Patents by Inventor Sarah Catherine Christine

Sarah Catherine Christine 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: 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: 20190172022
    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: Application
    Filed: October 25, 2018
    Publication date: June 6, 2019
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: James Kevin Benton, Mark David Felse, Sarah Catherine Christine, John Barrett Hall, Michael J. Pepe, JR., Kerry Kurt Simpkins
  • Patent number: 10140597
    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: August 29, 2014
    Date of Patent: November 27, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: James Kevin Benton, Mark David Felse, Sarah Catherine Christine, John Barrett Hall, Michael J. Pepe, Kerry Kurt Simpkins
  • Publication number: 20160063454
    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: Application
    Filed: August 29, 2014
    Publication date: March 3, 2016
    Inventors: James Kevin Benton, Mark David Felse, Sarah Catherine Christine, John Barrett Hall, Michael J. Pepe, JR., Kerry Kurt Simpkins
  • Publication number: 20160063460
    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: Application
    Filed: August 29, 2014
    Publication date: March 3, 2016
    Inventors: James Kevin Benton, Mark David Felse, Sarah Catherine Christine, John Barrett Hall, Michael J. Pepe, JR., Kerry Kurt Simpkins, Mitchell Franklin