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:
Feb. 04, 2014
Filed:
Oct. 23, 2008
Thayer Allison, Charlotte, NC (US);
Robert Caruso, Charlotte, NC (US);
Sudeshna Banerjee, Charlotte, NC (US);
Debashis Ghosh, Charlotte, NC (US);
Kurt Newman, Charlotte, NC (US);
David Joa, Charlotte, NC (US);
Arun Pinto, Charlotte, NC (US);
Yanghong Shao, Charlotte, NC (US);
Thayer Allison, Charlotte, NC (US);
Robert Caruso, Charlotte, NC (US);
Sudeshna Banerjee, Charlotte, NC (US);
Debashis Ghosh, Charlotte, NC (US);
Kurt Newman, Charlotte, NC (US);
David Joa, Charlotte, NC (US);
Arun Pinto, Charlotte, NC (US);
Yanghong Shao, Charlotte, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.