HOME MAINTENANCE RECOMMENDATION TOOL

• US 20110270773A1
• Filed: 04/30/2010
• Published: 11/03/2011
• Est. Priority Date: 04/30/2010
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Mathies, Marc, Siekman, James, Votaw, Elizabeth S.
• Application Number:
  US12/771,694
• Publication Number:
  US 20110270773A1
• Time in Patent Office: Days
• US Class Current: 705/305
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 10/20 Administration of product repair or maintenance
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/16 Real estate

Abstract

Embodiments of the present invention provide a home maintenance recommendation tool that is incorporated into a user'"'"'s online financial account. The home maintenance recommendation tool, generally provides a user the ability to review, edit, submit, and track home maintenance repairs needed on the one or more properties owned by the user. The home maintenance recommendation tool receives information related to repairs that the property might need through information that is captured when the mortgage is originated, purchased, or serviced, or through purchases made by the user at a business using certain financial accounts. The home maintenance recommendation tool also provides the user the ability to search, identify, receive, and purchase products and services needed to make the suggested repairs through businesses that are strategic partners with the financial institution using the user'"'"'s online financial account.

Claims

1. A home maintenance recommendation system, comprising:

a memory device;

a communication device; and

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute computer-readable program code to;

receive an authentication request to access a home maintenance recommendation application through an online banking application supported by a financial institution;

receive home maintenance metrics for a property in part from data accessed by the financial institution;

determine a maintenance action that a user should perform on the property, based at least in part on the home maintenance metrics; and

display a maintenance action list reporting the maintenance action that the user should perform on the property in a home maintenance interface.

2. The home maintenance recommendation system of claim 1, wherein the home maintenance metrics received are received from a mortgage origination, a mortgage purchase, or a mortgage refinance supported by the financial institution.

3. The home maintenance recommendation system of claim 1, wherein the home maintenance metrics received are received from a purchase the user made.

4. The home maintenance recommendation system of claim 1, wherein the processing device is further configured to:

receive mortgage information for the property for setting up a mortgage account in the online banking application that allows the user to access the home maintenance interface.

5. The home maintenance recommendation system of claim 1, wherein the processing device is further configured to:

generate a product list of one or more products for the maintenance action; and

display the product list of one or more products for the maintenance action to the user.

6. The home maintenance recommendation system of claim 1, wherein the processing device is further configured to:

prompt the user to purchase one or more products for the maintenance action.

7. The home maintenance recommendation system of claim 6, wherein the processing device is further configured to:

prompt the user to have the one or more products for the maintenance action shipped.

8. The home maintenance recommendation system of claim 6, wherein the processing device is further configured to:

prompt the user to pick-up the one or more products for the maintenance action from a store location.

9. The home maintenance recommendation system of claim 1, wherein the processing device is further configured to:

prompt the user to view a product list of one or more products for the maintenance action to purchase at a store location.

11. The home maintenance recommendation system of claim 1, wherein the processing device is further configured to:

receive information related to one or more maintenance actions that the user wants to add to the maintenance action list.

12. The home maintenance recommendation system of claim 1, wherein the processing device is further configured to:

receive information related to one or more products that the user wants to add to the maintenance action.

13. The home maintenance recommendation system of claim 1, wherein the processing device is further configured to:

receive information related to a disposition that the user assigns to the maintenance action.

14. The home maintenance recommendation system of claim 4, wherein the mortgage information comprises an amount of the mortgage, a mortgage payment schedule, or a mortgage account number.

15. The home maintenance recommendation system of claim 1, wherein the home maintenance metrics comprise a home address, size of home, acreage of land, number of rooms, number of bathrooms, flooring type, age of home, date of any major work done on home, the roof type, roof age, furnace type, furnace age, water heater type, water heater age, air conditioner type, air conditioner age, dishwasher type, dishwasher age, fridge types, fridge age, stove type, stove age, siding type, siding age, sewer system type, or sewer system age.

10. (canceled)

16. A home maintenance recommendation method comprising:

receiving an authentication request to access a home maintenance recommendation application through an online banking application supported by a financial institution;

receiving home maintenance metrics for a property in part from data accessed by the financial institution;

determining, through the use of a processor, a maintenance action that the user should perform on the property, based at least in part on the home maintenance metrics; and

displaying a maintenance action list reporting the maintenance action that the user should perform on the property in a home maintenance interface.

17. The home maintenance recommendation method of claim 16, wherein receiving home maintenance metrics comprises receiving home maintenance metrics from a mortgage origination, a mortgage purchase, or a mortgage refinance supported by the financial institution.

18. The home maintenance recommendation method of claim 16, wherein receiving home maintenance metrics comprises receiving home maintenance metrics from a purchase the user made.

19. The home maintenance recommendation method of claim 16, further comprising:

receiving mortgage information for the property for setting up a mortgage account in the online banking application that allows the user to access the home maintenance interface.

20. The home maintenance recommendation method claim 16, further comprising:

generating, through the use of the processor, a product list of one or more products for the maintenance action; and

displaying the product list of one or more products for the maintenance action to the user.

21. The home maintenance recommendation method of claim 16, further comprising:

prompting, through the use of the processor, the user to purchase one or more of the products for the maintenance action.

22. The home maintenance recommendation method of claim 21, further comprising:

prompting, through the use of the processor, the user to have the one or more products for the maintenance action shipped.

23. The home maintenance recommendation method of claim 21, further comprising:

prompting, through the use of the processor, the user to pick-up the one or more products for the maintenance action from a store location.

24. The home maintenance recommendation method of claim 16, further comprising:

prompting, through the use of the processor, the user to view a product list of one or more products for the maintenance action to purchase at a store location.

26. The home maintenance recommendation method of claim 16, further comprising:

receiving, through the use of the processor, information related to one or more maintenance actions that the user wants to add to the maintenance action list.

27. The home maintenance recommendation method of claim 16, further comprising:

receiving, through the use of the processor, information related to adding one or more products that the user wants to add to the maintenance action.

28. The home maintenance recommendation method of claim 16, further comprising:

receiving, through the use of the processor, information related to a disposition that the user assigns to the maintenance action.

29. The home maintenance recommendation method of claim 19, wherein the mortgage information comprises an amount of the mortgage, a mortgage payment schedule, or a mortgage account number.

30. The home maintenance recommendation method of claim 16, wherein the home maintenance metrics comprise a home address, size of home, acreage of land, number of rooms, number of bathrooms, flooring type, age of home, date of any major work done on home, the roof type, roof age, furnace type, furnace age, water heater type, water heater age, air conditioner type, air conditioner age, dishwasher type, dishwasher age, fridge types, fridge age, stove type, stove age, siding type, siding age, sewer system type, or sewer system age.

25. (canceled)

31. A computer program product for a home maintenance recommendation system, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for receiving an authentication request to access a home maintenance recommendation application through an online banking application supported by a financial institution;

an executable portion configured for receiving home maintenance metrics for a property in part from data accessed by the financial institution;

an executable portion configured for determining a maintenance action that the user should perform on the property, based at least in part on the home maintenance metrics; and

an executable portion configured for displaying a maintenance action list reporting the maintenance action that the user should perform on the property in a home maintenance interface.

32. The computer program product of claim 31, wherein the executable portion configured for receiving home maintenance metrics comprises an executable portion configured for receiving home maintenance metrics from a mortgage origination, a mortgage purchase, or a mortgage refinance supported by the financial institution.

33. The computer program product of claim 31, wherein the executable portion configured for receiving home maintenance metrics comprises an executable portion configured for receiving home maintenance metrics from a purchase the user made.

34. The computer program product of claim 31, further comprising:

an excludable portion configured for receiving mortgage information for the property for setting up a mortgage account in the online banking application that allows the user to access the home maintenance interface.

35. The computer program product of claim 31, further comprising:

an executable portion configured for generating a product list of one or more products for the maintenance action; and

an executable portion configured for displaying the product list of one or more products for the maintenance action to the user.

36. The computer program product of claim 31, further comprising:

an executable portion configured for prompting the user to purchase one or more of the products for the maintenance action.

37. The computer program product of claim 36, further comprising:

an executable portion configured for prompting the user to have the one or more products for the maintenance action shipped.

38. The computer program product of claim 36, further comprising:

an executable portion configured for prompting the user to pick-up the one or more products for the maintenance action from a store location.

39. The computer program product of claim 31, further comprising:

an executable portion configured for prompting the user to view a product list of one or more products for the maintenance action to purchase at store location.

41. The computer program product of claim 31, further comprising:

an executable portion configured for receiving information related to one or more maintenance actions that the user wants to add to the maintenance action list.

42. The computer program product of claim 31, further comprising:

an executable portion configured for receiving information related to adding one or more products that the user wants to add to the maintenance action.

43. The computer program product of claim 31, further comprising:

an executable portion configured for receiving information related to a disposition that the user assigns to the maintenance action.

44. The computer program product of claim 34, wherein the mortgage information comprises an amount of the mortgage, a mortgage payment schedule, or a mortgage account number.

45. The computer program product of claim 31, wherein the home maintenance metrics comprise a home address, size of home, acreage of land, number of rooms, number of bathrooms, flooring type, age of home, date of any major work done on home, the roof type, roof age, furnace type, furnace age, water heater type, water heater age, air conditioner type, air conditioner age, dishwasher type, dishwasher age, fridge types, fridge age, stove type, stove age, siding type, siding age, sewer system type, or sewer system age.

40. (canceled)

46. An online banking home maintenance recommendation system, comprising:

a memory device;

a communication device; and

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute computer-readable program code to;

receive an authentication request to access a home maintenance recommendation application through an online banking application supported by a financial institution;

receive home maintenance metrics for a property in the online banking application in part from data accessed by the financial institution;

determine a maintenance action that a user should perform on the property, based at least in part on the home maintenance metrics; and

display a maintenance action list reporting the maintenance action that the user should perform on the property in a home maintenance interface in the online banking application.

47. The home maintenance recommendation system of claim 46, wherein the home maintenance metrics received are received from a mortgage origination, a mortgage purchase, a mortgage refinance, or from a from a purchase the user made supported by the financial institution.

48. An online banking home maintenance recommendation method comprising:

receiving an authentication request to access a home maintenance recommendation application through an online banking application supported by a financial institution;

receiving home maintenance metrics for a property in the online banking application in part from data accessed by the financial institution;

determining, through the use of a processor, a maintenance action that the user should perform on the property, based at least in part on the home maintenance metrics; and

displaying a maintenance action list reporting the maintenance action that the user should perform on the property in a home maintenance interface in the online banking application.

49. The home maintenance recommendation method of claim 48, wherein receiving home maintenance metrics comprises receiving home maintenance metrics from a mortgage origination, a mortgage purchase, a mortgage refinance, or from a purchase the user made supported by the financial institution.