Patents by Inventor Jeanne M. Moulton

Jeanne M. Moulton 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: 11954934
    Abstract: 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: Grant
    Filed: September 14, 2022
    Date of Patent: April 9, 2024
    Assignee: Bank of America Corporation
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
  • Patent number: 11562594
    Abstract: 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: Grant
    Filed: October 6, 2020
    Date of Patent: January 24, 2023
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton
  • Publication number: 20230005287
    Abstract: 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: Application
    Filed: September 14, 2022
    Publication date: January 5, 2023
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
  • Patent number: 11521407
    Abstract: 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: Grant
    Filed: October 5, 2020
    Date of Patent: December 6, 2022
    Assignee: Bank of America Corporation
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
  • Patent number: 11398101
    Abstract: 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: Grant
    Filed: September 25, 2020
    Date of Patent: July 26, 2022
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton
  • Patent number: 11256944
    Abstract: 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: Grant
    Filed: September 25, 2020
    Date of Patent: February 22, 2022
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton
  • Patent number: 11238686
    Abstract: 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: Grant
    Filed: October 2, 2020
    Date of Patent: February 1, 2022
    Assignee: Bank of America Corporation
    Inventors: Murali Santhanam, Michael J. Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Publication number: 20210027563
    Abstract: 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: Application
    Filed: October 2, 2020
    Publication date: January 28, 2021
    Inventors: Murali Santhanam, Michael J. Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Publication number: 20210019515
    Abstract: 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: Application
    Filed: October 5, 2020
    Publication date: January 21, 2021
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
  • Publication number: 20210019517
    Abstract: 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: Application
    Filed: September 25, 2020
    Publication date: January 21, 2021
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne M. Moulton
  • Publication number: 20210019518
    Abstract: 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: Application
    Filed: October 6, 2020
    Publication date: January 21, 2021
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jasher David Fowles, Jeanne M. Moulton
  • Publication number: 20210012132
    Abstract: 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: Application
    Filed: September 25, 2020
    Publication date: January 14, 2021
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne M. Moulton
  • Patent number: 10832050
    Abstract: 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: Grant
    Filed: December 6, 2018
    Date of Patent: November 10, 2020
    Assignee: Bank of America Corporation
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael Joseph Pepe
  • Patent number: 10825279
    Abstract: 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: Grant
    Filed: December 6, 2018
    Date of Patent: November 3, 2020
    Assignee: Bank of America Corporation
    Inventors: Murali Santhanam, Michael Joseph Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Publication number: 20200184211
    Abstract: 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: Application
    Filed: December 6, 2018
    Publication date: June 11, 2020
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael Joseph Pepe
  • Publication number: 20200184759
    Abstract: 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: Application
    Filed: December 6, 2018
    Publication date: June 11, 2020
    Inventors: Murali Santhanam, Michael Joseph Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Publication number: 20200184429
    Abstract: 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: Application
    Filed: December 6, 2018
    Publication date: June 11, 2020
    Inventors: Jeanne M. Moulton, Jasher David Fowles, Murali Santhanam, Michael Joseph Pepe, John Barrett Hall, Kerry Kurt Simpkins, Robert E. Mills, Jr.