Patents by Inventor Felix A. Mon

Felix A. Mon 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: 8781964
    Abstract: In some embodiments, a method for processing a safe transaction includes receiving at a safe a first deposit of currency from a first user. Identification information is received from the first user. The identification information identifies the first user, an amount of the first deposit, and an account of the first user with a first financial institution. Transaction information is transmitted to the first financial institution. The transaction information provides information to the first financial institution of the first deposit to facilitate the first financial institution crediting the account of the first user.
    Type: Grant
    Filed: January 6, 2010
    Date of Patent: July 15, 2014
    Assignee: Bank of America Corporation
    Inventors: Rosemary B. Martin, Felix A. Mon
  • Patent number: 8744914
    Abstract: Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.
    Type: Grant
    Filed: January 28, 2010
    Date of Patent: June 3, 2014
    Assignee: Bank of America Corporation
    Inventors: Felix A. Mon, Robert J. Mackenzie, Susan Smith Thomas, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Kazi M. Ariff, Erik Stephen Ross
  • Patent number: 8738450
    Abstract: Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.
    Type: Grant
    Filed: January 28, 2010
    Date of Patent: May 27, 2014
    Assignee: Bank of America Corporation
    Inventors: Felix A. Mon, Robert J. MacKenzie, Susan Smith Thomas, Carl Frederick, II, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Erik Stephen Ross
  • Patent number: 8469262
    Abstract: Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.
    Type: Grant
    Filed: January 28, 2010
    Date of Patent: June 25, 2013
    Assignee: Bank of America Corporation
    Inventors: Felix A. Mon, William F. Borowski, Susan Smith Thomas, Carl Frederick, II, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong
  • Patent number: 8301564
    Abstract: Embodiments of the present invention provide apparatuses, methods, and computer program products that allow for interaction with a user at an automated teller machine (ATM) based on pre-established user preferences. For example, an ATM is provided having: (1) a user interface configured to receive user identifying information from a user; and (2) a processing device operatively coupled to the user interface and configured to use the user identifying information to determine a pre-established user preference, wherein the processing device is further configured to use the user interface to interact with the user based at least partially on the pre-established user preference.
    Type: Grant
    Filed: January 28, 2010
    Date of Patent: October 30, 2012
    Assignee: Bank of America Corporation
    Inventors: Felix A. Mon, Timothy James Mark, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong
  • Patent number: 8175970
    Abstract: An end-to-end currency handling and management system and method include a recycler system configured to receive currency, deposit the currency into a desired account and make the currency immediately available. The currency may, in one or more examples, belong to an employee at a business. In such instances, the recycler system may be configured to deposit the currency into an account, such as a pre-paid cash card account, designated by the employee. This allows an employee to avoid carrying large amounts of cash which may lead to loss or theft. At the same time, the deposited currency would be available for use by the business for conducting other transactions.
    Type: Grant
    Filed: April 9, 2008
    Date of Patent: May 8, 2012
    Assignee: Bank of America Corporation
    Inventors: Felix A. Mon, Todd A. Atwood, Shane A. Johnson, Michelle Nichols
  • Publication number: 20110184819
    Abstract: Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.
    Type: Application
    Filed: January 28, 2010
    Publication date: July 28, 2011
    Applicant: Bank of America Corporation
    Inventors: Felix A. Mon, Robert J. MacKenzie, Susan Smith Thomas, Carl Frederick, II, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Erik Stephen Ross
  • Publication number: 20110184864
    Abstract: Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.
    Type: Application
    Filed: January 28, 2010
    Publication date: July 28, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Felix A. Mon, William F. Borowski, Susan Smith Thomas, Carl (II) Frederick, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong
  • Publication number: 20110184865
    Abstract: Embodiments of the present invention provide apparatuses, methods, and computer program products that allow for interaction with a user at an automated teller machine (ATM) based on pre-established user preferences. For example, an ATM is provided having: (1) a user interface configured to receive user identifying information from a user; and (2) a processing device operatively coupled to the user interface and configured to use the user identifying information to determine a pre-established user preference, wherein the processing device is further configured to use the user interface to interact with the user based at least partially on the pre-established user preference.
    Type: Application
    Filed: January 28, 2010
    Publication date: July 28, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Felix A. Mon, Timothy James Mark, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong
  • Publication number: 20110184820
    Abstract: Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.
    Type: Application
    Filed: January 28, 2010
    Publication date: July 28, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Felix A. Mon, Robert J. MacKenzie, Susan Smith Thomas, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Kazi M. Ariff, Erik Stephen Ross
  • Publication number: 20110184821
    Abstract: Systems, methods, and computer program products are provided for providing a modified transaction process or session for a consumer at a point of sale of a vendor when triggered by a consumer's transaction or payment device. The transaction device either stores consumer preference data or stores pointer data pointing to the network location of the consumer preference data. The transaction device communicates with the vendor's point of sale or payment terminal, and the payment terminal processes the consumer preference data.
    Type: Application
    Filed: January 28, 2010
    Publication date: July 28, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Felix A. Mon, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Kazi M. Ariff, Erik Stephen Ross
  • Publication number: 20110184853
    Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing audio messages relating to financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a communication device and a processor. In one embodiment, the memory stores information about a financial account including information about a system to use to communicate a message comprising an audio component to a person associated with the financial account, and the processor is configured to receive an indication of a financial transaction affecting the financial account and use the communication device to communicate an audio message containing information relating to the financial transaction to the person associated with the financial account by using the system.
    Type: Application
    Filed: January 28, 2010
    Publication date: July 28, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Timothy James Mark, Felix A. Mon, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Carl Frederick, II
  • Publication number: 20110167000
    Abstract: In some embodiments, a method for processing a safe transaction includes receiving at a safe a first deposit of currency from a first user. Identification information is received from the first user. The identification information identifies the first user, an amount of the first deposit, and an account of the first user with a first financial institution. Transaction information is transmitted to the first financial institution. The transaction information provides information to the first financial institution of the first deposit to facilitate the first financial institution crediting the account of the first user.
    Type: Application
    Filed: January 6, 2010
    Publication date: July 7, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Felix A. Mon, Rosemary B. Martin