Patents by Inventor Michael Matthew Wisser

Michael Matthew Wisser 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: 11403601
    Abstract: A system for performing secure maintenance on automated machines may include a maintenance management apparatus and an automated machine. The maintenance management apparatus is configured for scheduling the maintenance appointment for the automated machine, in response to scheduling the maintenance appointment and creating and communicating a maintenance security code to the automated machine. The automated machine is configured for receiving a request from a maintenance provider to initiate the maintenance appointment, validating the maintenance provider using the maintenance security code and providing access to a secure item storage unit, determining that the maintenance provider has completed the maintenance appointment, and communicating information associated with the maintenance appointment to the maintenance management apparatus and/or a computing device of the maintenance provider.
    Type: Grant
    Filed: May 9, 2019
    Date of Patent: August 2, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Eric Dryer, Jeffrey R. Goertz, Douglas Scott Wilson, Carl Parziale, Michael Matthew Wisser, Edwin Andrew Wegleitner, Colleen Marie Powers, Gary L. Best, Jr., Jennifer Ann Raley
  • Patent number: 11308457
    Abstract: A system for performing secure maintenance on automated machines may include a maintenance management apparatus and an automated machine. The maintenance management apparatus is configured for scheduling the maintenance appointment for the automated machine, in response to scheduling the maintenance appointment and creating and communicating a maintenance security code to the automated machine. The automated machine is configured for receiving a request from a maintenance provider to initiate the maintenance appointment, validating the maintenance provider using the maintenance security code and providing access to a secure item storage unit, determining that the maintenance provider has completed the maintenance appointment, and communicating information associated with the maintenance appointment to the maintenance management apparatus and/or a computing device of the maintenance provider.
    Type: Grant
    Filed: May 9, 2019
    Date of Patent: April 19, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Eric Dryer, Jeffrey R. Goertz, Douglas Scott Wilson, Carl Parziale, Michael Matthew Wisser, Edwin Andrew Wegleitner, Colleen Marie Powers, Gary L. Best, Jr., Jennifer Ann Raley
  • Patent number: 11151521
    Abstract: A system for performing secure maintenance on automated machines may include a maintenance management apparatus and an automated machine. The maintenance management apparatus is configured for scheduling the maintenance appointment for the automated machine, in response to scheduling the maintenance appointment and creating and communicating a maintenance security code to the automated machine. The automated machine is configured for receiving a request from a maintenance provider to initiate the maintenance appointment, validating the maintenance provider using the maintenance security code and providing access to a secure item storage unit, determining that the maintenance provider has completed the maintenance appointment, and communicating information associated with the maintenance appointment to the maintenance management apparatus and/or a computing device of the maintenance provider.
    Type: Grant
    Filed: May 9, 2019
    Date of Patent: October 19, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Eric Dryer, Jeffrey R. Goertz, Douglas Scott Wilson, Carl Parziale, Michael Matthew Wisser, Edwin Andrew Wegleitner, Colleen Marie Powers, Gary L. Best, Jr., Jennifer Ann Raley
  • Publication number: 20200357248
    Abstract: A system for performing secure maintenance on automated machines may include a maintenance management apparatus and an automated machine. The maintenance management apparatus is configured for scheduling the maintenance appointment for the automated machine, in response to scheduling the maintenance appointment and creating and communicating a maintenance security code to the automated machine. The automated machine is configured for receiving a request from a maintenance provider to initiate the maintenance appointment, validating the maintenance provider using the maintenance security code and providing access to a secure item storage unit, determining that the maintenance provider has completed the maintenance appointment, and communicating information associated with the maintenance appointment to the maintenance management apparatus and/or a computing device of the maintenance provider.
    Type: Application
    Filed: May 9, 2019
    Publication date: November 12, 2020
    Applicant: Bank of America Corporation
    Inventors: Eric Dryer, Jeffrey R. Goertz, Douglas Scott Wilson, Carl Parziale, Michael Matthew Wisser, Edwin Andrew Wegleitner, Colleen Marie Powers, Gary L. Best, JR., Jennifer Ann Raley
  • Publication number: 20200356960
    Abstract: A system for performing secure maintenance on automated machines may include a maintenance management apparatus and an automated machine. The maintenance management apparatus is configured for scheduling the maintenance appointment for the automated machine, in response to scheduling the maintenance appointment and creating and communicating a maintenance security code to the automated machine. The automated machine is configured for receiving a request from a maintenance provider to initiate the maintenance appointment, validating the maintenance provider using the maintenance security code and providing access to a secure item storage unit, determining that the maintenance provider has completed the maintenance appointment, and communicating information associated with the maintenance appointment to the maintenance management apparatus and/or a computing device of the maintenance provider.
