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).

  • Patent number: 12136221
    Abstract: 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: Grant
    Filed: July 25, 2023
    Date of Patent: November 5, 2024
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton
  • Publication number: 20240212383
    Abstract: 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: Application
    Filed: March 11, 2024
    Publication date: June 27, 2024
    Applicant: Bank of America Corporation
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne Moulton, Michael J. Pepe
  • Patent number: 11954934
    Abstract: 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: Grant
    Filed: September 14, 2022
    Date of Patent: April 9, 2024
    Assignee: Bank of America Corporation
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
  • Patent number: 11882587
    Abstract: 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: Grant
    Filed: December 6, 2022
    Date of Patent: January 23, 2024
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Gregg L. Veinpel, Michael J. Pepe, Walter S. Schaefer, Joseph James Ahrens, Edward Luna, Irv Hilf
  • Publication number: 20230368391
    Abstract: 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: Application
    Filed: July 25, 2023
    Publication date: November 16, 2023
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
  • Patent number: 11763458
    Abstract: 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: Grant
    Filed: November 30, 2021
    Date of Patent: September 19, 2023
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton
  • Patent number: 11743196
    Abstract: 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: Grant
    Filed: July 20, 2022
    Date of Patent: August 29, 2023
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Sivanaga Ravi Kumar Chunduru Venkata, Michael J. Pepe, Gregg L. Veinpel, Viraj Parekh, Amit Kapoor
  • Publication number: 20230099244
    Abstract: 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: Application
    Filed: December 6, 2022
    Publication date: March 30, 2023
    Applicant: Verizon Patent and Licensing Inc.
    Inventors: Gregg L. Veinpel, Michael J. Pepe, Walter S. Schaefer, Joseph James Ahrens, Edward Luna, Irv Hilf
  • Patent number: 11562594
    Abstract: 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: Grant
    Filed: October 6, 2020
    Date of Patent: January 24, 2023
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton
  • Publication number: 20230005287
    Abstract: 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: Application
    Filed: September 14, 2022
    Publication date: January 5, 2023
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
  • Patent number: 11546920
    Abstract: 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: Grant
    Filed: January 29, 2021
    Date of Patent: January 3, 2023
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Gregg L. Veinpel, Michael J. Pepe, Walter S. Schaefer, Joseph James Ahrens, Edward Luna, Irv Hilf
  • Patent number: 11521407
    Abstract: 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: Grant
    Filed: October 5, 2020
    Date of Patent: December 6, 2022
    Assignee: Bank of America Corporation
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
  • Publication number: 20220360536
    Abstract: 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: Application
    Filed: July 20, 2022
    Publication date: November 10, 2022
    Applicant: Verizon Patent and Licensing Inc.
    Inventors: Sivanaga Ravi Kumar CHUNDURU VENKATA, Michael J. PEPE, Gregg L. VEINPEL, Viraj PAREKH, Amit KAPOOR
  • Patent number: 11451556
    Abstract: 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: Grant
    Filed: December 1, 2020
    Date of Patent: September 20, 2022
    Assignee: Bank of America Corporation
    Inventors: 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
  • Patent number: 11418451
    Abstract: 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: Grant
    Filed: August 7, 2020
    Date of Patent: August 16, 2022
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Sivanaga Ravi Kumar Chunduru Venkata, Michael J. Pepe, Gregg L. Veinpel, Viraj Parekh, Amit Kapoor
  • Publication number: 20220248409
    Abstract: 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: Application
    Filed: January 29, 2021
    Publication date: August 4, 2022
    Applicant: Verizon Patent and Licensing Inc.
    Inventors: Gregg L. Veinpel, Michael J. Pepe, Walter S. Schaefer, Joseph James Ahrens, Edward Luna, Irv Hilf
  • Patent number: 11398101
    Abstract: 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: Grant
    Filed: September 25, 2020
    Date of Patent: July 26, 2022
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton
  • Patent number: 11295278
    Abstract: 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: Grant
    Filed: October 25, 2018
    Date of Patent: April 5, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: James Kevin Benton, Mark David Felse, Sarah Catherine Christine, John Barrett Hall, Michael J. Pepe, Jr., Kerry Kurt Simpkins
  • Publication number: 20220092326
    Abstract: 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: Application
    Filed: November 30, 2021
    Publication date: March 24, 2022
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
  • Patent number: 11256944
    Abstract: 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: Grant
    Filed: September 25, 2020
    Date of Patent: February 22, 2022
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton