Patents by Inventor Geoffrey Reed Williams
Geoffrey Reed Williams has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11361330Abstract: Systems, computer program products, and methods are described herein for document presentment and fulfillment based on pattern analytics. The present invention is configured to determine one or more resource transfers executed by one or more users, wherein the one or more resource transfers are executed in response to one or more resource transfer requests; retrieve information associated with the one or more resource transfers executed by the one or more users; initiate one or more machine learning algorithms on the retrieved information; determine a pattern associated with the one or more resource transfers executed by the one or more users based on at least the retrieved information; and re-configure the one or more resource transfer requests based on at least the pattern associated with the one or more resource transfers executed by the one or more users.Type: GrantFiled: August 22, 2018Date of Patent: June 14, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Kerry Michelle Cantley, Geoffrey Reed Williams
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Patent number: 10606536Abstract: Embodiments of the invention are directed to a system, method, or computer program product for intelligent systematic physical document fulfillment. Feeding a generated artificial intelligent engine one or more carrier information, geographic information, regulatory information, cost analytics, and/or user analytics in real-time. The invention performs predictive analytic processing for best mode of generation and distribution of physical documents that satisfy the user expectations, regulatory compliance, and efficiency. As such, the invention generates an optimized document printing and distribution schedule for user physical document printing and distribution.Type: GrantFiled: August 17, 2018Date of Patent: March 31, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Kerry Michelle Cantley, Robert Edward Marshall, Geoffrey Reed Williams
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Publication number: 20200065833Abstract: Systems, computer program products, and methods are described herein for document presentment and fulfillment based on pattern analytics.Type: ApplicationFiled: August 22, 2018Publication date: February 27, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Kerry Michelle Cantley, Geoffrey Reed Williams
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Publication number: 20200057588Abstract: Embodiments of the invention are directed to a system, method, or computer program product for intelligent systematic physical document fulfillment. Feeding a generated artificial intelligent engine one or more carrier information, geographic information, regulatory information, cost analytics, and/or user analytics in real-time. The invention performs predictive analytic processing for best mode of generation and distribution of physical documents that satisfy the user expectations, regulatory compliance, and efficiency. As such, the invention generates an optimized document printing and distribution schedule for user physical document printing and distribution.Type: ApplicationFiled: August 17, 2018Publication date: February 20, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Kerry Michelle Cantley, Robert Edward Marshall, Geoffrey Reed Williams
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Patent number: 10437880Abstract: Embodiments of the invention include systems, methods, and computer-program products for a feedback loop for enhancing archive validation and retention parameter determination for documents. The system may generate or receive image documents. Utilizing image quality and data storage metrics the system may trigger the purging and/or retention of documents in image and/or paper form. Upon retention, the system may continually monitor the documents and store metadata associated with the use of the retained documents. Once the documents are purged, the system compiles historic data points associated with the image quality and data storage metrics. Furthermore, the system extracts the metadata associated with the monitoring of retained documents. These data points and metadata are reviewed to provide revisions in retention parameters for specific documents. A feedback loop directly communicates and integrates the revisions to the metric and criteria for instant integration.Type: GrantFiled: February 8, 2016Date of Patent: October 8, 2019Assignee: BANK OF AMERICA CORPORATIONInventors: Kerry M. Cantley, Shawn Cart Gunsolley, Erin Cassell, Jeffrey R. Goertz, Geoffrey Reed Williams, Deborah A. Copes, Carl Parziale, Emily Brooke Gillespie, David Jacob Feezor
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Patent number: 10437778Abstract: Embodiments of the invention include systems, methods, and computer-program products for archive validation and retention parameter determination for documents. The system may generate or receive image documents. Utilizing image quality and data storage metrics the system may trigger the purging and/or retention of documents in image and/or paper form. Furthermore, the system may identify a duration of storage, location of storage, and the like. Upon retention, the system may continually monitor the documents and store metadata associated with the use of the retained documents. This monitoring may identify a period for purging the document, efficiently allowing for physical or server space availability.Type: GrantFiled: February 8, 2016Date of Patent: October 8, 2019Assignee: BANK OF AMERICA CORPORATIONInventors: Kerry M. Cantley, Shawn Cart Gunsolley, Erin Cassell, Jeffrey R. Goertz, Geoffrey Reed Williams, Deborah A. Copes, Carl Parziale, Emily Brooke Gillespie, David Jacob Feezor
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Publication number: 20170228397Abstract: Embodiments of the invention include systems, methods, and computer-program products for a feedback loop for enhancing archive validation and retention parameter determination for documents. The system may generate or receive image documents. Utilizing image quality and data storage metrics the system may trigger the purging and/or retention of documents in image and/or paper form. Upon retention, the system may continually monitor the documents and store metadata associated with the use of the retained documents. Once the documents are purged, the system compiles historic data points associated with the image quality and data storage metrics. Furthermore, the system extracts the metadata associated with the monitoring of retained documents. These data points and metadata are reviewed to provide revisions in retention parameters for specific documents. A feedback loop directly communicates and integrates the revisions to the metric and criteria for instant integration.Type: ApplicationFiled: February 8, 2016Publication date: August 10, 2017Inventors: Kerry M. Cantley, Shawn Cart Gunsolley, Erin Cassell, Jeffrey R. Goertz, Geoffrey Reed Williams, Deborah A. Copes, Carl Parziale, Emily Brooke Gillespie, David Jacob Feezor