    Type: Application
    Filed: May 9, 2019
    Publication date: November 12, 2020
    Applicant: Bank of America Corporation
    Inventors: Eric Dryer, Jeffrey R. Goertz, Douglas Scott Wilson, Carl Parziale, Michael Matthew Wisser, Edwin Andrew Wegleitner, Colleen Marie Powers, Gary L. Best, Jr., Jennifer Ann Raley
  • Publication number: 20200356959
    Abstract: A system for performing secure maintenance on automated machines may include a maintenance management apparatus and an automated machine. The maintenance management apparatus is configured for scheduling the maintenance appointment for the automated machine, in response to scheduling the maintenance appointment and creating and communicating a maintenance security code to the automated machine. The automated machine is configured for receiving a request from a maintenance provider to initiate the maintenance appointment, validating the maintenance provider using the maintenance security code and providing access to a secure item storage unit, determining that the maintenance provider has completed the maintenance appointment, and communicating information associated with the maintenance appointment to the maintenance management apparatus and/or a computing device of the maintenance provider.
    Type: Application
    Filed: May 9, 2019
    Publication date: November 12, 2020
    Applicant: Bank of America Corporation
    Inventors: Eric Dryer, Jeffrey R. Goertz, Douglas Scott Wilson, Carl Parziale, Michael Matthew Wisser, Edwin Andrew Wegleitner, Colleen Marie Powers, Gary L. Best, Jr., Jennifer Ann Raley
  • Publication number: 20200356961
    Abstract: A system for performing secure maintenance on automated machines may include a maintenance management apparatus and an automated machine. The maintenance management apparatus is configured for scheduling the maintenance appointment for the automated machine, in response to scheduling the maintenance appointment and creating and communicating a maintenance security code to the automated machine. The automated machine is configured for receiving a request from a maintenance provider to initiate the maintenance appointment, validating the maintenance provider using the maintenance security code and providing access to a secure item storage unit, determining that the maintenance provider has completed the maintenance appointment, and communicating information associated with the maintenance appointment to the maintenance management apparatus and/or a computing device of the maintenance provider.
    Type: Application
    Filed: May 9, 2019
    Publication date: November 12, 2020
    Applicant: Bank of America Corporation
    Inventors: Eric Dryer, Jeffrey R. Goertz, Douglas Scott Wilson, Carl Parziale, Michael Matthew Wisser, Edwin Andrew Wegleitner, Colleen Marie Powers, Gary L. Best, Jr., Jennifer Ann Raley
  • Patent number: 10818146
    Abstract: A system for performing secure maintenance on automated machines may include a maintenance management apparatus and an automated machine. The maintenance management apparatus is configured for scheduling the maintenance appointment for the automated machine, in response to scheduling the maintenance appointment and creating and communicating a maintenance security code to the automated machine. The automated machine is configured for receiving a request from a maintenance provider to initiate the maintenance appointment, validating the maintenance provider using the maintenance security code and providing access to a secure item storage unit, determining that the maintenance provider has completed the maintenance appointment, and communicating information associated with the maintenance appointment to the maintenance management apparatus and/or a computing device of the maintenance provider.
    Type: Grant
    Filed: May 9, 2019
    Date of Patent: October 27, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Eric Dryer, Jeffrey R. Goertz, Douglas Scott Wilson, Carl Parziale, Michael Matthew Wisser, Edwin Andrew Wegleitner, Colleen Marie Powers, Gary L. Best, Jr., Jennifer Ann Raley
  • Publication number: 20190279170
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for dynamic resource management for managing payment exception processing and maximize work flow. In this way, the system may lift data from financial documents received from sources to allow for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative checks that may result in a failure to match the check to an associated account for processing. As such, once an exception is identified during the processing the exception is directed to an appropriate resource for processing. The system monitors work flow nodes and resource experience to prevent bottlenecks or underutilization. Furthermore, the system employs awards and gamification models for exception processing.
