Patents by Inventor John Harden Quintiliani

John Harden Quintiliani 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).

  • Service participation acknowledgement system
    Patent number: 9047639
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service participation acknowledgment mechanism at a transaction machine.
    Type: Grant
    Filed: September 10, 2010
    Date of Patent: June 2, 2015
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: John Harden Quintiliani, Brian Thomas Borders, Lomney Ann Bryan, Paul Ronald DeKoster, Doris Maria Garrett, Katherine Elizabeth Sutton, Tamara S. Kingston, John Franklin Tuders, Erik Stephen Ross
  • Offsetting future account discrepancy assessments
    Patent number: 8527414
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future account discrepancy assessments.
    Type: Grant
    Filed: January 14, 2011
    Date of Patent: September 3, 2013
    Assignee: Bank of America Corporation
    Inventors: Erik Stephen Ross, Tamara S. Kingston, John Franklin Tuders, John Harden Quintiliani
  • OFFSETTING FUTURE OVERAGE FEES
    Publication number: 20120185389
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future overage fees. For example, in some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future overage fees, where the one or more payments are associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an overage fee associated with the overage; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient.
    Type: Application
    Filed: January 14, 2011
    Publication date: July 19, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Erik Stephen Ross, Tamara S. Kingston, John Franklin Tuders, John Harden Quintiliani