David Alan Minsk

US Patent:

8235282, Aug 7, 2012

Filed:

Feb 9, 2010

Appl. No.:

12/703011

Inventors:

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

235379, 235375, 235380, 705 35, 705 39, 705 43, 705 44, 705 45

Abstract:

Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.

US Patent:

8403209, Mar 26, 2013

Filed:

Jun 11, 2012

Appl. No.:

13/493389

Inventors:

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

235379, 235380, 235449, 705 38, 705 39

Abstract:

Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.

US Patent:

8444050, May 21, 2013

Filed:

Feb 9, 2010

Appl. No.:

12/702892

Inventors:

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US
Mark David McCue - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

235379, 235375, 235380

Abstract:

Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items. For example, some embodiments provide a method that includes: (a) receiving, from a deposit location during a single deposit transaction, information associated with a first deposit item in the single deposit transaction; (b) receiving, from the deposit location during the single deposit transaction, information associated with a second deposit item in the single deposit transaction; (c) determining, using a processor, during the single deposit transaction, a first hold decision for the first deposit item based at least partially on the information associated with the first deposit item; (d) determining, using a processor, during the single deposit transaction, a second hold decision for the second deposit item based at least partially on the information associated with the second deposit item; (e) communicating, to the deposit location during the single deposit transaction, information associated with the first hold decision; and (f) communicating, to the deposit location during the single deposit transaction, information associated with the second hold decision.

US Patent:

20100138343, Jun 3, 2010

Filed:

Feb 9, 2010

Appl. No.:

12/702985

Inventors:

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 43, 705 44

Abstract:

Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.

US Patent:

20120221469, Aug 30, 2012

Filed:

May 3, 2012

Appl. No.:

13/463517

Inventors:

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/02

US Classification:

705 44

Abstract:

Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.