Patents by Inventor Helene U. Mele
Helene U. Mele 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: 10169758Abstract: Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account.Type: GrantFiled: August 20, 2015Date of Patent: January 1, 2019Assignee: Bank of America CorporationInventors: William Harrison McGraw, Timothy B. Vannatter, Joshua Bradley Schwartz, Helene U. Mele
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Publication number: 20160027016Abstract: Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account.Type: ApplicationFiled: August 20, 2015Publication date: January 28, 2016Applicant: BANK OF AMERICA CORPORATIONInventors: William Harrison McGraw, Timothy B. Vannatter, Joshua Bradley Schwartz, Helene U. Mele
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Patent number: 8874482Abstract: Systems and methods for permitting a specific individual to deposit monetary funds in an account are described. A first request to permit a specific individual to deposit monetary funds into an account associated with an entity may be received. The specific individual is not an account owner of the account. At least one account owner defined criterion identifying the specific individual is received, and data representing a permission for the specific individual to deposit monetary funds into the account associated with the entity is stored. The at least one criterion may include a name, an address, and/or some other identifier of the specific individual. One or more restrictions may be placed on the ability to deposit monetary funds in the account. Additional specific individuals with similar and/or different restrictions on the ability to deposit may be permitted to deposit monetary funds into the account.Type: GrantFiled: May 24, 2010Date of Patent: October 28, 2014Assignee: Bank of America CorporationInventors: William H. McGraw, Timothy B. Vannatter, Joshua Bradley Schwartz, Helene U. Mele
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Publication number: 20110288998Abstract: Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account.Type: ApplicationFiled: May 24, 2010Publication date: November 24, 2011Applicant: Bank of America CorporationInventors: William H. McGraw, Timothy B. Vannatter, Joshua Bradley Schwartz, Helene U. Mele
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Publication number: 20110288994Abstract: Systems and methods for generating an access code are described. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity is received. The first individual is not an account owner of the account. The access code for permitting the first individual to deposit monetary funds into the account associated with the entity is generated. A second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is received, and the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is outputted. One or more restrictions may be placed on the ability to deposit monetary funds in the account.Type: ApplicationFiled: May 24, 2010Publication date: November 24, 2011Applicant: Bank of America CorporationInventors: William H. McGraw, Timothy B. Vannatter, Joshua Bradley Schwartz, Helene U. Mele
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Publication number: 20110288999Abstract: Systems and methods for permitting a specific individual to deposit monetary funds in an account are described. A first request to permit a specific individual to deposit monetary funds into an account associated with an entity may be received. The specific individual is not an account owner of the account. At least one account owner defined criterion identifying the specific individual is received, and data representing a permission for the specific individual to deposit monetary funds into the account associated with the entity is stored. The at least one criterion may include a name, an address, and/or some other identifier of the specific individual. One or more restrictions may be placed on the ability to deposit monetary funds in the account. Additional specific individuals with similar and/or different restrictions on the ability to deposit may be permitted to deposit monetary funds into the account.Type: ApplicationFiled: May 24, 2010Publication date: November 24, 2011Applicant: Bank of America CorporationInventors: William H. McGraw, Timothy B. Vannatter, Joshua Bradley Schwartz, Helene U. Mele
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Publication number: 20100049643Abstract: Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction.Type: ApplicationFiled: August 19, 2008Publication date: February 25, 2010Applicant: Bank of AmericaInventors: Jeff B. Mitchell, Kathryn Kowalski, Priscilla Young, Matthew A. Calman, Helene U. Mele
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Publication number: 20100049642Abstract: Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction.Type: ApplicationFiled: August 19, 2008Publication date: February 25, 2010Applicant: Bank of AmericaInventors: Keith D. Agisim, Matthew A. Calman, Helene U. Mele