USER SOLUTIONS ONLINE PURCHASING

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United States of America Patent

APP PUB NO 20130110668A1
SERIAL NO

13359551

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A method, apparatus, computer-readable medium and system are disclosed for presenting product and service offerings to a user. In some embodiments, dynamic messaging may be used to facilitate comparison shopping, allowing a user to select a product or service that best meets the user's needs. In some embodiments, the terms or conditions associated with an offer may be based on a user's relationship with the product or service provider. For example, accounts that the user has with the provider may be analyzed to determine what terms or conditions the user is eligible for. The accounts may be linked to one another, optionally upon the request of the user, to facilitate the analysis. In some embodiments, the product or service offerings may be associated with a financial institution, such as a bank. Suggested or recommended terms and conditions may be dynamically updated as a user progresses through an application process.

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Patent Owner(s)

Patent OwnerAddress
BANK OF AMERICA CORPORATIONMAILCODE NC1-028-29-04 ONE BANK OF AMERICA CENTER 150 N COLLEGE STREET CHARLOTTE NC 28255

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Blanchard, James Arthur Midland, US 1 12
Bogart, Lisa L Williamsville, US 1 12
Childress, Kim Elizabeth Charlotte, US 1 12
Dintenfass, Katherine Kei-Zen Charlotte, US 19 17
Hart, Melissa Christine Derville Cornelius, US 3 12
Johansen, Joseph Neil Rock Hill, US 46 871
May, Kevin Clark Waxhaw, US 3 21
Mooney, Anh Aragon Rolesville, US 1 12
Taylor, Preston J Stallings, US 2 28

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