Leslie M Larock

US Patent:

20140040141, Feb 6, 2014

Filed:

Aug 2, 2012

Appl. No.:

13/564971

Inventors:

Timmy L. Gauvin - Atlanta GA, US
Kerry M. Cantley - Fort Mill SC, US
James G. Ronca - Decatur GA, US
Leslie M. LaRock - Davidson NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/02

US Classification:

705 45

Abstract:

A computer-readable media storing computer-executable instructions for using a check deposit device to process a check is provided. The method derives meta-data from the check. The check deposit device may use an image receiver device to obtain a check image from the check. The method may use the processor to define a plurality of check segments within the check image. The processor device may obtain content from each of the plurality of check segments. The processor device may be store the content of each of the check segments in a machine readable memory and may utilize a transmitter to transmit the content from the plurality of check segments to a check-clearance engine. The check deposit device may receive from the check-clearance engine, in response to the transmission of the portion of the content from the plurality of check segments, an indication of the sufficiency of funds in an account.

US Patent:

20140037182, Feb 6, 2014

Filed:

Aug 6, 2012

Appl. No.:

13/567780

Inventors:

Geoffrey R. Williams - Midlothian TX, US
Timmy L. Gauvin - Atlanta GA, US
Eric S. Sandoz - Concord CA, US
Kerry M. Cantley - Fort Mill SC, US
Leslie M. LaRock - Davidson NC, US
James G. Ronca - Decatur GA, US
Deborah N. Bennett - Conyers GA, US
Joshua A. Beaudry - Brooklyn NY, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06K 9/78

US Classification:

382137

Abstract:

Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.

US Patent:

20190182369, Jun 13, 2019

Filed:

Dec 7, 2017

Appl. No.:

15/835138

Inventors:

- Charlotte NC, US
Kenneth R. Cox - Ooltewah TN, US
Haywood P. Enloe - Houston TX, US
Jasher David Fowles - Davidson NC, US
Georgeann Paschal Gregory - Charlotte NC, US
Christopher David Greth - Concord NC, US
Shawn Cart Gunsolley - Charlotte NC, US
Charles Christopher Harbinson - Charlotte NC, US
Leslie Marie LaRock - Davidson NC, US
Timothy Alan Mincey - Belmont NC, US
Jeanne Marie Moulton - Charlotte NC, US
Tami Marie Shepard - Battle Ground WA, US
Michael G. Smith - Brooks KY, US
Shashi R. Warrier - Marvin NC, US

International Classification:

H04L 29/08
G06Q 20/10
G06Q 20/38
H04L 12/721

Abstract:

An image item processing engine for image item exchange may receive an image item data packet including two image items, each including a digital image documenting an action for a recipient institution and associated metadata. The metadata may identify the image item sender and a country associated with an image item, the packet originator, or the recipient institution, at least one country associated with the second image item being different than a country associated with the first image item. The engine may apply sorting rules to determine item types for the first and second image items based on their metadata, determine a recipient institution for the packet based on the item types, assemble a data transfer packet including the digital images and metadata included in the first and second image items, and provide the data transfer packet to a transfer packet routing service for routing to the selected recipient institution.

US Patent:

20150066750, Mar 5, 2015

Filed:

Nov 10, 2014

Appl. No.:

14/536770

Inventors:

- Charlotte NC, US
Kenneth R. Cox - Mooresville NC, US
Erin K. Cassell - Charlotte NC, US
Joshua A. Beaudry - Jersey City NJ, US
Kerry M. Cantley - Fort Mill SC, US
Tami M. Shepard - Battle Ground WA, US
Haywood P. Enloe - Houston TX, US
Leslie M. LaRock - Davidson NC, US
Timmy L. Gauvin - Peachtree City GA, US

International Classification:

G06Q 20/38

US Classification:

705 39

Abstract:

Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application.

US Patent:

20140095379, Apr 3, 2014

Filed:

Sep 28, 2012

Appl. No.:

13/629734

Inventors:

- Charlotte NC, US
Kenneth R. Cox - Mooresville NC, US
Erin K. Cassell - Charlotte NC, US
Joshua A. Beaudry - Jersey City NJ, US
Kerry M. Cantley - Fort Mill SC, US
Tami M. Shepard - Battle Ground WA, US
Haywood P. Enloe - Houston TX, US
Leslie M. LaRock - Davidson NC, US
Timmy L. Gauvin - Peachtree City GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/22

US Classification:

705 39

Abstract:

Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application.