    Type: Application
    Filed: May 28, 2019
    Publication date: September 12, 2019
    Applicant: Bank of America Corporation
    Inventors: Michael Gerald Smith, James F. Barrett, II, Andrew Patrick Bastnagel, Joshua Allen Beaudry, Eric Dryer, Shawn Cart Gunsolley, Marshall Bright Thompson, Michael Matthew Wisser
  • Patent number: 10373128
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for dynamic resource management for managing payment exception processing and maximize work flow. In this way, the system may lift data from financial documents received from sources to allow for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative checks that may result in a failure to match the check to an associated account for processing. As such, once an exception is identified during the processing the exception is directed to an appropriate resource for processing. The system monitors work flow nodes and resource experience to prevent bottlenecks or underutilization. Furthermore, the system employs awards and gamification models for exception processing.
    Type: Grant
    Filed: June 25, 2015
    Date of Patent: August 6, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Michael Gerald Smith, James F. Barrett, II, Andrew Patrick Bastnagel, Joshua Allen Beaudry, Eric Dryer, Shawn Cart Gunsolley, Marshall Bright Thompson, Michael Matthew Wisser
  • Patent number: 10229395
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for predictive determination and resolution of an exception located on a negotiable instrument. The exception may be an indicia that includes data related to the payor, payment accounts, or payee. An indicia may not be identified successfully and thus be queued for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative indicia points on a negotiable instrument that may result in a failure to match the check to an account for processing. Upon identifying an exception, the system retrieves historical transaction data associated with the resolved indicia. Subsequently, utilizing the resolved indicia, the system may determine a value for the exception identified based on the retrieved historical transaction data. Finally, the determined value may be stored with the negotiable instrument to complete the payment reconciliation process.
    Type: Grant
    Filed: June 25, 2015
    Date of Patent: March 12, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Michael Gerald Smith, James F. Barrett, II, Andrew Patrick Bastnagel, Joshua Allen Beaudry, Eric Dryer, Shawn Cart Gunsolley, Marshall Bright Thompson, Michael Matthew Wisser
  • Patent number: 10115081
    Abstract: Embodiments of the invention monitor node usage in a transaction processing system. Embodiments include accessing a dynamic mapping of transaction flow in the transaction processing system, the dynamic mapping including a plurality of transaction pathways interconnected by transaction nodes, wherein the transaction nodes represent an automated processing step or action taken by a manual station of the transaction processing system on transactions files that are received at the transaction nodes; wherein the transaction processing system processes a transaction file at a first node and stores information corresponding to the first node and the type of processing that occurred at the first node with the transaction file; determining that the transaction file was processed at the first node; accessing the transaction file to determine the type of processing that occurred at the first node; and performing an action related to the type of processing that occurred at the first node.
    Type: Grant
    Filed: June 25, 2015
    Date of Patent: October 30, 2018
    Assignee: Bank of America Corporation
    Inventors: Michael Gerald Smith, Joshua Allen Beaudry, Eric Dryer, Marshall Bright Thompson, Shawn Cart Gunsolley, Michael Matthew Wisser, Andrew Patrick Bastnagel, James F. Barrett, II
  • Patent number: 10049350
    Abstract: Disclosed are systems, methods, and computer program products that provide for element level presentation of elements of a payment instrument for exceptions processing. More specifically, the invention involves identifying an exception element from an image of a financial document, determining the location of the exception element based on its coordinates within the image of the financial document, and providing a zoomed-in view of the exception element to the user along with information and resources to allow a user to conveniently conduct accurate analysis of the exception element. The system then receives a correct element from the user to replace the exception element, and then processes the financial document using the replaced correct element instead of the exception element.
    Type: Grant
    Filed: June 25, 2015
    Date of Patent: August 14, 2018
    Assignee: Bank of America Corporation
    Inventors: Michael Gerald Smith, Eric Dryer, Joshua Allen Beaudry, James F. Barrett, II, Shawn Cart Gunsolley, Michael Matthew Wisser, Andrew Patrick Bastnagel, Marshall Bright Thompson
  • Publication number: 20160379190
    Abstract: Disclosed are systems, methods, and computer program products that provide for element level presentation of elements of a payment instrument for exceptions processing. More specifically, the invention involves identifying an exception element from an image of a financial document, determining the location of the exception element based on its coordinates within the image of the financial document, and providing a zoomed-in view of the exception element to the user along with information and resources to allow a user to conveniently conduct accurate analysis of the exception element. The system then receives a correct element from the user to replace the exception element, and then processes the financial document using the replaced correct element instead of the exception element.
