Clarence Edward Lee

US Patent:

8165933, Apr 24, 2012

Filed:

May 23, 2008

Appl. No.:

12/126707

Inventors:

Eric Dryer - Charlotte NC, US
George Miller Abernethy - Charlotte NC, US
Ronald Hollander - Walnut Creek CA, US
Lowell Robert Huff - Manchester MO, US
Sean Kang - McKinney TX, US
Clarence E. Lee - Mansfield TX, US
Eric Scott Sandoz - Concord CA, US
Jeffrey Robert Woodside - Huntersville NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G07B 17/00
G07F 19/00

US Classification:

705 30

Abstract:

The present invention provides systems, methods, and computer program products for performing validation and clearance at a transaction item level for transaction received in a batch format. Each transaction of the batch is stored separately in a storage system, such as a logical database. Typically, image data and electronic data for a transaction are stored separately in the storage system and may be linked to each other. Each transaction is separately accessible and/or updateable. Each transaction stored in the storage system is separately analyzed to validate that the transaction is at least balanced. Transactions that determined to be balanced are cleared irrespective of a balance status associated with other transactions associated with the batch of transactions, such that transactions are individually cleared as opposed to being cleared in a batch format.

US Patent:

20080101680, May 1, 2008

Filed:

Oct 26, 2006

Appl. No.:

11/553269

Inventors:

George Miller Abernethy - Charlotte NC, US
Matthew A. Calman - Charlotte NC, US
Kathryn B. Carmody - St. Louis MO, US
Gregory Tyrone Domally - Beltsville MD, US
Lowell R. Huff - Manchester MO, US
Clarence E. Lee - Arlington TX, US
Joseph P. Shuster - Charlotte NC, US
Carol W. Wiles - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06K 9/00

US Classification:

382139

Abstract:

A method and system for enhanced check image privacy are disclosed. Embodiments of the present invention provide a way to automatically link the results from quality assurance software to a check image archive to appropriately mark images as unretrievable by customers. Images are interrogated with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches associated, stored magnetic ink character recognition (MICR) data is below a pre-set threshold. The image can be then automatically designated in the financial document archive. The image can be displayed to an operator for analysis when the confidence score is above the pre-set threshold and below a pre-set limit, or in cases where the confidence score cannot be determined by the data matching algorithm.

US Patent:

20200143335, May 7, 2020

Filed:

Jan 3, 2020

Appl. No.:

16/733626

Inventors:

- Charlotte NC, US
Clarence Edward Lee - Mansfield TX, US
Michael Greig Stoll - Crestwood MO, US
Verlon Safold Watson - Charlotte NC, US
Melanie Woodworth - Newport Beach CA, US
Mary Jo Stuart - Comelius NC, US
Ronald E. Meharg - Alpharetta GA, US

International Classification:

G06Q 20/04
G06Q 20/38

Abstract:

In some embodiments, one or more processors receive a financial instrument via an interface. The financial instrument indicates attributes of a financial transaction. The processors determine, based on one or more of the attributes, whether the financial transaction involves a cross border exchange. If the financial transaction involves a cross border exchange, the processors flag the financial instrument accordingly, perform a currency conversion, and communicate an electronic image associated with the financial instrument to computing resources configured to complete the financial transaction electronically without having to transport a paper copy of the financial instrument between financial institutions.