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: 11238686Abstract: 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 2, 2020Date of Patent: February 1, 2022Assignee: Bank of America CorporationInventors: Murali Santhanam, Michael J. Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
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Publication number: 20210084047Abstract: 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: ApplicationFiled: December 1, 2020Publication date: March 18, 2021Inventors: 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: 10917410Abstract: 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: GrantFiled: October 11, 2018Date of Patent: February 9, 2021Assignee: 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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Publication number: 20210027563Abstract: 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: October 2, 2020Publication date: January 28, 2021Inventors: Murali Santhanam, Michael J. Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
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Publication number: 20210019518Abstract: 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: ApplicationFiled: October 6, 2020Publication date: January 21, 2021Inventors: Robert E. Mills, JR., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jasher David Fowles, Jeanne M. Moulton
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Publication number: 20210019515Abstract: 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: October 5, 2020Publication date: January 21, 2021Inventors: Jasher David Fowles, Kerry Kurt Simpkins, John B. Hall, Murali Santhanam, Jeanne M. Moulton, Michael J. Pepe
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Publication number: 20210019517Abstract: 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: ApplicationFiled: September 25, 2020Publication date: January 21, 2021Inventors: 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: 20210012132Abstract: 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: September 25, 2020Publication date: January 14, 2021Inventors: 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: 10846527Abstract: 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 11, 2018Date of Patent: November 24, 2020Assignee: 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: 20200366616Abstract: 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: August 7, 2020Publication date: November 19, 2020Applicant: 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: 10839243Abstract: 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: October 11, 2018Date of Patent: November 17, 2020Assignee: 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: 10824856Abstract: 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: October 11, 2018Date of Patent: November 3, 2020Assignee: 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: 10764193Abstract: 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: January 30, 2019Date of Patent: September 1, 2020Assignee: 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: 20200244581Abstract: 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: January 30, 2019Publication date: July 30, 2020Inventors: Sivanaga Ravi Kumar Chunduru Venkata, Michael J. Pepe, Gregg L. Veinpel, Viraj Parekh, Amit Kapoor
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Patent number: 10726254Abstract: 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: GrantFiled: March 16, 2018Date of Patent: July 28, 2020Assignee: Bank of America CorporationInventors: Michael J. Pepe, Jr., Kerry Kurt Simpkins, John Barrett Hall, Robert E. Mills, Jr., Murali Santhanam
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Publication number: 20200117892Abstract: 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: ApplicationFiled: October 11, 2018Publication date: April 16, 2020Inventors: 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: 20200117934Abstract: 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: October 11, 2018Publication date: April 16, 2020Inventors: 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: 20200117891Abstract: 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: ApplicationFiled: October 11, 2018Publication date: April 16, 2020Inventors: 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: 20200120099Abstract: 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: ApplicationFiled: October 11, 2018Publication date: April 16, 2020Inventors: 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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Publication number: 20190286900Abstract: 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: ApplicationFiled: March 16, 2018Publication date: September 19, 2019Inventors: Michael J. Pepe, JR., Kerry Kurt Simpkins, John Barrett Hall, Robert E. Mills, JR., Murali Santhanam