Patents by Inventor Tommi Levi
Tommi Levi 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: 10223680Abstract: Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. The ATM may capture check image data from the face of the check and the ATM may transmit the data to a check cashing computing platform. The check cashing computing platform may determine whether the account on which the check is drawn is an account of a first financial institution associated with the ATM, or the account is an account of a second financial institution. A first or second set of rules may be applied to the check based on this determination, to determine an overall check cashing risk score. A determination is then made, based on the overall check cashing risk score, as to whether the check may be cashed or the request to cash the check may be denied.Type: GrantFiled: June 5, 2015Date of Patent: March 5, 2019Assignee: Bank of America CorporationInventors: Charles F. Pigg, Paul Cooley, Roberto J. Dominguez, Tommi Levi, Paul Martin Mattison, Sr.
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Patent number: 10134019Abstract: Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. A user may request to cash a check at an ATM and check image data may be transmitted to a return deposit item computing platform. The computing platform may identify an account number of the account on which the check is drawn. Transaction data associated with the account may be retrieved by the computing platform and a number of occurrences of returned deposit items may be identified. The number of occurrences may be used to determine whether the check should be cashed.Type: GrantFiled: June 5, 2015Date of Patent: November 20, 2018Assignee: Bank of America CorporationInventors: Charles F. Pigg, Paul Cooley, Roberto J. Dominguez, Tommi Levi, Paul Martin Mattison, Sr.
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Publication number: 20160358141Abstract: Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. A user may request to cash a check at an ATM and check image data may be transmitted to a return deposit item computing platform. The computing platform may identify an account number of the account on which the check is drawn. Transaction data associated with the account may be retrieved by the computing platform and a number of occurrences of returned deposit items may be identified. The number of occurrences may be used to determine whether the check should be cashed.Type: ApplicationFiled: June 5, 2015Publication date: December 8, 2016Inventors: Charles F. Pigg, Paul Cooley, Roberto J. Dominguez, Tommi Levi, Paul Martin Mattison, SR.
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Publication number: 20160358140Abstract: Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. The ATM may capture check image data from the face of the check and the ATM may transmit the data to a check cashing computing platform. The check cashing computing platform may determine whether the account on which the check is drawn is an account of a first financial institution associated with the ATM, or the account is an account of a second financial institution. A first or second set of rules may be applied to the check based on this determination, to determine an overall check cashing risk score. A determination is then made, based on the overall check cashing risk score, as to whether the check may be cashed or the request to cash the check may be denied.Type: ApplicationFiled: June 5, 2015Publication date: December 8, 2016Inventors: Charles F. Pigg, Paul Cooley, Roberto J. Dominguez, Tommi Levi, Paul Martin Mattison, SR.
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Patent number: 8444050Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items.Type: GrantFiled: February 9, 2010Date of Patent: May 21, 2013Assignee: Bank of America CorporationInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez, Mark David McCue
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Patent number: 8403209Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.Type: GrantFiled: June 11, 2012Date of Patent: March 26, 2013Assignee: Bank of America CorporationInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez
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Patent number: 8381975Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.Type: GrantFiled: May 3, 2012Date of Patent: February 26, 2013Assignee: Bank of America CorporationInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez
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Publication number: 20120246067Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.Type: ApplicationFiled: June 11, 2012Publication date: September 27, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez
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Publication number: 20120221469Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.Type: ApplicationFiled: May 3, 2012Publication date: August 30, 2012Applicant: Bank of America CorporationInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez
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Patent number: 8235282Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.Type: GrantFiled: February 9, 2010Date of Patent: August 7, 2012Assignee: Bank of America CorporationInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez
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Patent number: 8191777Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.Type: GrantFiled: February 9, 2010Date of Patent: June 5, 2012Assignee: Bank of America CorporationInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez
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Publication number: 20100145853Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items.Type: ApplicationFiled: February 9, 2010Publication date: June 10, 2010Applicant: BANK OF AMERICA CORPORATIONInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez, Mark David McCue
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Publication number: 20100145857Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.Type: ApplicationFiled: February 9, 2010Publication date: June 10, 2010Applicant: BANK OF AMERICA CORPORATIONInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez
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Publication number: 20100138343Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.Type: ApplicationFiled: February 9, 2010Publication date: June 3, 2010Applicant: BANK OF AMERICA CORPORATIONInventors: Ricardo Davila, Tommi Levi, David Wayne Barnhardt, David Alan Minsk, Roxanne White, Roberto Jose Dominguez