Patents Assigned to Huntington Bancshares Incorporated
  • Publication number: 20180025421
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: September 29, 2017
    Publication date: January 25, 2018
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • Publication number: 20170018027
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: September 12, 2016
    Publication date: January 19, 2017
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • Publication number: 20140310163
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: June 26, 2014
    Publication date: October 16, 2014
    Applicant: HUNTINGTON BANCSHARES INCORPORATED
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • Publication number: 20130110712
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: December 18, 2012
    Publication date: May 2, 2013
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • Patent number: 8364581
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Grant
    Filed: May 20, 2011
    Date of Patent: January 29, 2013
    Assignee: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic
  • Patent number: 6594647
    Abstract: An infrastructure for a real time bank-centric universal payment system (2) in which a central processing system (CPU) defines an electronic commerce trust system (1) formed from a plurality of financial service provider members (4) subscribing to a common standard having applicability throught the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members (4) that in turn are operatively interconnected through access mechanisms to a network of customers (3) and goods and services providers (5) who are account subscribers with the financial service provider member (4) and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects net settlement between and among members through a central exchange monetary system.
    Type: Grant
    Filed: September 19, 2000
    Date of Patent: July 15, 2003
    Assignees: Huntington Bancshares Incorporated, Hewlett-Packard Company
    Inventors: William Randle, Richard Ercole, Terry L. Geer, David L. James, Jodie M. Fredelake, Dennis Roman, Fabio Fontana, Rick Bartlett, Ruth Rosenberg, Robert W. Murphy, Tuong T. Tran, Paul Lampru
  • Patent number: 6341272
    Abstract: A service platform is provided that enables access and control by a customer at a remote location of information, products, and services maintained by a business at a central location through an access gateway and provides an access gateway from the business to information, products, and services of providers not otherwise related to the business.
    Type: Grant
    Filed: April 12, 1999
    Date of Patent: January 22, 2002
    Assignee: Huntington Bancshares Incorporated
    Inventor: William M. Randle
  • Patent number: 6182052
    Abstract: In a communications network for accessing an account, conducting a transaction, obtaining services or obtaining information from a remote location, a programmable user interface is adapted to provide a multiplicity of separate choices perceptible to a user on a user operable terminal. The terminal is capable of registering for transmission to a service platform, a user's input to the terminal corresponding to at least one choice from the multiplicity, including banking, bill paying, shopping, travel, flowers and gifts and information. The user interface includes means for communicating the user selected choice to a service platform, means for communicating by voice, TDD or data transmission through the service platform, and means in the terminal for permitting the user to communicate directly by at least one of an interactive voice, TDD or data transmission communication with respect to a provider in the user's selection from the multiplicity.
    Type: Grant
    Filed: October 27, 1997
    Date of Patent: January 30, 2001
    Assignee: Huntington Bancshares Incorporated
    Inventors: John W. Fulton, Thomas N. Shafer, Marianne Shepard
  • Patent number: 5974146
    Abstract: An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members that in turn are operatively interconnected through access mechanisms to a network of customers and goods and services providers who are account subscribers with the financial service provider member and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.
    Type: Grant
    Filed: July 30, 1997
    Date of Patent: October 26, 1999
    Assignees: Huntington Bancshares Incorporated, Hewlett-Packard Company, Verifone, Inc.
    Inventors: William Randle, Richard Ercole, Terry L. Geer, David L. James, Jodie M. Fredelake, Dennis Roman, Fabio Fontana, Rick Bartlett, Ruth Rosenberg, Robert W. Murphy, Tuong T. Tran, Paul Lampru
  • Patent number: 5930778
    Abstract: A system and process are described for effecting the expedited submission into the payment system for collection of funds represented by financial instruments that are received by a payee at an item capture facility remote from the payee's depository bank in which the submission of the instruments into the payment system is coordinated with the payee's internal accounting process and the register of the deposit of the instruments with an account at the instruments payee's bank.
    Type: Grant
    Filed: July 11, 1996
    Date of Patent: July 27, 1999
    Assignee: Huntington Bancshares Incorporated
    Inventor: Terry L. Geer
  • Patent number: 5899982
    Abstract: A banking service platform is provided that enables bank-centric access and control by a customer at a remote location of financial information, products and services maintained by a bank at a central location through an access gateway and provides an access gateway from the bank to non-bank information, products and services of providers not otherwise related to the bank.
    Type: Grant
    Filed: June 25, 1998
    Date of Patent: May 4, 1999
    Assignee: Huntington Bancshares Incorporated
    Inventor: William M. Randle
  • Patent number: 5265007
    Abstract: A central check clearing association by which different member banks and financial institutions can each settle debit and credit balances with respect to other member institutions on a predetermined periodic basis and methods and systems by which the association is operable. The system and method is independent of conventional central bank district geographic and institutional boundaries and time zones.
    Type: Grant
    Filed: August 7, 1989
    Date of Patent: November 23, 1993
    Assignee: Huntington Bancshares Incorporated
    Inventors: John L. Barnhard, Jr., Thomas K. Bowen, Terry L. Geer, John W. Liebersbach