Patents by Inventor Kerry M. Cantley

Kerry M. Cantley 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).

  • Publication number: 20170228386
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for archive validation and retention parameter determination for documents. The system may generate or receive image documents. Utilizing image quality and data storage metrics the system may trigger the purging and/or retention of documents in image and/or paper form. Furthermore, the system may identify a duration of storage, location of storage, and the like. Upon retention, the system may continually monitor the documents and store metadata associated with the use of the retained documents. This monitoring may identify a period for purging the document, efficiently allowing for physical or server space availability.
    Type: Application
    Filed: February 8, 2016
    Publication date: August 10, 2017
    Inventors: Kerry M. Cantley, Shawn Cart Gunsolley, Erin Cassell, Jeffrey R. Goertz, Geoffrey Reed Williams, Deborah A. Copes, Carl Parziale, Emily Brooke Gillespie, David Jacob Feezor
  • Publication number: 20170228703
    Abstract: Systems, computer program products, and methods are described herein for processing a set of information associated with a check image using one or more disposition parameters to determine an automated disposition of the check associated with the check image. The present invention is configured to receive a set of information associated with a check image; receive one or more disposition parameters associated with a financial institution; apply the one or more disposition parameters to the set of information associated with the check image; determine automated disposition of the check based on at least applying the one or more disposition parameters to the set of information associated with the check image; and execute the automated disposition of the check.
    Type: Application
    Filed: February 8, 2016
    Publication date: August 10, 2017
    Inventors: Jeffrey R. Goertz, Kerry M. Cantley
  • Publication number: 20170228706
    Abstract: Embodiments of the present invention provide a system for triggering alerts to accumulate system resources in response to deposit amounts exceeding a threshold. The system determines a threshold deposit amount based on a regulatory amount of deposited funds that must occur during a regulatory period before a report must be provided to a regulatory agency. The system accumulates deposit data to create a deposit database. When the system receives a request for a new deposit associated with a new deposit amount and a user, the system can identify previous related deposits by searching the deposit database. The system may then combine an amount of the previous deposits with the new deposit amount to determine a total deposited amount. If the total deposited amount exceeds the threshold deposit amount, then the system will request additional regulatory information associated with the deposits before processing the deposit.
    Type: Application
    Filed: February 8, 2016
    Publication date: August 10, 2017
    Inventors: Carl Parziale, Kerry M. Cantley
  • Publication number: 20170228397
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for a feedback loop for enhancing archive validation and retention parameter determination for documents. The system may generate or receive image documents. Utilizing image quality and data storage metrics the system may trigger the purging and/or retention of documents in image and/or paper form. Upon retention, the system may continually monitor the documents and store metadata associated with the use of the retained documents. Once the documents are purged, the system compiles historic data points associated with the image quality and data storage metrics. Furthermore, the system extracts the metadata associated with the monitoring of retained documents. These data points and metadata are reviewed to provide revisions in retention parameters for specific documents. A feedback loop directly communicates and integrates the revisions to the metric and criteria for instant integration.
    Type: Application
    Filed: February 8, 2016
    Publication date: August 10, 2017
    Inventors: Kerry M. Cantley, Shawn Cart Gunsolley, Erin Cassell, Jeffrey R. Goertz, Geoffrey Reed Williams, Deborah A. Copes, Carl Parziale, Emily Brooke Gillespie, David Jacob Feezor
  • Patent number: 9721236
    Abstract: Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions.
    Type: Grant
    Filed: August 9, 2012
    Date of Patent: August 1, 2017
    Assignee: Bank of America Corporation
    Inventors: Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, Geoffrey R. Williams, James G. Ronca
  • Patent number: 9384418
    Abstract: Embodiment for detecting duplicate images include systems for determining that two or more of the images have similar key attributes such as attributes related to certain data in the images or image quality. Further, the embodiments include superimposing at least a portion of a first image of the two or more images over at least a portion of the second image of the two or more images, comparing the first image and second image; and determining whether the first image and the second image are identical.
    Type: Grant
    Filed: February 19, 2016
    Date of Patent: July 5, 2016
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
  • Publication number: 20160171342
    Abstract: Embodiment for detecting duplicate images include systems for determining that two or more of the images have similar key attributes such as attributes related to certain data in the images or image quality. Further, the embodiments include superimposing at least a portion of a first image of the two or more images over at least a portion of the second image of the two or more images, comparing the first image and second image; and determining whether the first image and the second image are identical.
