Patents by Inventor Michael J. Pepe
Michael J. Pepe 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: 12136221Abstract: Systems for image evaluation and dynamic cropping are provided. In some examples, a system, may receive an instrument or image of an instrument. Identifying information may be extracted from the instrument or image of the instrument. Based on the extracted identifying information, a check/check image profile may be retrieved. In some examples, expected size and/or shape data may be extracted from the check/check image profile. The extracted expected size and/or shape data may be compared to size and/or shape data from the received instrument or image of the instrument to identify any anomalies (e.g., to determine whether the expected size and/or shape data matches the size and/or shape data of the received instrument or image of the instrument. If the expected size and/or shape data does not match size and/or shape data from the received instrument or image of the instrument, the instrument or image of the instrument may be programmatically modified and a modified image of the instrument may be generated.Type: GrantFiled: July 25, 2023Date of Patent: November 5, 2024Assignee: Bank of America CorporationInventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton
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Publication number: 20240212383Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: ApplicationFiled: March 11, 2024Publication date: June 27, 2024Applicant: Bank of America CorporationInventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne Moulton, Michael J. Pepe
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Patent number: 11954934Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: GrantFiled: September 14, 2022Date of Patent: April 9, 2024Assignee: Bank of America CorporationInventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
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Patent number: 11882587Abstract: A system described herein may provide a technique for identifying User Equipment (“UEs”) associated with relevant users, such as “personal” UEs associated with first responders, based on the occurrence of an event, notifying the UEs of the event, and modifying radio access network (“RAN”) parameters such that the identified UEs are provided with priority access. Further, such modifications may be temporary (e.g., reverted after the event has occurred). In this manner, personal UEs associated with relevant users may be dynamically provided priority access in situations where such access may be beneficial, without needing to permanently provide the priority access to such UEs.Type: GrantFiled: December 6, 2022Date of Patent: January 23, 2024Assignee: Verizon Patent and Licensing Inc.Inventors: Gregg L. Veinpel, Michael J. Pepe, Walter S. Schaefer, Joseph James Ahrens, Edward Luna, Irv Hilf
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Publication number: 20230368391Abstract: Systems for image evaluation and dynamic cropping are provided. In some examples, a system, may receive an instrument or image of an instrument. Identifying information may be extracted from the instrument or image of the instrument. Based on the extracted identifying information, a check/check image profile may be retrieved. In some examples, expected size and/or shape data may be extracted from the check/check image profile. The extracted expected size and/or shape data may be compared to size and/or shape data from the received instrument or image of the instrument to identify any anomalies (e.g., to determine whether the expected size and/or shape data matches the size and/or shape data of the received instrument or image of the instrument. If the expected size and/or shape data does not match size and/or shape data from the received instrument or image of the instrument, the instrument or image of the instrument may be programmatically modified and a modified image of the instrument may be generated.Type: ApplicationFiled: July 25, 2023Publication date: November 16, 2023Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
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Patent number: 11763458Abstract: Systems for image evaluation and dynamic cropping are provided. In some examples, a system, may receive an instrument or image of an instrument. Identifying information may be extracted from the instrument or image of the instrument. Based on the extracted identifying information, a check/check image profile may be retrieved. In some examples, expected size and/or shape data may be extracted from the check/check image profile. The extracted expected size and/or shape data may be compared to size and/or shape data from the received instrument or image of the instrument to identify any anomalies (e.g., to determine whether the expected size and/or shape data matches the size and/or shape data of the received instrument or image of the instrument. If the expected size and/or shape data does not match size and/or shape data from the received instrument or image of the instrument, the instrument or image of the instrument may be programmatically modified and a modified image of the instrument may be generated.Type: GrantFiled: November 30, 2021Date of Patent: September 19, 2023Assignee: Bank of America CorporationInventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton
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Patent number: 11743196Abstract: An example method can include detecting a transaction associated with an application; identifying a characteristic of the transaction; determining a priority for network traffic associated with the application, based on the identified characteristic; selecting, from a plurality of types of networks that are communicatively coupled with the user device and based on the priority for the network traffic, a network type for the network traffic; and causing the network traffic to be routed, from the user device, through a network device associated with the selected network type.Type: GrantFiled: July 20, 2022Date of Patent: August 29, 2023Assignee: Verizon Patent and Licensing Inc.Inventors: Sivanaga Ravi Kumar Chunduru Venkata, Michael J. Pepe, Gregg L. Veinpel, Viraj Parekh, Amit Kapoor
