Patents by Inventor Michael Gerald Smith

Michael Gerald Smith 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: 20140233834
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: Bank of America Corporation
    Inventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
  • Publication number: 20140233837
    Abstract: Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
  • Patent number: 8756159
    Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a system to receive information related to check transaction based on the location of the user. In one embodiment of the invention, the computer-implemented method determines a location of a check transaction and stores the location in an archive in association with the check transaction. The method then determines a location of a user and determines a list of check transactions associated with the location of the user. In some embodiments, the method provides the list of check transactions to the user. The method may also provide offers or recommendations to the user, such as an offer to establish a direct transfer instead of using a check in the future. The user and/or the provider of the method may also broaden or narrow the search results based on characteristics of the transaction.
    Type: Grant
    Filed: February 15, 2013
    Date of Patent: June 17, 2014
    Assignee: Bank of America Corporation
    Inventors: Lisa Gibson, Geoffrey Reed Williams, Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Melvin Gregory Nixon
  • Patent number: 6386298
    Abstract: A hole opener and method for using same which allows for a greater number of cone utters to be attached to the hole opener. The support structure provided by the present invention uses a barrel which is attached to the drill stem to effectively increase the diameter of the drill stem so that additional cutters may be attached to the hole opener. Using the barrel structure, the structural integrity of the tool is not compromised, and a strong support structure for the cutters is provided. The cone cutters may be removable from the barrel. The removable structure is provided by placing a bolt inside the segments which is used to mate the segment with a pocket attached to the barrel. This results in a very versatile tool in that the same boring head may be used for boring various types of materials. The barrel structure of the present invention also provides a means for trapping cones inside the barrel to prevent the cone cutters from being left inside the hole.
    Type: Grant
    Filed: May 30, 2000
    Date of Patent: May 14, 2002
    Inventors: Michael Gerald Smith, Melvin Flois Hicks