Patents by Inventor George Miller Abernethy
George Miller Abernethy 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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Publication number: 20150046333Abstract: A duplicate detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The regional or central processing system may receive capture documents from multiple capture sites. The processing system may analyze the captured documents to identify and flag false-positives prior to performing duplicate detection. Duplicate detection may be performed in accordance with predefined rules associated with false-positive flags. Once duplicate detection is complete, suspected duplicates may undergo manual review while non-duplicates are released for posting or dispatching.Type: ApplicationFiled: July 16, 2014Publication date: February 12, 2015Inventors: George Miller Abernethy, Melinda Hiler, David Wellington McMann, Stephen David Poinier, Geoffrey Reed Williams
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Patent number: 8793191Abstract: A duplicate detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The regional or central processing system may receive capture documents from multiple capture sites. The processing system may analyze the captured documents to identify and flag false-positives prior to performing duplicate detection. Duplicate detection may be performed in accordance with predefined rules associated with false-positive flags. Once duplicate detection is complete, suspected duplicates may undergo manual review while non-duplicates are released for posting or dispatching.Type: GrantFiled: November 1, 2006Date of Patent: July 29, 2014Assignee: Bank of America CorporationInventors: George Miller Abernethy, Melinda Hiler, Dave Wellington McMann, Steve David Poinier, Geoffrey Reed Williams
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Patent number: 8719160Abstract: Payment items are received and processed in the course of a financial transaction. For example, a paying bank may receive an electronic transmission corresponding to a imaged check from a depositing bank. The paying bank may attempt to identify a reason for return within the payment item. If a reason for return is found, a determination may be made that the payment item is a re-clear payment item that has been previously transmitted by the depositing bank and returned by the paying bank. After determining that a payment item is a re-clear, the item may be processed within the paying bank along an abbreviated processing path for faster and less costly item processing. For example, in systems in which duplicate detection is performed on payment items, re-clear items may be classified separately and need not undergo certain automated and/or manual duplicate detection processes.Type: GrantFiled: July 21, 2008Date of Patent: May 6, 2014Assignee: Bank of AmericaInventors: George Miller Abernethy, Tony England, Clarence Lee
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Patent number: 8600789Abstract: An offending item detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The processing system may then analyze the captured documents to identify and flag suspected offending items such as duplicates. Suspected offending items may be removed from a processing stream and replaced by a substitute transaction to keep the financial system in balance and to reduce potential for processing backlog. In the meantime, the suspected offending item may be analyzed. If the item is a false positive, the substitute transaction may be canceled and the financial document reinserted into the processing stream. If the suspected item is a true offending item, the substitute transaction may be replaced by or converted into another transaction funded by a general suspense account.Type: GrantFiled: January 30, 2009Date of Patent: December 3, 2013Assignee: Bank of America CorporationInventors: David Todd Frew, Gregory Clarence Brown, Melinda Karen Petty, George Miller Abernethy, Leslie Marie Doby, Pamela Rowland, Zhongmin Agarwal
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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
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Patent number: 8126252Abstract: A method and system for enhanced check image privacy are disclosed. Embodiments of the present invention provide a way to automatically link the results from quality assurance software to a check image archive to appropriately mark images as unretrievable by customers. Images are interrogated with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches associated, stored magnetic ink character recognition (MICR) data is below a pre-set threshold. The image can be then automatically designated in the financial document archive. The image can be displayed to an operator for analysis when the confidence score is above the pre-set threshold and below a pre-set limit, or in cases where the confidence score cannot be determined by the data matching algorithm.Type: GrantFiled: October 26, 2006Date of Patent: February 28, 2012Assignee: Bank of America CorporationInventors: George Miller Abernethy, Matthew A. Calman, Kathryn B. Carmody, Gregory Tyrone Domally, Lowell R. Huff, Clarence E. Lee, II, Joseph P. Shuster, Carol W. Wiles
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Publication number: 20090292628Abstract: 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: ApplicationFiled: May 23, 2008Publication date: November 26, 2009Applicant: 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
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Publication number: 20080103790Abstract: A duplicate detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The regional or central processing system may receive capture documents from multiple capture sites. The processing system may analyze the captured documents to identify and flag false-positives prior to performing duplicate detection. Duplicate detection may be performed in accordance with predefined rules associated with false-positive flags. Once duplicate detection is complete, suspected duplicates may undergo manual review while non-duplicates are released for posting or dispatching.Type: ApplicationFiled: November 1, 2006Publication date: May 1, 2008Applicant: Bank of AmericaInventors: George Miller Abernethy, Melinda Hiler, David Wellington McMann, Stephen David Poinier, Geoffrey Reed Williams
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Publication number: 20080101680Abstract: A method and system for enhanced check image privacy are disclosed. Embodiments of the present invention provide a way to automatically link the results from quality assurance software to a check image archive to appropriately mark images as unretrievable by customers. Images are interrogated with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches associated, stored magnetic ink character recognition (MICR) data is below a pre-set threshold. The image can be then automatically designated in the financial document archive. The image can be displayed to an operator for analysis when the confidence score is above the pre-set threshold and below a pre-set limit, or in cases where the confidence score cannot be determined by the data matching algorithm.Type: ApplicationFiled: October 26, 2006Publication date: May 1, 2008Applicant: BANK OF AMERICA CORPORATIONInventors: George Miller Abernethy, Matthew A. Calman, Kathryn B. Carmody, Gregory Tyrone Domally, Lowell R. Huff, Clarence E. Lee, Joseph P. Shuster, Carol W. Wiles