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).
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Patent number: 10460296Abstract: 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: GrantFiled: February 8, 2016Date of Patent: October 29, 2019Assignee: Bank of America CorporationInventors: Jeffrey R. Goertz, Kerry M. Cantley
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Patent number: 10437880Abstract: 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: GrantFiled: February 8, 2016Date of Patent: October 8, 2019Assignee: BANK OF AMERICA CORPORATIONInventors: 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
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Patent number: 10437778Abstract: 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: GrantFiled: February 8, 2016Date of Patent: October 8, 2019Assignee: BANK OF AMERICA CORPORATIONInventors: 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
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Publication number: 20170228397Abstract: 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: ApplicationFiled: February 8, 2016Publication date: August 10, 2017Inventors: 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
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Publication number: 20170228386Abstract: 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: ApplicationFiled: February 8, 2016Publication date: August 10, 2017Inventors: 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
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Publication number: 20170228706Abstract: 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: ApplicationFiled: February 8, 2016Publication date: August 10, 2017Inventors: Carl Parziale, Kerry M. Cantley
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Publication number: 20170228703Abstract: 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: ApplicationFiled: February 8, 2016Publication date: August 10, 2017Inventors: Jeffrey R. Goertz, Kerry M. Cantley
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Patent number: 9721236Abstract: 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: GrantFiled: August 9, 2012Date of Patent: August 1, 2017Assignee: Bank of America CorporationInventors: Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, Geoffrey R. Williams, James G. Ronca
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Patent number: 9384418Abstract: 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: GrantFiled: February 19, 2016Date of Patent: July 5, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
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Publication number: 20160171342Abstract: 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: ApplicationFiled: February 19, 2016Publication date: June 16, 2016Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, JR., Lori G. Noesges
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Patent number: 9342755Abstract: 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: GrantFiled: December 21, 2015Date of Patent: May 17, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
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Publication number: 20160110629Abstract: 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: ApplicationFiled: December 21, 2015Publication date: April 21, 2016Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Lori G. Noesges
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Patent number: 9218701Abstract: 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: GrantFiled: May 28, 2013Date of Patent: December 22, 2015Assignee: Bank of America CorporationInventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
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Patent number: 9070010Abstract: 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: GrantFiled: August 6, 2012Date of Patent: June 30, 2015Assignee: Bank of America CorporationInventors: 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
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Patent number: 8996476Abstract: 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: GrantFiled: August 20, 2012Date of Patent: March 31, 2015Assignee: Bank of America CorporationInventors: Geoffrey R. Williams, Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, II, James F. Barrett, II, Joshua A. Beaudry
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Publication number: 20150066750Abstract: 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: ApplicationFiled: November 10, 2014Publication date: March 5, 2015Inventors: 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
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Publication number: 20140355865Abstract: 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: ApplicationFiled: May 28, 2013Publication date: December 4, 2014Applicant: Bank of America CorporationInventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
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Publication number: 20140095379Abstract: 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: ApplicationFiled: September 28, 2012Publication date: April 3, 2014Applicant: Bank of America CorporationInventors: 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
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Publication number: 20140052697Abstract: 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: ApplicationFiled: August 20, 2012Publication date: February 20, 2014Applicant: Bank of America CorporationInventors: Geoffrey R. Williams, Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, II, James F. Barrett, II, Joshua A. Beaudry
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Publication number: 20140046841Abstract: 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: ApplicationFiled: August 9, 2012Publication date: February 13, 2014Applicant: Bank of America CorporationInventors: Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, Geoffrey R. Williams, James G. Ronca