Patents by Inventor Joshua A. Beaudry

Joshua A. Beaudry 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).

  • Image check content estimation and use
    Patent number: 9070010
    Abstract: Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
    Type: Grant
    Filed: August 6, 2012
    Date of Patent: June 30, 2015
    Assignee: Bank of America Corporation
    Inventors: Geoffrey R. Williams, Timmy L. Gauvin, Eric S. Sandoz, Kerry M. Cantley, Leslie M. LaRock, James F. Barrett, II, James G. Ronca, Deborah N. Bennett, Joshua A. Beaudry
  • Correction of check processing defects
    Patent number: 8996476
    Abstract: Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.
    Type: Grant
    Filed: August 20, 2012
    Date of Patent: March 31, 2015
    Assignee: Bank of America Corporation
    Inventors: Geoffrey R. Williams, Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, II, James F. Barrett, II, Joshua A. Beaudry
  • Payments Perfection and Processing System
    Publication number: 20150066750
    Abstract: Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application.
    Type: Application
    Filed: November 10, 2014
    Publication date: March 5, 2015
    Inventors: Geoffrey R. Williams, Kenneth R. Cox, Erin K. Cassell, Joshua A. Beaudry, Kerry M. Cantley, Tami M. Shepard, Haywood P. Enloe, Leslie M. LaRock, Timmy L. Gauvin, Clarence E. Lee, II
  • Payments Perfection And Processing System
    Publication number: 20140095379
    Abstract: Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application.
    Type: Application
    Filed: September 28, 2012
    Publication date: April 3, 2014
    Applicant: Bank of America Corporation
    Inventors: Geoffrey R. Williams, Kenneth R. Cox, Erin K. Cassell, Joshua A. Beaudry, Kerry M. Cantley, Tami M. Shepard, Haywood P. Enloe, Leslie M. LaRock, Timmy L. Gauvin, Clarence E. Lee, II
  • CORRECTION OF CHECK PROCESSING DEFECTS
    Publication number: 20140052697
    Abstract: Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.
    Type: Application
    Filed: August 20, 2012
    Publication date: February 20, 2014
    Applicant: Bank of America Corporation
    Inventors: Geoffrey R. Williams, Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, II, James F. Barrett, II, Joshua A. Beaudry
  • IMAGE CHECK CONTENT ESTIMATION AND USE
    Publication number: 20140037182
    Abstract: Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
    Type: Application
    Filed: August 6, 2012
    Publication date: February 6, 2014
    Applicant: Bank of America Corporation
    Inventors: Geoffrey R. Williams, Timmy L. Gauvin, Eric S. Sandoz, Kerry M. Cantley, Leslie M. LaRock, James F. Barrett, II, James G. Ronca, Deborah N. Bennett, Joshua A. Beaudry