Patents by Inventor Eric Scott Sandoz
Eric Scott Sandoz 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: 9098765Abstract: Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database.Type: GrantFiled: February 15, 2013Date of Patent: August 4, 2015Assignee: Bank of America CorporationInventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Patent number: 9087389Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an image of a check; generate a thumbnail version of the image, wherein the thumbnail version of the image is generated immediately after receiving the image; link the image with the thumbnail version of the image; store the image and the thumbnail version of the image, wherein the thumbnail version of the image is stored for a longer period of time than the image.Type: GrantFiled: February 15, 2013Date of Patent: July 21, 2015Assignee: Bank of America CorporationInventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz
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Patent number: 9082007Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using templates or generic control documents. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using document templates. As such, the invention may compile templates for image documents. Upon receiving a document from a transaction for storage, the system may store the metadata associated with that document, instead of storing the entire document as a high resolution image file. Using the template, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.Type: GrantFiled: February 15, 2013Date of Patent: July 14, 2015Assignee: Bank of America CorporationInventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
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Patent number: 9047317Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for determining a storage location for an image of a check. In some embodiments, a system is configured to: receive an image of a check, the image being associated with an account associated with a user; analyze check retrieval activity associated with the account; determine, based on the check retrieval activity, a storage location for the image; and store the image at the storage location.Type: GrantFiled: February 15, 2013Date of Patent: June 2, 2015Assignee: Bank of America CorporationInventors: Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Patent number: 9031308Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database.Type: GrantFiled: February 15, 2013Date of Patent: May 12, 2015Assignee: Bank of America CorporationInventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Patent number: 9025851Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.Type: GrantFiled: February 15, 2013Date of Patent: May 5, 2015Assignee: Bank of America CorporationInventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
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Patent number: 8934701Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive, from a second apparatus, at least one request to retrieve an image of a first check and a second check; retrieve a first thumbnail version of the image of the first check; retrieve a second thumbnail version of the image of the second check; generate a document comprising the first thumbnail version and the second thumbnail version; transmit the document to the second apparatus.Type: GrantFiled: February 15, 2013Date of Patent: January 13, 2015Assignee: Bank of America CorporationInventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz
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Patent number: 8913820Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an unprocessed image of a check; store the unprocessed image, wherein the unprocessed image is accessible to an agent associated with the apparatus and is not accessible to a user of an account associated with the check; process the unprocessed image to create a processed image; store the processed image, wherein the processed image is accessible to the agent and is accessible to the user.Type: GrantFiled: February 15, 2013Date of Patent: December 16, 2014Assignee: Bank of America CorporationInventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz, James G. Ronca
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Publication number: 20140236790Abstract: Embodiments for modifying financial record data, such as check images, are provided herein. The embodiments include receiving financial record data; identifying one or more criteria associated with the financial record data; quantifying the size of the one or more criteria; modifying at least a portion of the financial record data based on size of the one or more criteria; and providing at least a portion of the received financial record data or modified financial record data to a recipient.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Michael Gerald Smith, Timmy L. Gauvin, Craig David Palmer, Eric Scott Sandoz, Geoffrey Reed Williams
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Publication number: 20140236791Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing image retrieval based on transaction identification. An exemplary apparatus is configured to: capture an image of a document. The document is typically associated with a transaction ID. Upon capturing the document image the system may process the image of the document to collect document information, and subsequently store the document information. The system may later receive a request for the document information that is similarly associated with the transaction ID. This document information is retrieved based at least partially on the request. An activity log may be additionally created which comprises a record of one or more request associated with the transaction ID.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Geoffrey Reed Williams
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Publication number: 20140233837Abstract: Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Publication number: 20140233836Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using templates or generic control documents. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using document templates. As such, the invention may compile templates for image documents. Upon receiving a document from a transaction for storage, the system may store the metadata associated with that document, instead of storing the entire document as a high resolution image file. Using the template, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
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Publication number: 20140233830Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an image of a check; generate a thumbnail version of the image, wherein the thumbnail version of the image is generated immediately after receiving the image; link the image with the thumbnail version of the image; store the image and the thumbnail version of the image, wherein the thumbnail version of the image is stored for a longer period of time than the image.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: Bank of America CorporationInventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz
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Publication number: 20140233834Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: Bank of America CorporationInventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
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Publication number: 20140233831Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for determining a storage location for an image of a check. In some embodiments, a system is configured to: receive an image of a check, the image being associated with an account associated with a user; analyze check retrieval activity associated with the account; determine, based on the check retrieval activity, a storage location for the image; and store the image at the storage location.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: Bank of America CorporationInventors: Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Publication number: 20140233832Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an unprocessed image of a check; store the unprocessed image, wherein the unprocessed image is accessible to an agent associated with the apparatus and is not accessible to a user of an account associated with the check; process the unprocessed image to create a processed image; store the processed image, wherein the processed image is accessible to the agent and is accessible to the user.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: Bank of America CorporationInventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz, James G. Ronca
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Publication number: 20140233835Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
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Publication number: 20140233833Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive, from a second apparatus, at least one request to retrieve an image of a first check and a second check; retrieve a first thumbnail version of the image of the first check; retrieve a second thumbnail version of the image of the second check; generate a document comprising the first thumbnail version and the second thumbnail version; transmit the document to the second apparatus.Type: ApplicationFiled: February 15, 2013Publication date: August 21, 2014Applicant: Bank of America CorporationInventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz
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Patent number: 8756159Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a system to receive information related to check transaction based on the location of the user. In one embodiment of the invention, the computer-implemented method determines a location of a check transaction and stores the location in an archive in association with the check transaction. The method then determines a location of a user and determines a list of check transactions associated with the location of the user. In some embodiments, the method provides the list of check transactions to the user. The method may also provide offers or recommendations to the user, such as an offer to establish a direct transfer instead of using a check in the future. The user and/or the provider of the method may also broaden or narrow the search results based on characteristics of the transaction.Type: GrantFiled: February 15, 2013Date of Patent: June 17, 2014Assignee: Bank of America CorporationInventors: Lisa Gibson, Geoffrey Reed Williams, Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Melvin Gregory Nixon
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Patent number: 8165933Abstract: The present invention provides systems, methods, and computer program products for performing validation and clearance at a transaction item level for transaction received in a batch format. Each transaction of the batch is stored separately in a storage system, such as a logical database. Typically, image data and electronic data for a transaction are stored separately in the storage system and may be linked to each other. Each transaction is separately accessible and/or updateable. Each transaction stored in the storage system is separately analyzed to validate that the transaction is at least balanced. Transactions that determined to be balanced are cleared irrespective of a balance status associated with other transactions associated with the batch of transactions, such that transactions are individually cleared as opposed to being cleared in a batch format.Type: GrantFiled: May 23, 2008Date of Patent: April 24, 2012Assignee: Bank of America CorporationInventors: Eric Dryer, George Miller Abernethy, Ronald Hollander, Lowell Robert Huff, Sean Kang, Clarence E. Lee, Eric Scott Sandoz, Jeffrey Robert Woodside