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:
Aug. 06, 2013
Filed:
Oct. 29, 2010
Maura Louise Griffin, Atlanta, GA (US);
Mary Palmer Harman, Darien, CT (US);
Robert George Shiflet, Jr., Kennett Square, PA (US);
Teresa Hegdahl Stigler, San Francisco, CA (US);
David G. Turner, Wilmington, DE (US);
Donna Dee Turner, Huntersville, NC (US);
Maura Louise Griffin, Atlanta, GA (US);
Mary Palmer Harman, Darien, CT (US);
Robert George Shiflet, Jr., Kennett Square, PA (US);
Teresa Hegdahl Stigler, San Francisco, CA (US);
David G. Turner, Wilmington, DE (US);
Donna Dee Turner, Huntersville, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provides for determining one or more activity baseline scores, each score associated with one or more activities and based at least in part on financial institution data from multiple financial institutions. The activity baseline score defines a normal risk or baseline activity for a customer, a customer segment or customer population. Further, the invention provides for monitoring at least the financial institution data to determine deviations from the activity baseline score(s) and generating and initiating communication of risk score alerts and/or activity baseline deviation alerts based on predetermined activity baseline deviations. Additional embodiments provide for determining a risk score based on risk patterns associated with financial institution data and, in some embodiments, non-financial institution data.