Patents by Inventor Carol Ann Walls

Carol Ann Walls 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: 8959033
    Abstract: Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting “face recognition” of a received check image to verify it's authenticity and/or detecting MICR line indications that a check is no longer valid.
    Type: Grant
    Filed: March 15, 2007
    Date of Patent: February 17, 2015
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, R. Bharat Nuggehalli, Carol Ann Walls, Gabriel Glenn Gavia, Reynaldo Medina, III
  • Patent number: 8799147
    Abstract: Various systems, methods and computer-readable media with computer-executable instructions are disclosed for remotely depositing negotiable instruments with non-payee financial institutions, such payor financial institutions, any intermediate financial institutions (those between payor and payee financial institutions), or third party enterprises. For example a data set comprising any one of a data image, alpha-numeric data, and metadata can be submitted with a non-payee bank. This set of data may be associated with a negotiable instrument that an account holder may have received as a payee. After the negotiable instrument is transformed into the data set, this data set can be used to clear funds to the payee's account using only the electronically and remotely submitted data set.
    Type: Grant
    Filed: October 31, 2006
    Date of Patent: August 5, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carol Ann Walls, Gabriel Glenn Gavia
  • Patent number: 7885451
    Abstract: Various systems, methods and computer-readable media with computer-executable instructions are disclosed that display negotiable instruments derived from various sources. For example, a bank member can draft a check and have that check displayed at his banking institution. Additionally, this bank member can also display any other checks that the member has received. In fact, any check that is either credited or debited from the member's account can appear as a digital image for inspection by the member. Furthermore, any images of checks residing at other banking institutions can be synchronized with the member's institution to amount to a one-stop warehouse for digital images of negotiable instruments for inspection by the member, no matter from where these negotiable instruments may originate.
    Type: Grant
    Filed: October 31, 2006
    Date of Patent: February 8, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carol Ann Walls, Gabriel Glenn Gavia