    Type: Application
    Filed: June 25, 2015
    Publication date: December 29, 2016
    Inventors: Michael Gerald Smith, Eric Dryer, Joshua Allen Beaudry, James F. Barrett, II, Shawn Cart Gunsolley, Michael Matthew Wisser, Andrew Patrick Bastnagel, Marshall Bright Thompson
  • Publication number: 20160379184
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for dynamic resource management for managing payment exception processing and maximize work flow. In this way, the system may lift data from financial documents received from sources to allow for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative checks that may result in a failure to match the check to an associated account for processing. As such, once an exception is identified during the processing the exception is directed to an appropriate resource for processing. The system monitors work flow nodes and resource experience to prevent bottlenecks or underutilization. Furthermore, the system employs awards and gamification models for exception processing.
    Type: Application
    Filed: June 25, 2015
    Publication date: December 29, 2016
    Inventors: Michael Gerald Smith, James F. Barrett, II, Andrew Patrick Bastnagel, Joshua Allen Beaudry, Eric Dryer, Shawn Cart Gunsolley, Marshall Bright Thompson, Michael Matthew Wisser
  • Publication number: 20160379186
    Abstract: Disclosed are systems, methods, and computer program products that provide for element level confidence scoring of elements of a payment instrument for exceptions processing. More specifically, the invention involves receiving a threshold confidence score, identifying elements within an image of a financial document, determining a confidence score for each element, wherein the confidence score is based on a likelihood that the identified element is the correct alphanumeric character from the image of the financial document, determining that a first element has a confidence score below the threshold confidence score, and providing the first element to a user for exception element processing. The system then receives a correct element from the user to replace the first element, and then processes the financial document using the replaced element instead of the first element.
    Type: Application
    Filed: June 25, 2015
    Publication date: December 29, 2016
    Inventors: Michael Gerald Smith, Eric Dryer, Joshua Allen Beaudry, James F. Barrett, II, Shawn Cart Gunsolley, Michael Matthew Wisser, Andrew Patrick Bastnagel, Marshall Bright Thompson
  • Publication number: 20160379199
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for ensuring payment instrument batch integrity. Embodiments determine an expected balance associated with a batch of payment instruments; determine an amount associated with each of the payment instruments in the batch; sum the amounts, resulting in a total balance; compare the total balance with the expected balance; determine that the total balance is not equal to the expected balance; in response to determining that the total balance is not equal to the expected balance, identify payee information extracted from at least one of the payment instruments; and use the identified payee information to determine an outlier payment instrument.
    Type: Application
    Filed: June 25, 2015
    Publication date: December 29, 2016
    Inventors: Michael Gerald Smith, Joshua Allen Beaudry, Eric Dryer, Marshall Bright Thompson, Shawn Cart Gunsolley, Michael Matthew Wisser, Andrew Patrick Bastnagel, James F. Barrett, II
  • Publication number: 20160379180
    Abstract: Embodiments of the invention monitor node usage in a transaction processing system. Embodiments include accessing a dynamic mapping of transaction flow in the transaction processing system, the dynamic mapping including a plurality of transaction pathways interconnected by transaction nodes, wherein the transaction nodes represent an automated processing step or action taken by a manual station of the transaction processing system on transactions files that are received at the transaction nodes; wherein the transaction processing system processes a transaction file at a first node and stores information corresponding to the first node and the type of processing that occurred at the first node with the transaction file; determining that the transaction file was processed at the first node; accessing the transaction file to determine the type of processing that occurred at the first node; and performing an action related to the type of processing that occurred at the first node.
    Type: Application
    Filed: June 25, 2015
    Publication date: December 29, 2016
    Inventors: Michael Gerald Smith, Joshua Allen Beaudry, Eric Dryer, Marshall Bright Thompson, Shawn Cart Gunsolley, Michael Matthew Wisser, Andrew Patrick Bastnagel, James F. Barrett, II
  • Publication number: 20160379185
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for predictive determination and resolution of an exception located on a negotiable instrument. The exception may be an indicia that includes data related to the payor, payment accounts, or payee. An indicia may not be identified successfully and thus be queued for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative indicia points on a negotiable instrument that may result in a failure to match the check to an account for processing. Upon identifying an exception, the system retrieves historical transaction data associated with the resolved indicia. Subsequently, utilizing the resolved indicia, the system may determine a value for the exception identified based on the retrieved historical transaction data. Finally, the determined value may be stored with the negotiable instrument to complete the payment reconciliation process.
    Type: Application
    Filed: June 25, 2015
    Publication date: December 29, 2016
    Inventors: Michael Gerald Smith, James F. Barrett, II, Andrew Patrick Bastnagel, Joshua Allen Beaudry, Eric Dryer, Shawn Cart Gunsolley, Marshall Bright Thompson, Michael Matthew Wisser