    Type: Application
    Filed: February 19, 2016
    Publication date: June 16, 2016
    Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, JR., Lori G. Noesges
  • Patent number: 9342755
    Abstract: Embodiment for detecting duplicate images include systems for determining that two or more of the images have similar key attributes such as attributes related to certain data in the images or image quality. Further, the embodiments include superimposing at least a portion of a first image of the two or more images over at least a portion of the second image of the two or more images, comparing the first image and second image; and determining whether the first image and the second image are identical.
    Type: Grant
    Filed: December 21, 2015
    Date of Patent: May 17, 2016
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
  • Publication number: 20160110629
    Abstract: Embodiment for detecting duplicate images include systems for determining that two or more of the images have similar key attributes such as attributes related to certain data in the images or image quality. Further, the embodiments include superimposing at least a portion of a first image of the two or more images over at least a portion of the second image of the two or more images, comparing the first image and second image; and determining whether the first image and the second image are identical.
    Type: Application
    Filed: December 21, 2015
    Publication date: April 21, 2016
    Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Lori G. Noesges
  • Patent number: 9218701
    Abstract: Embodiment for detecting duplicate images include systems for determining that two or more of the images have similar key attributes such as attributes related to certain data in the images or image quality. Further, the embodiments include superimposing at least a portion of a first image of the two or more images over at least a portion of the second image of the two or more images, comparing the first image and second image; and determining whether the first image and the second image are identical.
    Type: Grant
    Filed: May 28, 2013
    Date of Patent: December 22, 2015
    Assignee: Bank of America Corporation
    Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
  • 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
  • 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
  • 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
  • Publication number: 20140355865
    Abstract: Embodiment for detecting duplicate images include systems for determining that two or more of the images have similar key attributes such as attributes related to certain data in the images or image quality. Further, the embodiments include superimposing at least a portion of a first image of the two or more images over at least a portion of the second image of the two or more images, comparing the first image and second image; and determining whether the first image and the second image are identical.
    Type: Application
    Filed: May 28, 2013
    Publication date: December 4, 2014
    Applicant: Bank of America Corporation
    Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
  • 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
  • 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
  • Publication number: 20140046841
    Abstract: Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions.
    Type: Application
    Filed: August 9, 2012
    Publication date: February 13, 2014
    Applicant: Bank of America Corporation
    Inventors: Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, Geoffrey R. Williams, James G. Ronca
  • 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
  • Publication number: 20140040141
    Abstract: A computer-readable media storing computer-executable instructions for using a check deposit device to process a check is provided. The method derives meta-data from the check. The check deposit device may use an image receiver device to obtain a check image from the check. The method may use the processor to define a plurality of check segments within the check image. The processor device may obtain content from each of the plurality of check segments. The processor device may be store the content of each of the check segments in a machine readable memory and may utilize a transmitter to transmit the content from the plurality of check segments to a check-clearance engine. The check deposit device may receive from the check-clearance engine, in response to the transmission of the portion of the content from the plurality of check segments, an indication of the sufficiency of funds in an account.
    Type: Application
    Filed: August 2, 2012
    Publication date: February 6, 2014
    Applicant: Bank of America Corporation
    Inventors: Timmy L. Gauvin, Kerry M. Cantley, James G. Ronca, Leslie M. LaRock
  • Patent number: 8272564
    Abstract: The check carrier consists of an envelope of translucent material that is dimensioned to closely conform to the dimensions of a standard check. The back of the check carrier includes an endorsement window through which a bank or other financial institution can apply its endorsement stamp directly to the check. The bottom of the check carrier may be provided with an area for receiving the MICR printing such that the MICR can be read directly off of the carrier. The MICR area can be removed. The open end of the check carrier can be sealed closed using a repositionable adhesive. The adhesive can also be used interior of the check carrier such that the adhesive contacts the check to fix the check within the carrier.
    Type: Grant
    Filed: March 18, 2010
    Date of Patent: September 25, 2012
    Assignee: Bank of America Corporation
    Inventors: Kerry M. Cantley, Teresa J. Vasquez