Patents by Inventor Felix Mon
Felix 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).
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Patent number: 8781964Abstract: 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: GrantFiled: January 6, 2010Date of Patent: July 15, 2014Assignee: Bank of America CorporationInventors: Rosemary B. Martin, Felix A. Mon
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Patent number: 8744914Abstract: 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: GrantFiled: January 28, 2010Date of Patent: June 3, 2014Assignee: Bank of America CorporationInventors: Felix A. Mon, Robert J. Mackenzie, Susan Smith Thomas, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Kazi M. Ariff, Erik Stephen Ross
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Patent number: 8738450Abstract: 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: GrantFiled: January 28, 2010Date of Patent: May 27, 2014Assignee: Bank of America CorporationInventors: Felix A. Mon, Robert J. MacKenzie, Susan Smith Thomas, Carl Frederick, II, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Erik Stephen Ross
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Patent number: 8645231Abstract: Apparatus and methods for distributing coins in a coin distribution system. Coins may be distributed among members of a coin consortium. Coins may be shipped from a first coin consortium member to a second coin consortium member based on a requirement to adjust a first coin inventory of the first consortium member and a second coin inventory of the second consortium member, respectively. Neither the first consortium member nor the second consortium member is the U.S. Federal Reserve Branch. Coins may be shipped from the second coin consortium member to the first coin consortium member based on a second requirement to adjust the first and second coin inventories.Type: GrantFiled: August 20, 2008Date of Patent: February 4, 2014Assignee: Bank of America CorporationInventors: Felix Mon, Wallace Webster, II, Janet Sloan-Mcgonagle, Bernadine Waite
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Patent number: 8577802Abstract: An aspect of the invention provides methods and computer media to support on-demand transportation shipments, supply order requests, change orders, and reports. A bank and business partners may coordinate so that a client can schedule pickups of deposits, delivery of change orders, transportation shipments, and reports. When at least one deposit is created at a banking center for one or more banking customers and an aggregate deposit amount exceeds a predetermined amount, an on-demand pickup of the deposits at the banking center is automatically requested. Also, an on-demand pickup of deposits may be automatically requested at a bank customer's location when the aggregate deposit amount exceeds a predetermined threshold. Moreover, an on-demand change, supply order, or report order may be automatically submitted when available cash is below a predetermined threshold. The available cash may be based on a total amount of cash or on a currency denomination amount.Type: GrantFiled: October 31, 2008Date of Patent: November 5, 2013Assignee: Bank of America CorporationInventors: Michelle Nichols, Todd Atwood, James Heddleson, Amy Folk, Dan Bohen, Felix Mon, Veralyn Hensley
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Patent number: 8469262Abstract: 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: GrantFiled: January 28, 2010Date of Patent: June 25, 2013Assignee: Bank of America CorporationInventors: Felix A. Mon, William F. Borowski, Susan Smith Thomas, Carl Frederick, II, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong
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Patent number: 8301564Abstract: 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: GrantFiled: January 28, 2010Date of Patent: October 30, 2012Assignee: Bank of America CorporationInventors: Felix A. Mon, Timothy James Mark, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong
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Patent number: 8175970Abstract: 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: GrantFiled: April 9, 2008Date of Patent: May 8, 2012Assignee: Bank of America CorporationInventors: Felix A. Mon, Todd A. Atwood, Shane A. Johnson, Michelle Nichols
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Patent number: 8164451Abstract: Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.Type: GrantFiled: May 12, 2011Date of Patent: April 24, 2012Assignee: Bank of America CorporationInventors: Michelle Nichols, Todd Atwood, James Heddleson, Felix Mon, Mark Waggoner, Wallace Webster
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Patent number: 8094021Abstract: An armored carrier or other transport entity may scan a remotely-readable identification tag, such as a radio-frequency identification (RFID) tag, of each monetary package being picked up and/or delivered. The scanner used by the armored carrier may notify the armored carrier if one of the monetary packages goes out of range without being checked out, such as within a period of time. Also, if that monetary package is not returned within range within a particular period of time, the scanner may automatically notify a centralized system. The scanner may further be aware of scheduled monetary packages to be picked up. If not all of the monetary packages as expected are picked up, then the scanner may also notify the armored carrier.Type: GrantFiled: October 31, 2008Date of Patent: January 10, 2012Assignee: Bank of America CorporationInventors: Michelle Nichols, Todd Atwood, James Heddleson, Felix Mon
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Publication number: 20110210826Abstract: Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.Type: ApplicationFiled: May 12, 2011Publication date: September 1, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Michelle Nichols, Todd Atwood, James Heddleson, Felix Mon, Mark Waggoner, Wallace Webster
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Publication number: 20110184865Abstract: 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: ApplicationFiled: January 28, 2010Publication date: July 28, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Felix A. Mon, Timothy James Mark, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong
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Publication number: 20110184853Abstract: 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: ApplicationFiled: January 28, 2010Publication date: July 28, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Timothy James Mark, Felix A. Mon, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Carl Frederick, II
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Publication number: 20110184864Abstract: 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: ApplicationFiled: January 28, 2010Publication date: July 28, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Felix A. Mon, William F. Borowski, Susan Smith Thomas, Carl (II) Frederick, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong
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Publication number: 20110184821Abstract: 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: ApplicationFiled: January 28, 2010Publication date: July 28, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Felix A. Mon, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Kazi M. Ariff, Erik Stephen Ross
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Publication number: 20110184820Abstract: 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: ApplicationFiled: January 28, 2010Publication date: July 28, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Felix A. Mon, Robert J. MacKenzie, Susan Smith Thomas, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Kazi M. Ariff, Erik Stephen Ross
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Publication number: 20110184819Abstract: 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: ApplicationFiled: January 28, 2010Publication date: July 28, 2011Applicant: Bank of America CorporationInventors: Felix A. Mon, Robert J. MacKenzie, Susan Smith Thomas, Carl Frederick, II, Jason Michael Ackiss, Maile George, Robert Fleetwood Armstrong, Erik Stephen Ross
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Patent number: 7982604Abstract: A monetary package capable of detecting and communicating tampering is described. The monetary package may comprise a container having a volume configured to hold monetary items such as currency, checks, and negotiable instruments, a sensor configured to detect an opening of the container, a device coupled to the sensor and configured to store data responsive to the sensor detecting the opening of the container, and a transmitter configured to wirelessly send the stored data.Type: GrantFiled: October 31, 2008Date of Patent: July 19, 2011Assignee: Bank of AmericaInventors: Michelle Nichols, Todd Atwood, James Heddleson, Karen Garnett, Elizabeth S. Votaw, Felix Mon
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Publication number: 20110167000Abstract: 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: ApplicationFiled: January 6, 2010Publication date: July 7, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Felix A. Mon, Rosemary B. Martin
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Patent number: 7965184Abstract: Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.Type: GrantFiled: October 31, 2008Date of Patent: June 21, 2011Assignee: Bank of America CorporationInventors: Michelle Nichols, Todd Atwood, James Heddleson, Felix Mon, Mark Waggoner, Wallace Webster