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: 11238686
    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 2, 2020
    Date of Patent: February 1, 2022
    Assignee: Bank of America Corporation
    Inventors: Murali Santhanam, Michael J. Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Publication number: 20210084047
    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, or the like. The first check data may be analyzed to determine a number of checks written in a predetermined time period and the volume or number may be compared to one or more thresholds or ranges. Based on the comparison, a first tier level may be identified for the account or the like. A profile record may be generated including a check profile that may include one or more parameters determined based on the identified first tier level. The system may then build the profile by adding checks or other documents to the profile upon determining that the checks or other documents 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: Application
    Filed: December 1, 2020
    Publication date: March 18, 2021
    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: 10917410
    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, or the like. The first check data may be analyzed to determine a number of checks written in a predetermined time period and the volume or number may be compared to one or more thresholds or ranges. Based on the comparison, a first tier level may be identified for the account or the like. A profile record may be generated including a check profile that may include one or more parameters determined based on the identified first tier level. The system may then build the profile by adding checks or other documents to the profile upon determining that the checks or other documents 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: October 11, 2018
    Date of Patent: February 9, 2021
    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
  • Publication number: 20210027563
    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: October 2, 2020
    Publication date: January 28, 2021
    Inventors: Murali Santhanam, Michael J. Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Publication number: 20210019518
    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: Application
    Filed: October 6, 2020
    Publication date: January 21, 2021
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jasher David Fowles, Jeanne M. Moulton
  • Publication number: 20210019515
    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: October 5, 2020
    Publication date: January 21, 2021
    Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
  • Publication number: 20210019517
    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: Application
    Filed: September 25, 2020
    Publication date: January 21, 2021
    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: 20210012132
    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: September 25, 2020
    Publication date: January 14, 2021
    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: 10846527
    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 11, 2018
    Date of Patent: November 24, 2020
    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: 20200366616
    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: August 7, 2020
    Publication date: November 19, 2020
    Applicant: Verizon Patent and Licensing Inc.
    Inventors: Sivanaga Ravi Kumar CHUNDURU VENKATA, Michael J. PEPE, Gregg L. VEINPEL, Viraj PAREKH, Amit KAPOOR
  • Patent number: 10839243
    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: October 11, 2018
    Date of Patent: November 17, 2020
    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: 10824856
    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: October 11, 2018
    Date of Patent: November 3, 2020
    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: 10764193
    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: January 30, 2019
    Date of Patent: September 1, 2020
    Assignee: Verizon Patent and Licensing, Inc.
    Inventors: Sivanaga Ravi Kumar Chunduru Venkata, Michael J. Pepe, Gregg L. Veinpel, Viraj Parekh, Amit Kapoor
  • Publication number: 20200244581
    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: January 30, 2019
    Publication date: July 30, 2020
    Inventors: Sivanaga Ravi Kumar Chunduru Venkata, Michael J. Pepe, Gregg L. Veinpel, Viraj Parekh, Amit Kapoor
  • Patent number: 10726254
    Abstract: Systems for dynamically detecting duplicate items are provided. In some examples, a system, may receive a document, document image, document details or the like. The system may identify at least one other document for comparison to the received document. The system may perform optical character recognition on the document or document image to identify data within one or more standard fields of the document. The detected data may be compared to the at least one other document and, if no matches exist, the document may be identified as not a duplicate. If one or more matches exist, the system may identify x and y coordinates of a location of data within one or more standard fields on the received document. A corresponding location on the at least one other document may be identified based on the x and y coordinates.
    Type: Grant
    Filed: March 16, 2018
    Date of Patent: July 28, 2020
    Assignee: Bank of America Corporation
    Inventors: Michael J. Pepe, Jr., Kerry Kurt Simpkins, John Barrett Hall, Robert E. Mills, Jr., Murali Santhanam
  • Publication number: 20200117892
    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: Application
    Filed: October 11, 2018
    Publication date: April 16, 2020
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
  • Publication number: 20200117934
    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: October 11, 2018
    Publication date: April 16, 2020
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
  • Publication number: 20200117891
    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: Application
    Filed: October 11, 2018
    Publication date: April 16, 2020
    Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, JR., Jasher David Fowles, Jeanne Moulton
  • Publication number: 20200120099
    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, or the like. The first check data may be analyzed to determine a number of checks written in a predetermined time period and the volume or number may be compared to one or more thresholds or ranges. Based on the comparison, a first tier level may be identified for the account or the like. A profile record may be generated including a check profile that may include one or more parameters determined based on the identified first tier level. The system may then build the profile by adding checks or other documents to the profile upon determining that the checks or other documents 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: Application
    Filed: October 11, 2018
    Publication date: April 16, 2020
    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
  • Publication number: 20190286900
    Abstract: Systems for dynamically detecting duplicate items are provided. In some examples, a system, may receive a document, document image, document details or the like. The system may identify at least one other document for comparison to the received document. The system may perform optical character recognition on the document or document image to identify data within one or more standard fields of the document. The detected data may be compared to the at least one other document and, if no matches exist, the document may be identified as not a duplicate. If one or more matches exist, the system may identify x and y coordinates of a location of data within one or more standard fields on the received document. A corresponding location on the at least one other document may be identified based on the x and y coordinates.
    Type: Application
    Filed: March 16, 2018
    Publication date: September 19, 2019
    Inventors: Michael J. Pepe, JR., Kerry Kurt Simpkins, John Barrett Hall, Robert E. Mills, JR., Murali Santhanam