Patents by Inventor Sarah T. Billings

Sarah T. Billings 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).

  • Publication number: 20160086177
    Abstract: Methods and systems for providing smart gross management of repairs and exceptions for payment processing are presented. In some embodiments, a computing device may receive data regarding a plurality of payment transactions involving a client account of a financial institution. Subsequently, the computing device may identify one or more rejected and/or otherwise defective transactions in the plurality of transactions. After identifying such rejected transactions, the computing device may create an account entry for an amount corresponding to the plurality of transactions. Notably, such an account entry may be created, and a corresponding debit or credit may be made, prior to initiating repairs for the rejected transactions. After creating the account entry, the computing device may initiate repairs for the rejected transactions. The computing device also may send a notification indicating that the amount corresponding to the plurality of transactions has been debited or credited to the client account.
    Type: Application
    Filed: September 18, 2015
    Publication date: March 24, 2016
    Inventors: Sarah T. Billings, Doug J. Carlson, Laura P. Misenheimer, Chaitesh Shah
  • Patent number: 8577794
    Abstract: A system and method for collecting information to facilitate enrollment in an electronic funds transfer program includes a system operator that solicits prospective participants in the electronic funds transfer program and directs those prospective participants to an enrollment process that is accessible via the Internet. The prospective participants input profile information, which is preferably authenticated, and thereby enrolls in the electronic funds transfer program. Subsequent to enrollment automatic electronic funds transfers between an enrollee and another party are initiated on a periodic basis in accordance with the profile information. The system operator maintains a database that stores and operates on the profile information.
    Type: Grant
    Filed: October 24, 2001
    Date of Patent: November 5, 2013
    Assignee: Bank of America Corporation
    Inventors: Sarah T. Billings, Laura J. Listwan, Brad A. Lower, Cynthia E. Murray
  • Publication number: 20020087344
    Abstract: A system and method for collecting information to facilitate enrollment in an electronic funds transfer program includes a system operator that solicits prospective participants in the electronic funds transfer program and directs those prospective participants to an enrollment process that is accessible via the Internet. The prospective participants input profile information, which is preferably authenticated, and thereby enrolls in the electronic funds transfer program. Subsequent to enrollment automatic electronic funds transfers between an enrollee and another party are initiated on a periodic basis in accordance with the profile information. The system operator maintains a database that stores and operates on the profile information.
    Type: Application
    Filed: October 24, 2001
    Publication date: July 4, 2002
    Inventors: Sarah T. Billings, Laura J. Listwan, Brad A. Lower, Cynthia E. Murray