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Publication number: 20230099244Abstract: A system described herein may provide a technique for identifying User Equipment (“UEs”) associated with relevant users, such as “personal” UEs associated with first responders, based on the occurrence of an event, notifying the UEs of the event, and modifying radio access network (“RAN”) parameters such that the identified UEs are provided with priority access. Further, such modifications may be temporary (e.g., reverted after the event has occurred). In this manner, personal UEs associated with relevant users may be dynamically provided priority access in situations where such access may be beneficial, without needing to permanently provide the priority access to such UEs.Type: ApplicationFiled: December 6, 2022Publication date: March 30, 2023Applicant: Verizon Patent and Licensing Inc.Inventors: Gregg L. Veinpel, Michael J. Pepe, Walter S. Schaefer, Joseph James Ahrens, Edward Luna, Irv Hilf
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Patent number: 11562594Abstract: Systems for profile management and control are provided. A system may receive an instrument or image of an instrument. In some examples, data may be extracted from the instrument or image of the instrument and a document profile may be retrieved based on the extracted data. Images within the document profile may be evaluated to identify a type of document for each document. In some examples, a total number of documents of each type may be determined or identified. The total number of documents may be compared to a threshold. If the total number of documents is below the threshold, the documents or images in the profile may be maintained. If the total number of documents is at or above the threshold, in some examples, each document may be further evaluated to determine or identify documents or document images for deletion. In some arrangements, the profile may be refreshed and documents or images identified for deletion may be deleted.Type: GrantFiled: October 6, 2020Date of Patent: January 24, 2023Assignee: Bank of America CorporationInventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton
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Publication number: 20230005287Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: ApplicationFiled: September 14, 2022Publication date: January 5, 2023Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
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Patent number: 11546920Abstract: A system described herein may provide a technique for identifying User Equipment (“UEs”) associated with relevant users, such as “personal” UEs associated with first responders, based on the occurrence of an event, notifying the UEs of the event, and modifying radio access network (“RAN”) parameters such that the identified UEs are provided with priority access. Further, such modifications may be temporary (e.g., reverted after the event has occurred). In this manner, personal UEs associated with relevant users may be dynamically provided priority access in situations where such access may be beneficial, without needing to permanently provide the priority access to such UEs.Type: GrantFiled: January 29, 2021Date of Patent: January 3, 2023Assignee: Verizon Patent and Licensing Inc.Inventors: Gregg L. Veinpel, Michael J. Pepe, Walter S. Schaefer, Joseph James Ahrens, Edward Luna, Irv Hilf
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Patent number: 11521407Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: GrantFiled: October 5, 2020Date of Patent: December 6, 2022Assignee: Bank of America CorporationInventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
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Publication number: 20220360536Abstract: An example method can include detecting a transaction associated with an application; identifying a characteristic of the transaction; determining a priority for network traffic associated with the application, based on the identified characteristic; selecting, from a plurality of types of networks that are communicatively coupled with the user device and based on the priority for the network traffic, a network type for the network traffic; and causing the network traffic to be routed, from the user device, through a network device associated with the selected network type.Type: ApplicationFiled: July 20, 2022Publication date: November 10, 2022Applicant: Verizon Patent and Licensing Inc.Inventors: Sivanaga Ravi Kumar CHUNDURU VENKATA, Michael J. PEPE, Gregg L. VEINPEL, Viraj PAREKH, Amit KAPOOR
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Patent number: 11451556Abstract: Systems for dynamic profile control are provided. A system may receive first check data that may include a number of checks written over a predetermined time period for an account. The first check data may be analyzed to determine the number of checks written in a predetermined time period and the number may be compared to one or more thresholds. Based on the comparison, a first tier level may be identified for the account. A profile record may be generated including a check profile that may include one or more parameters based on the identified first tier level. The system may then build the profile by adding checks to the profile upon determining that the checks meet predefined criteria. After a predetermined time period has expired, the system may process additional data to determine whether the identified tier level and associated parameters should be modified.Type: GrantFiled: December 1, 2020Date of Patent: September 20, 2022Assignee: Bank of America CorporationInventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton, Susan Deans, Athena Barlow
