Patents by Inventor Charles F. Pigg
Charles F. Pigg 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: 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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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: 20120259776Abstract: Embodiments of the invention are directed to systems, methods and computer program products for determining whether an account is eligible to participate in a banking service. In some embodiments, a method includes: (a) receiving information associated with an account; (b) determining, based at least partially on the information, that the account is eligible to participate in a banking service; and (c) presenting, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service, where the presenting is based at least partially on the determining that the account is eligible. In some embodiments, the method further includes activating the banking service for the account. In some embodiments, the identifier is embodied as an input feature that enables the holder to enroll in the banking service. In other embodiments, the identifier is embodied as an input feature that enables the holder to use the banking service.Type: ApplicationFiled: April 8, 2011Publication date: October 11, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Hitesh Bajaj, Amlan Banerjee, Ray R. Hernandez, Charles F. Pigg, Andrew L. Saar
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Patent number: 7575157Abstract: Systems and methods are illustrated for providing enhanced fraud protection. Aspects of the fraud protection system may be implemented by a filter that may be configured to detect fraud in a transaction between a financial institution and a customer. An input device may receive data that corresponds to a transaction between a financial institution and a customer, such as a transfer of money. A data store may store information relating to the transaction that includes the serial number and dollar amount of the transfer of money. When the filter detects fraud, an output device may output an alert resulting in zero false positives. The filter may also include a module that is configured to compare the data that is received by an input device to data that is stored in the data store. Oftentimes, the data in the data store may be information relating to past fraud protection.Type: GrantFiled: May 22, 2007Date of Patent: August 18, 2009Assignee: Bank of America CorporationInventors: David Wayne Barnhardt, Charles F. Pigg
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Publication number: 20080290154Abstract: Systems and methods are illustrated for providing enhanced fraud protection. Aspects of the fraud protection system may be implemented by a filter that may be configured to detect fraud in a transaction between a financial institution and a customer. An input device may receive data that corresponds to a transaction between a financial institution and a customer, such as a transfer of money. A data store may store information relating to the transaction that includes the serial number and dollar amount of the transfer of money. When the filter detects fraud, an output device may output an alert resulting in zero false positives. The filter may also include a module that is configured to compare the data that is received by an input device to data that is stored in the data store. Oftentimes, the data in the data store may be information relating to past fraud protection.Type: ApplicationFiled: May 22, 2007Publication date: November 27, 2008Applicant: BANK OF AMERICA CORPORATIONInventors: David Wayne Barnhardt, Charles F. Pigg