Patents by Inventor Emerson Ward

Emerson Ward 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: 8352359
    Abstract: Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a financial transaction type with a hold type in the policy database. Various embodiments can receive transaction data including an image of a check, applying the plurality of risk factors to the transaction data, and applying the plurality of hold override policies to the deposit data. Finally, other embodiments include a web-enabled user interface through with users can review and approve/disapprove the handling of exceptions to the risk factors, severities, and hold override policies on a real-time or near-real time basis.
    Type: Grant
    Filed: January 20, 2012
    Date of Patent: January 8, 2013
    Assignee: Ensenta Corporation
    Inventors: Edward John Viera, Emerson Ward Swan, II, Richard Klein, Dmitri Boudtchenko, James Howard Ballagh
  • Publication number: 20120123938
    Abstract: Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a financial transaction type with a hold type in the policy database. Various embodiments can receive transaction data including an image of a check, applying the plurality of risk factors to the transaction data, and applying the plurality of hold override policies to the deposit data. Finally, other embodiments include a web-enabled user interface through with users can review and approve/disapprove the handling of exceptions to the risk factors, severities, and hold override policies on a real-time or near-real time basis.
    Type: Application
    Filed: January 20, 2012
    Publication date: May 17, 2012
    Applicant: Ensenta Corporation
    Inventors: Edward John Viera, Emerson Ward Swan, II, Richard Klein, Dmitri Boudtchenko, James Howard Ballagh
  • Patent number: 8131636
    Abstract: Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a deposit type with a hold type in the policy database, receiving deposit data including an image of a deposit check, applying the plurality of risk factors to the deposit data, and applying the plurality of hold override policies to the deposit data.
    Type: Grant
    Filed: May 5, 2005
    Date of Patent: March 6, 2012
    Assignee: Ensenta Corporation
    Inventors: Edward John Viera, Emerson Ward Swan, II, Richard Klein, Dmitri Boudtchenko, James Howard Ballagh
  • Patent number: 4132397
    Abstract: A mounting bracket for a pipe clamp. The bracket supporting a standard pipe clamp attached to a section of pipe on an object such as a work bench, saw horse, cabinet, or the like, and converting the pipe clamp into a stationary clamp or vise.
    Type: Grant
    Filed: August 22, 1977
    Date of Patent: January 2, 1979
    Inventor: Emerson Ward