Patents by Inventor James Christopher Noe

James Christopher Noe 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).

  • Patent number: 11574369
    Abstract: Systems, methods, and other embodiments associated with cash pooling. According to one embodiment, a system includes an account logic configured to receive at least one change selected by a user and make the at least one change to a pool. The pool includes a plurality of accounts. The system further includes a settlement logic configured to calculate a balance for one or more accounts in the pool. The settlement logic is further configured to identify at least one settlement options for the one or more accounts based at least in part on the balance.
    Type: Grant
    Filed: August 14, 2020
    Date of Patent: February 7, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: James Christopher Noe, Todd Douglas Simmel, Ken C. Kiernan
  • Patent number: 10783591
    Abstract: Systems, methods, and other embodiments associated with cash pooling. According to one embodiment, a system includes an account logic configured to receive at least one change selected by a user and make the at least one change to a pool. The pool includes a plurality of accounts. The system further includes a settlement logic configured to calculate a balance for one or more accounts in the pool. The settlement logic is further configured to identify at least one settlement options for the one or more accounts based at least in part on the balance.
    Type: Grant
    Filed: December 30, 2015
    Date of Patent: September 22, 2020
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: James Christopher Noe, Todd Douglas Simmel, Ken C Kiernan
  • Patent number: 8300917
    Abstract: A remote deposit capture system for distributed processing of check presentation can sense, or be instructed to differentiate, between deposit document types, including checks, cash withdrawals, and casino markets. Thereby, automated recognition and correction features can be selectively applied to an imaged deposit document. Thereby deposit documents that tend to use identical transaction codes, such as the same routing/transit numbers in magnetic ink character recognition (MICR) code line data, can be effectively processed without a high failure rate due to duplicate detection. Yet the advantages of duplicate detection are still leveraged against other deposit types. Alternatively or in addition, duplicate detection can be selected to not depend upon uniqueness of MICR code line data.
    Type: Grant
    Filed: November 29, 2007
    Date of Patent: October 30, 2012
    Assignee: Wells Fargo Bank N.A.
    Inventors: Joseph Borgia, James Christopher Noe, Christopher George Klapheke
  • Publication number: 20090141962
    Abstract: A remote deposit capture system for distributed processing of check presentation can sense, or be instructed to differentiate, between deposit document types, including checks, cash withdrawals, and casino markets. Thereby, automated recognition and correction features can be selectively applied to an imaged deposit document. Thereby deposit documents that tend to use identical transaction codes, such as the same routing/transit numbers in magnetic ink character recognition (MICR) code line data, can be effectively processed without a high failure rate due to duplicate detection. Yet the advantages of duplicate detection are still leveraged against other deposit types. Alternatively or in addition, duplicate detection can be selected to not depend upon uniqueness of MICR code line data.
    Type: Application
    Filed: November 29, 2007
    Publication date: June 4, 2009
    Applicant: WACHOVIA CORPORATION
    Inventors: Joseph Borgia, James Christopher Noe, Christopher George Klapheke