer may be stored and referred to when the customer subsequently requests a refund.