Patents by Inventor TERA L HOWE
TERA L HOWE 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: 10360641Abstract: A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference. A report may be communicated to the payee, the report including a record of the plurality of financial transactions as a set of documents corresponding to the payee preference. In some cases, the report may include at least a portion of the remittance information associated with the plurality of financial transactions deposited into an account associated with the payee.Type: GrantFiled: May 17, 2018Date of Patent: July 23, 2019Assignee: Bank of America CorporationInventors: Janet M. Mauller, Tera L. Howe, Amy Lamb, James Dillon, Gerald Whitney Wilson, III
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Publication number: 20180276763Abstract: A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference. A report may be communicated to the payee, the report including a record of the plurality of financial transactions as a set of documents corresponding to the payee preference. In some cases, the report may include at least a portion of the remittance information associated with the plurality of financial transactions deposited into an account associated with the payee.Type: ApplicationFiled: May 17, 2018Publication date: September 27, 2018Inventors: Janet M. Mauller, Tera L. Howe, Amy Lamb, James Dillon, Gerald Whitney Wilson, III
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Patent number: 9984423Abstract: A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference. A report may be communicated to the payee, the report including a record of the plurality of financial transactions as a set of documents corresponding to the payee preference. In some cases, the report may include at least a portion of the remittance information associated with the plurality of financial transactions deposited into an account associated with the payee.Type: GrantFiled: August 13, 2014Date of Patent: May 29, 2018Assignee: Bank of America CorporationInventors: Janet M. Mauller, Tera L. Howe, Amy Lamb, James Dillon, Gerald Whitney Wilson, III
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Publication number: 20160048927Abstract: A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference. A report may be communicated to the payee, the report including a record of the plurality of financial transactions as a set of documents corresponding to the payee preference. In some cases, the report may include at least a portion of the remittance information associated with the plurality of financial transactions deposited into an account associated with the payee.Type: ApplicationFiled: August 13, 2014Publication date: February 18, 2016Inventors: Janet M. Mauller, Tera L. Howe, Amy Lamb, James Dillon, Gerald Whitney Wilson, III
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Publication number: 20160048813Abstract: A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference. A report may be communicated to the payee, the report including a record of the plurality of financial transactions as a set of documents corresponding to the payee preference. In some cases, the report may include at least a portion of the remittance information associated with the plurality of financial transactions deposited into an account associated with the payee.Type: ApplicationFiled: August 13, 2014Publication date: February 18, 2016Inventors: Janet M. Mauller, Tera L. Howe, Amy Lamb, James Dillon, Gerald Whitney Wilson, III
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Patent number: 8867783Abstract: Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first location. The mail may be scanned at the first location and information may be extracted from the envelopes and items within the envelopes. The information may be verified and grouped into electronic transactions. The electronic transactions may be classified and sorted into batches based on identifiers contained within the information extracted from the mail. The batches of electronic transactions may be processed and information relating to the transactions may be stored.Type: GrantFiled: April 20, 2012Date of Patent: October 21, 2014Assignee: Bank of America CorporationInventors: William H. Neinast, Tera L. Howe, Gordon F. Miller, Jr., Judith A. Waldal, Louis A. Hawkins, Gerald Whitney Wilson, III, Clement Mazgelis
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Patent number: 8682788Abstract: Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first location. The mail may be scanned at the first location and information may be extracted from the envelopes and items within the envelopes. The information may be verified and grouped into electronic transactions. The electronic transactions may be classified and sorted into batches based on identifiers contained within the information extracted from the mail. The batches of electronic transactions may be processed and information relating to the transactions may be stored.Type: GrantFiled: April 20, 2012Date of Patent: March 25, 2014Assignee: Bank of America CorporationInventors: William H Neinast, Tera L Howe, Gordon F Miller, Jr., Judith A Waldal, Louis A Hawkins, Gerald Whitney Wilson, III, Clement Mazgelis
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Publication number: 20130185200Abstract: Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first location. The mail may be scanned at the first location and information may be extracted from the envelopes and items within the envelopes. The information may be verified and grouped into electronic transactions. The electronic transactions may be classified and sorted into batches based on identifiers contained within the information extracted from the mail. The batches of electronic transactions may be processed and information relating to the transactions may be stored.Type: ApplicationFiled: April 20, 2012Publication date: July 18, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: WILLIAM H. NEINAST, TERA L. HOWE, GORDON F. MILLER, JR., JUDITH A. WALDAL, LOUIS A. HAWKINS, GERALD WHITNEY WILSON, III, CLEMENT MAZGELIS
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Publication number: 20130182887Abstract: Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first location. The mail may be scanned at the first location and information may be extracted from the envelopes and items within the envelopes. The information may be verified and grouped into electronic transactions. The electronic transactions may be classified and sorted into batches based on identifiers contained within the information extracted from the mail. The batches of electronic transactions may be processed and information relating to the transactions may be stored.Type: ApplicationFiled: April 20, 2012Publication date: July 18, 2013Applicant: BANK OF AMERICA CORPORATIONInventors: WILLIAM H. NEINAST, TERA L HOWE, GORDON F. MILLER, JR., JUDITH A. WALDAL, LOUIS A. HAWKINS, GERALD WHITNEY WILSON, III, CLEMENT MAZGELIS