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Patent number: 11418451Abstract: An example method can include detecting a transaction associated with an application; identifying a characteristic of the transaction; determining a priority for network traffic associated with the application, based on the identified characteristic; selecting, from a plurality of types of networks that are communicatively coupled with the user device and based on the priority for the network traffic, a network type for the network traffic; and causing the network traffic to be routed, from the user device, through a network device associated with the selected network type.Type: GrantFiled: August 7, 2020Date of Patent: August 16, 2022Assignee: Verizon Patent and Licensing Inc.Inventors: Sivanaga Ravi Kumar Chunduru Venkata, Michael J. Pepe, Gregg L. Veinpel, Viraj Parekh, Amit Kapoor
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Publication number: 20220248409Abstract: A system described herein may provide a technique for identifying User Equipment (“UEs”) associated with relevant users, such as “personal” UEs associated with first responders, based on the occurrence of an event, notifying the UEs of the event, and modifying radio access network (“RAN”) parameters such that the identified UEs are provided with priority access. Further, such modifications may be temporary (e.g., reverted after the event has occurred). In this manner, personal UEs associated with relevant users may be dynamically provided priority access in situations where such access may be beneficial, without needing to permanently provide the priority access to such UEs.Type: ApplicationFiled: January 29, 2021Publication date: August 4, 2022Applicant: Verizon Patent and Licensing Inc.Inventors: Gregg L. Veinpel, Michael J. Pepe, Walter S. Schaefer, Joseph James Ahrens, Edward Luna, Irv Hilf
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Patent number: 11398101Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and a user profile may be retrieved. The user profile may include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.Type: GrantFiled: September 25, 2020Date of Patent: July 26, 2022Assignee: Bank of America CorporationInventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton
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Patent number: 11295278Abstract: Embodiments of the present invention provide apparatuses and methods that help validate and process payment instruments for different products, such as but not limited to credit card payments, mortgage payments, or any other type of payment. The payment amount from a payment instrument may be determined from a multiple locations on the payment instrument. In addition, a payment amount may be determined from a remittance document that accompanies the payment instrument, such as a remittance coupon that is mailed along with a check. The amount in the remittance courtesy box, the minimum amount due, the last payment made, and the full balance remaining may all be captured and used to validate the amount on the payment instrument. Moreover, one or more confidence scores for the amounts on the payment instrument and remittance document may be used to validate the payment amount.Type: GrantFiled: October 25, 2018Date of Patent: April 5, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: James Kevin Benton, Mark David Felse, Sarah Catherine Christine, John Barrett Hall, Michael J. Pepe, Jr., Kerry Kurt Simpkins
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Publication number: 20220092326Abstract: Systems for image evaluation and dynamic cropping are provided. In some examples, a system, may receive an instrument or image of an instrument. Identifying information may be extracted from the instrument or image of the instrument. Based on the extracted identifying information, a check/check image profile may be retrieved. In some examples, expected size and/or shape data may be extracted from the check/check image profile. The extracted expected size and/or shape data may be compared to size and/or shape data from the received instrument or image of the instrument to identify any anomalies (e.g., to determine whether the expected size and/or shape data matches the size and/or shape data of the received instrument or image of the instrument. If the expected size and/or shape data does not match size and/or shape data from the received instrument or image of the instrument, the instrument or image of the instrument may be programmatically modified and a modified image of the instrument may be generated.Type: ApplicationFiled: November 30, 2021Publication date: March 24, 2022Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
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Patent number: 11256944Abstract: Systems for image evaluation and dynamic cropping are provided. In some examples, a system, may receive an instrument or image of an instrument. Identifying information may be extracted from the instrument or image of the instrument. Based on the extracted identifying information, a check/check image profile may be retrieved. In some examples, expected size and/or shape data may be extracted from the check/check image profile. The extracted expected size and/or shape data may be compared to size and/or shape data from the received instrument or image of the instrument to identify any anomalies (e.g., to determine whether the expected size and/or shape data matches the size and/or shape data of the received instrument or image of the instrument. If the expected size and/or shape data does not match size and/or shape data from the received instrument or image of the instrument, the instrument or image of the instrument may be programmatically modified and a modified image of the instrument may be generated.Type: GrantFiled: September 25, 2020Date of Patent: February 22, 2022Assignee: Bank of America CorporationInventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton