Patents by Inventor Clarence E. Lee, II
Clarence E. Lee, II 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: 10652370Abstract: An image item processing engine for image item exchange may receive an image item data packet including two image items, each including a digital image documenting an action for a recipient institution and associated metadata. The metadata may identify the image item sender and a country associated with an image item, the packet originator, or the recipient institution, at least one country associated with the second image item being different than a country associated with the first image item. The engine may apply sorting rules to determine item types for the first and second image items based on their metadata, determine a recipient institution for the packet based on the item types, assemble a data transfer packet including the digital images and metadata included in the first and second image items, and provide the data transfer packet to a transfer packet routing service for routing to the selected recipient institution.Type: GrantFiled: December 7, 2017Date of Patent: May 12, 2020Assignee: Bank of America CorporationInventors: Timmy Leo Gauvin, Kenneth R. Cox, Haywood P. Enloe, Jasher David Fowles, Georgeann Paschal Gregory, Christopher David Greth, Shawn Cart Gunsolley, Charles Christopher Harbinson, Leslie Marie LaRock, Clarence E. Lee, II, Timothy Alan Mincey, Jeanne Marie Moulton, Raymond William Schall, Jr., Tami Marie Shepard, Michael G. Smith, Shashi R. Warrier
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Publication number: 20190182369Abstract: An image item processing engine for image item exchange may receive an image item data packet including two image items, each including a digital image documenting an action for a recipient institution and associated metadata. The metadata may identify the image item sender and a country associated with an image item, the packet originator, or the recipient institution, at least one country associated with the second image item being different than a country associated with the first image item. The engine may apply sorting rules to determine item types for the first and second image items based on their metadata, determine a recipient institution for the packet based on the item types, assemble a data transfer packet including the digital images and metadata included in the first and second image items, and provide the data transfer packet to a transfer packet routing service for routing to the selected recipient institution.Type: ApplicationFiled: December 7, 2017Publication date: June 13, 2019Inventors: Timmy Leo Gauvin, Kenneth R. Cox, Haywood P. Enloe, Jasher David Fowles, Georgeann Paschal Gregory, Christopher David Greth, Shawn Cart Gunsolley, Charles Christopher Harbinson, Leslie Marie LaRock, Clarence E. Lee, II, Timothy Alan Mincey, Jeanne Marie Moulton, Raymond William Schall, JR., Tami Marie Shepard, Michael G. Smith, Shashi R. Warrier
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Publication number: 20150066750Abstract: Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application.Type: ApplicationFiled: November 10, 2014Publication date: March 5, 2015Inventors: Geoffrey R. Williams, Kenneth R. Cox, Erin K. Cassell, Joshua A. Beaudry, Kerry M. Cantley, Tami M. Shepard, Haywood P. Enloe, Leslie M. LaRock, Timmy L. Gauvin, Clarence E. Lee, II
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Patent number: 8694433Abstract: A system and method for efficient image cashletter processing where an image cashletter including a plurality of monetary records is received. Failed monetary records in the image cashletter are separated out from good monetary records in the image cashletter. The good monetary records are processed independently of processing the failed monetary records, therefore, allowing the good monetary records to continue to be processed without having to wait for the failed monetary records to be repaired.Type: GrantFiled: June 26, 2008Date of Patent: April 8, 2014Assignee: Bank of America CorporationInventors: Jeoffrey E. Hardesty, Clarence E. Lee, II, Lowell Huff, William Gollnick, Kerry Cantley
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Publication number: 20140095379Abstract: Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application.Type: ApplicationFiled: September 28, 2012Publication date: April 3, 2014Applicant: Bank of America CorporationInventors: Geoffrey R. Williams, Kenneth R. Cox, Erin K. Cassell, Joshua A. Beaudry, Kerry M. Cantley, Tami M. Shepard, Haywood P. Enloe, Leslie M. LaRock, Timmy L. Gauvin, Clarence E. Lee, II
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Patent number: 8126803Abstract: An automated system can be provided for continuously and accurately assigning float to deposit credits within a financial institution. A normalized market segment is continuously assigned to each account by extracting information from a plurality of disparate demand deposit account systems. Deposit credits are gathered from disparate known capture sites and the normalized market segment is assigned to a deposit credit for a corresponding account. A float assignment can then be made for a deposit credit so that the float reflects both a deposit location and current domestic information for the corresponding account. A system for implementing the invention can include a float system connected to a transaction exchange system.Type: GrantFiled: July 9, 2007Date of Patent: February 28, 2012Assignee: Bank of America CorporationInventors: Douglas P. Elliott, David McMann, Lowell R. Huff, Lynn Flesher, Clarence E. Lee, II, David Frew, Kelly S. Hall
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Patent number: 8126252Abstract: A method and system for enhanced check image privacy are disclosed. Embodiments of the present invention provide a way to automatically link the results from quality assurance software to a check image archive to appropriately mark images as unretrievable by customers. Images are interrogated with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches associated, stored magnetic ink character recognition (MICR) data is below a pre-set threshold. The image can be then automatically designated in the financial document archive. The image can be displayed to an operator for analysis when the confidence score is above the pre-set threshold and below a pre-set limit, or in cases where the confidence score cannot be determined by the data matching algorithm.Type: GrantFiled: October 26, 2006Date of Patent: February 28, 2012Assignee: Bank of America CorporationInventors: George Miller Abernethy, Matthew A. Calman, Kathryn B. Carmody, Gregory Tyrone Domally, Lowell R. Huff, Clarence E. Lee, II, Joseph P. Shuster, Carol W. Wiles
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Publication number: 20110131096Abstract: Embodiments of the invention relate to apparatuses and methods for providing targeted product offers to customers. For example, in one embodiment, a first entity sends a targeted offer to certain customers. The first entity uses a second entity to perform a service related to the offer, such as an enrollment service. The first entity sends a candidate file to the second entity, where the candidate file includes a list of customers that qualify for the offer. The first entity authenticates the customer and, when the customer expresses interest in the targeted offer, the first entity forwards the customer to the second entity along with customer identifying information so that the second entity can perform the related service. The second entity then verifies whether the transferred customer qualifies for the offer by comparing the customer information to the candidate file. If verified, the second entity can perform the service related to the offer for the customer.Type: ApplicationFiled: November 29, 2010Publication date: June 2, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: David T. Frew, Zhongmin Agarwal, Kevin Kenny, Sylvan Tran, Clarence E. Lee, II, James A. Robinson, Rodney Ermish
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Publication number: 20090018939Abstract: An automated system can be provided for continuously and accurately assigning float to deposit credits within a financial institution. A normalized market segment is continuously assigned to each account by extracting information from a plurality of disparate demand deposit account systems. Deposit credits are gathered from disparate known capture sites and the normalized market segment is assigned to a deposit credit for a corresponding account. A float assignment can then be made for a deposit credit so that the float reflects both a deposit location and current domestic information for the corresponding account. A system for implementing the invention can include a float system connected to a transaction exchange system.Type: ApplicationFiled: July 9, 2007Publication date: January 15, 2009Applicant: BANK OF AMERICA CORPORATIONInventors: Douglas P. Elliott, David McMann, Lowell R. Huff, Lynn Flesher, Clarence E. Lee, II, David Frew, Kelly S. Hall