Patents by Inventor Barbara J. Watson

Barbara J. Watson 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).

  • Method and System for ACH Debit Delayed Availability
    Publication number: 20150302365
    Abstract: A server includes a memory that stores a plurality of availability schedules, and a processor communicatively coupled to the memory. The processor is operable to access an automated clearing house (ACH) debit transaction received at an originating depository financial institution (ODFI) from an originator, determine an availability schedule associated with the originator from the plurality of availability schedules, credit a percentage of the amount of funds of the ACH debit transaction to a delayed settlement account associated with the originator, and transfer a portion of the amount of funds credited to the delayed settlement account to a general operating account of the originator on a particular day determined from the availability schedule. The delayed settlement account has one or more associated rules that prevent the originator from withdrawing funds from the delayed settlement account.
    Type: Application
    Filed: July 1, 2015
    Publication date: October 22, 2015
    Inventors: Dawn M. Patton, Kevin S. Kauffman, Mary S. O'Toole, John F. Race, Judey L. Thessen, Vanessa Chung, Cheryl E. Robinson, Barbara J. Watson, Yvette M.H. Hayes, Maria L. Mitchell, Kipling B. Dixon, Mary N. Sylvester, Susan R. Bushnell, Todd L. Elmquist, Frank J. Fogliano
  • Method and System for ACH Debit Delayed Availability
    Publication number: 20120084198
    Abstract: A server includes a memory that stores a plurality of availability schedules, and a processor communicatively coupled to the memory. The processor is operable to access an automated clearing house (ACH) debit transaction received at an originating depository financial institution (ODFI) from an originator, determine an availability schedule associated with the originator from the plurality of availability schedules, credit a percentage of the amount of funds of the ACH debit transaction to a delayed settlement account associated with the originator, and transfer a portion of the amount of funds credited to the delayed settlement account to a general operating account of the originator on a particular day determined from the availability schedule. The delayed settlement account has one or more associated rules that prevent the originator from withdrawing funds from the delayed settlement account.
    Type: Application
    Filed: September 30, 2010
    Publication date: April 5, 2012
    Applicant: Bank of America Corporation
    Inventors: Dawn M. Patton, Kevin S. Kauffman, Mary S. O'Toole, John F. Race, Judey L. Thessen, Vanessa Chung, Cheryl E. Robinson, Barbara J. Watson, Yvette M.H. Hayes, Maria L. Mitchell, Kipling B. Dixon, Mary N. Sylvester, Susan R. Bushnell, Todd L. Elmquist, Frank J. Fogliano
  • Sunglasses
    Patent number: D277868
    Type: Grant
    Filed: January 21, 1982
    Date of Patent: March 5, 1985
    Assignee: Onit Inc.
    Inventor: Barbara J. Watson