Patents by Inventor Geoffrey R Williams
Geoffrey R Williams 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: 11403701Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.Type: GrantFiled: November 30, 2020Date of Patent: August 2, 2022Assignee: Bank of America CorporationInventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
-
Publication number: 20210082042Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.Type: ApplicationFiled: November 30, 2020Publication date: March 18, 2021Inventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
-
Patent number: 10853875Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.Type: GrantFiled: September 21, 2018Date of Patent: December 1, 2020Assignee: Bank of America CorporationInventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
-
Publication number: 20190026823Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.Type: ApplicationFiled: September 21, 2018Publication date: January 24, 2019Inventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
-
Patent number: 10083483Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.Type: GrantFiled: January 9, 2013Date of Patent: September 25, 2018Assignee: Bank of America CorporationInventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
-
Patent number: 9721236Abstract: Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions.Type: GrantFiled: August 9, 2012Date of Patent: August 1, 2017Assignee: Bank of America CorporationInventors: Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, Geoffrey R. Williams, James G. Ronca
-
Patent number: 9679431Abstract: Methods, systems, and computer-readable media for detecting duplicate deposit items at a point of capture are presented. In some embodiments, a computing platform may receive image data of a deposit item presented for deposit. Subsequently, the computing platform may obtain magnetic ink character recognition (MICR) information for the deposit item. Then, the computing platform may extract information from one or more visible fields of the deposit item. Next, the computing platform may compare the MICR information and the information extracted from the one or more visible fields with item history information to determine a confidence score indicative of whether the deposit item is a duplicate of a previously-deposited item. If the confidence score is less than a threshold, the computing platform may reject the deposit item at the point of capture. Alternatively, if the confidence score is not less than the threshold, the computing platform may accept the deposit item.Type: GrantFiled: April 15, 2015Date of Patent: June 13, 2017Assignee: Bank of America CorporationInventor: Geoffrey R. Williams
-
Patent number: 9519893Abstract: Methods, systems, and computer-readable media for processing damaged items using image data lift are presented. In some embodiments, a computing platform may receive image data of a deposit item. Subsequently, the computing platform may determine whether a magnetic ink character recognition (MICR) line of the deposit item is readable. If the MICR line is not readable, the computing platform may perform an image data lift on the image data to extract information from one or more visible fields of the deposit item. Then, the computing platform may identify a payor of the deposit item based on the extracted information and may determine whether the deposit item is an on-us item. If the deposit item is an on-us item, the computing platform may rebuild MICR information for the deposit item. Thereafter, the computing platform may process the deposit item for deposit based on the rebuilt MICR information.Type: GrantFiled: February 4, 2016Date of Patent: December 13, 2016Assignee: Bank of America CorporationInventor: Geoffrey R. Williams
-
Publication number: 20160307388Abstract: Methods, systems, and computer-readable media for detecting duplicate deposit items at a point of capture are presented. In some embodiments, a computing platform may receive image data of a deposit item presented for deposit. Subsequently, the computing platform may obtain magnetic ink character recognition (MICR) information for the deposit item. Then, the computing platform may extract information from one or more visible fields of the deposit item. Next, the computing platform may compare the MICR information and the information extracted from the one or more visible fields with item history information to determine a confidence score indicative of whether the deposit item is a duplicate of a previously-deposited item. If the confidence score is less than a threshold, the computing platform may reject the deposit item at the point of capture. Alternatively, if the confidence score is not less than the threshold, the computing platform may accept the deposit item.Type: ApplicationFiled: April 15, 2015Publication date: October 20, 2016Inventor: Geoffrey R. Williams
-
Publication number: 20160275344Abstract: Methods, systems, and computer-readable media for processing damaged items using image data lift are presented. In some embodiments, a computing platform may receive image data of a deposit item. Subsequently, the computing platform may determine whether a magnetic ink character recognition (MICR) line of the deposit item is readable. If the MICR line is not readable, the computing platform may perform an image data lift on the image data to extract information from one or more visible fields of the deposit item. Then, the computing platform may identify a payor of the deposit item based on the extracted information and may determine whether the deposit item is an on-us item. If the deposit item is an on-us item, the computing platform may rebuild MICR information for the deposit item. Thereafter, the computing platform may process the deposit item for deposit based on the rebuilt MICR information.Type: ApplicationFiled: February 4, 2016Publication date: September 22, 2016Inventor: Geoffrey R. Williams
-
Patent number: 9305228Abstract: Methods, systems, and computer-readable media for processing damaged items using image data lift are presented. In some embodiments, a computing platform may receive image data of a deposit item. Subsequently, the computing platform may determine whether a magnetic ink character recognition (MICR) line of the deposit item is readable. If the MICR line is not readable, the computing platform may perform an image data lift on the image data to extract information from one or more visible fields of the deposit item. Then, the computing platform may identify a payor of the deposit item based on the extracted information and may determine whether the deposit item is an on-us item. If the deposit item is an on-us item, the computing platform may rebuild MICR information for the deposit item. Thereafter, the computing platform may process the deposit item for deposit based on the rebuilt MICR information.Type: GrantFiled: March 20, 2015Date of Patent: April 5, 2016Assignee: Bank of America CorporationInventor: Geoffrey R. Williams
-
Patent number: 9070010Abstract: Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.Type: GrantFiled: August 6, 2012Date of Patent: June 30, 2015Assignee: Bank of America CorporationInventors: Geoffrey R. Williams, Timmy L. Gauvin, Eric S. Sandoz, Kerry M. Cantley, Leslie M. LaRock, James F. Barrett, II, James G. Ronca, Deborah N. Bennett, Joshua A. Beaudry
-
Patent number: 8996476Abstract: Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.Type: GrantFiled: August 20, 2012Date of Patent: March 31, 2015Assignee: Bank of America CorporationInventors: Geoffrey R. Williams, Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, II, James F. Barrett, II, Joshua A. Beaudry
-
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
-
Publication number: 20140195346Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.Type: ApplicationFiled: January 9, 2013Publication date: July 10, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
-
Publication number: 20140195396Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.Type: ApplicationFiled: January 9, 2013Publication date: July 10, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
-
Publication number: 20140195395Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.Type: ApplicationFiled: January 9, 2013Publication date: July 10, 2014Applicant: BANK OF AMERICA CORPORATIONInventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
-
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
-
Publication number: 20140052697Abstract: Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.Type: ApplicationFiled: August 20, 2012Publication date: February 20, 2014Applicant: Bank of America CorporationInventors: Geoffrey R. Williams, Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, II, James F. Barrett, II, Joshua A. Beaudry
-
Publication number: 20140046841Abstract: Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions.Type: ApplicationFiled: August 9, 2012Publication date: February 13, 2014Applicant: Bank of America CorporationInventors: Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, Geoffrey R. Williams, James G. Ronca