Patents by Inventor Stephen D. Poinier

Stephen D. Poinier 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).

  • Methods for producing state-agnostic waveforms upon magnetic reading of a universal counter deposit ticket
    Patent number: 9460588
    Abstract: A state-agnostic counter deposit ticket is provided. The counter deposit ticket may include MICR ink. The MICR ink may be printed on a top face of the ticket. The MICR ink may include a universal routing transit number, which may be independent of any state of origin indication in the MICR ink. Waveforms may be produced from the MICR ink may include a positive indication of state-agnosticity. The counter deposit ticket may include a plurality of boxes on the top face on the ticket. Each box may include the name of one of the fifty states of the United States of America. The counter deposit ticket may outline a portion of empty space. The portion may be at least two inches by two inches square on a bottom face of the ticket, and designated by the legend “do not write in this area”.
    Type: Grant
    Filed: November 30, 2015
    Date of Patent: October 4, 2016
    Assignee: Bank of America Corporation
    Inventors: Sean B. Kang, Stephen D. Poinier
  • Universal counter deposit ticket including MICR (magnetic ink character recognition) characters
    Patent number: D782572
    Type: Grant
    Filed: November 30, 2015
    Date of Patent: March 28, 2017
    Assignee: Bank of America Corporation
    Inventors: Sean B. Kang, Stephen D. Poinier