Patents by Inventor Jasher David Fowles
Jasher David Fowles 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: 10832050Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: GrantFiled: December 6, 2018Date of Patent: November 10, 2020Assignee: Bank of America CorporationInventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael Joseph Pepe
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Patent number: 10824856Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and a user profile may be retrieved. The user profile may include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: GrantFiled: October 11, 2018Date of Patent: November 3, 2020Assignee: Bank of America CorporationInventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton
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Patent number: 10825279Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: GrantFiled: December 6, 2018Date of Patent: November 3, 2020Assignee: Bank of America CorporationInventors: Murali Santhanam, Michael Joseph Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
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Publication number: 20200184429Abstract: Aspects of the disclosure relate to processing systems that perform item recognition and profile generation for dynamic event processing. A computing platform may receive a first check image containing first check data, and may generate a profile correlating the first check data to a user account. The computing platform may receive a second check image containing second check data. The computing platform may receive profile information corresponding to one or more recognized fields of the second check image, where the profile information includes the information associated with the profile. The computing platform may determine whether a confidence score indicating a correlation between the second check data and the profile exceeds a predetermined correlation threshold. Based on determining that the confidence score does exceed the predetermined correlation threshold, the computing platform may send commands directing an event processing platform to process the second check image based on the profile.Type: ApplicationFiled: December 6, 2018Publication date: June 11, 2020Inventors: Jeanne M. Moulton, Jasher David Fowles, Murali Santhanam, Michael Joseph Pepe, John Barrett Hall, Kerry Kurt Simpkins, Robert E. Mills, Jr.
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Publication number: 20200184759Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: ApplicationFiled: December 6, 2018Publication date: June 11, 2020Inventors: Murali Santhanam, Michael Joseph Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
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Publication number: 20200184211Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: ApplicationFiled: December 6, 2018Publication date: June 11, 2020Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael Joseph Pepe
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Patent number: 10652370Abstract: An image item processing engine for image item exchange may receive an image item data packet including two image items, each including a digital image documenting an action for a recipient institution and associated metadata. The metadata may identify the image item sender and a country associated with an image item, the packet originator, or the recipient institution, at least one country associated with the second image item being different than a country associated with the first image item. The engine may apply sorting rules to determine item types for the first and second image items based on their metadata, determine a recipient institution for the packet based on the item types, assemble a data transfer packet including the digital images and metadata included in the first and second image items, and provide the data transfer packet to a transfer packet routing service for routing to the selected recipient institution.Type: GrantFiled: December 7, 2017Date of Patent: May 12, 2020Assignee: Bank of America CorporationInventors: Timmy Leo Gauvin, Kenneth R. Cox, Haywood P. Enloe, Jasher David Fowles, Georgeann Paschal Gregory, Christopher David Greth, Shawn Cart Gunsolley, Charles Christopher Harbinson, Leslie Marie LaRock, Clarence E. Lee, II, Timothy Alan Mincey, Jeanne Marie Moulton, Raymond William Schall, Jr., Tami Marie Shepard, Michael G. Smith, Shashi R. Warrier
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Publication number: 20200117934Abstract: Systems for image evaluation and dynamic cropping are provided. In some examples, a system, may receive an instrument or image of an instrument. Identifying information may be extracted from the instrument or image of the instrument. Based on the extracted identifying information, a check/check image profile may be retrieved. In some examples, expected size and/or shape data may be extracted from the check/check image profile. The extracted expected size and/or shape data may be compared to size and/or shape data from the received instrument or image of the instrument to identify any anomalies (e.g., to determine whether the expected size and/or shape data matches the size and/or shape data of the received instrument or image of the instrument. If the expected size and/or shape data does not match size and/or shape data from the received instrument or image of the instrument, the instrument or image of the instrument may be programmatically modified and a modified image of the instrument may be generated.Type: ApplicationFiled: October 11, 2018Publication date: April 16, 2020Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
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Publication number: 20200117892Abstract: Systems for profile management and control are provided. A system may receive an instrument or image of an instrument. In some examples, data may be extracted from the instrument or image of the instrument and a document profile may be retrieved based on the extracted data. Images within the document profile may be evaluated to identify a type of document for each document. In some examples, a total number of documents of each type may be determined or identified. The total number of documents may be compared to a threshold. If the total number of documents is below the threshold, the documents or images in the profile may be maintained. If the total number of documents is at or above the threshold, in some examples, each document may be further evaluated to determine or identify documents or document images for deletion. In some arrangements, the profile may be refreshed and documents or images identified for deletion may be deleted.Type: ApplicationFiled: October 11, 2018Publication date: April 16, 2020Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
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Publication number: 20200120099Abstract: Systems for dynamic profile control are provided. A system may receive first check data that may include a number of checks written over a predetermined time period for an account, or the like. The first check data may be analyzed to determine a number of checks written in a predetermined time period and the volume or number may be compared to one or more thresholds or ranges. Based on the comparison, a first tier level may be identified for the account or the like. A profile record may be generated including a check profile that may include one or more parameters determined based on the identified first tier level. The system may then build the profile by adding checks or other documents to the profile upon determining that the checks or other documents meet predefined criteria. After a predetermined time period has expired, the system may process additional data to determine whether the identified tier level and associated parameters should be modified.Type: ApplicationFiled: October 11, 2018Publication date: April 16, 2020Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton, Susan Deans, Athena Barlow
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Publication number: 20200117891Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and a user profile may be retrieved. The user profile may include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: ApplicationFiled: October 11, 2018Publication date: April 16, 2020Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
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Publication number: 20190182369Abstract: An image item processing engine for image item exchange may receive an image item data packet including two image items, each including a digital image documenting an action for a recipient institution and associated metadata. The metadata may identify the image item sender and a country associated with an image item, the packet originator, or the recipient institution, at least one country associated with the second image item being different than a country associated with the first image item. The engine may apply sorting rules to determine item types for the first and second image items based on their metadata, determine a recipient institution for the packet based on the item types, assemble a data transfer packet including the digital images and metadata included in the first and second image items, and provide the data transfer packet to a transfer packet routing service for routing to the selected recipient institution.Type: ApplicationFiled: December 7, 2017Publication date: June 13, 2019Inventors: Timmy Leo Gauvin, Kenneth R. Cox, Haywood P. Enloe, Jasher David Fowles, Georgeann Paschal Gregory, Christopher David Greth, Shawn Cart Gunsolley, Charles Christopher Harbinson, Leslie Marie LaRock, Clarence E. Lee, II, Timothy Alan Mincey, Jeanne Marie Moulton, Raymond William Schall, JR., Tami Marie Shepard, Michael G. Smith, Shashi R. Warrier