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Publication number: 20170228386Abstract: Embodiments of the invention include systems, methods, and computer-program products for archive validation and retention parameter determination for documents. The system may generate or receive image documents. Utilizing image quality and data storage metrics the system may trigger the purging and/or retention of documents in image and/or paper form. Furthermore, the system may identify a duration of storage, location of storage, and the like. Upon retention, the system may continually monitor the documents and store metadata associated with the use of the retained documents. This monitoring may identify a period for purging the document, efficiently allowing for physical or server space availability.Type: ApplicationFiled: February 8, 2016Publication date: August 10, 2017Inventors: Kerry M. Cantley, Shawn Cart Gunsolley, Erin Cassell, Jeffrey R. Goertz, Geoffrey Reed Williams, Deborah A. Copes, Carl Parziale, Emily Brooke Gillespie, David Jacob Feezor
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Patent number: 9098765Abstract: Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database.Type: GrantFiled: February 15, 2013Date of Patent: August 4, 2015Assignee: Bank of America CorporationInventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Patent number: 9082007Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using templates or generic control documents. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using document templates. As such, the invention may compile templates for image documents. Upon receiving a document from a transaction for storage, the system may store the metadata associated with that document, instead of storing the entire document as a high resolution image file. Using the template, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.Type: GrantFiled: February 15, 2013Date of Patent: July 14, 2015Assignee: Bank of America CorporationInventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
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Patent number: 9047317Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for determining a storage location for an image of a check. In some embodiments, a system is configured to: receive an image of a check, the image being associated with an account associated with a user; analyze check retrieval activity associated with the account; determine, based on the check retrieval activity, a storage location for the image; and store the image at the storage location.Type: GrantFiled: February 15, 2013Date of Patent: June 2, 2015Assignee: Bank of America CorporationInventors: Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Patent number: 9031308Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database.Type: GrantFiled: February 15, 2013Date of Patent: May 12, 2015Assignee: Bank of America CorporationInventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Patent number: 9025851Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.Type: GrantFiled: February 15, 2013Date of Patent: May 5, 2015Assignee: Bank of America CorporationInventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
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Publication number: 20150046333Abstract: A duplicate detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The regional or central processing system may receive capture documents from multiple capture sites. The processing system may analyze the captured documents to identify and flag false-positives prior to performing duplicate detection. Duplicate detection may be performed in accordance with predefined rules associated with false-positive flags. Once duplicate detection is complete, suspected duplicates may undergo manual review while non-duplicates are released for posting or dispatching.Type: ApplicationFiled: July 16, 2014Publication date: February 12, 2015Inventors: George Miller Abernethy, Melinda Hiler, David Wellington McMann, Stephen David Poinier, Geoffrey Reed Williams
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Publication number: 20140233836Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using templates or generic control documents. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using document templates. As such, the invention may compile templates for image documents. Upon receiving a document from a transaction for storage, the system may store the metadata associated with that document, instead of storing the entire document as a high resolution image file. Using the template, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
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Publication number: 20140233837Abstract: Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Publication number: 20140236791Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing image retrieval based on transaction identification. An exemplary apparatus is configured to: capture an image of a document. The document is typically associated with a transaction ID. Upon capturing the document image the system may process the image of the document to collect document information, and subsequently store the document information. The system may later receive a request for the document information that is similarly associated with the transaction ID. This document information is retrieved based at least partially on the request. An activity log may be additionally created which comprises a record of one or more request associated with the transaction ID.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Geoffrey Reed Williams
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Publication number: 20140233831Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for determining a storage location for an image of a check. In some embodiments, a system is configured to: receive an image of a check, the image being associated with an account associated with a user; analyze check retrieval activity associated with the account; determine, based on the check retrieval activity, a storage location for the image; and store the image at the storage location.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: Bank of America CorporationInventors: Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Publication number: 20140236790Abstract: Embodiments for modifying financial record data, such as check images, are provided herein. The embodiments include receiving financial record data; identifying one or more criteria associated with the financial record data; quantifying the size of the one or more criteria; modifying at least a portion of the financial record data based on size of the one or more criteria; and providing at least a portion of the received financial record data or modified financial record data to a recipient.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Michael Gerald Smith, Timmy L. Gauvin, Craig David Palmer, Eric Scott Sandoz, Geoffrey Reed Williams
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Publication number: 20140233835Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon