Lisa Marie Gibson

US Patent:

20130080270, Mar 28, 2013

Filed:

Sep 23, 2011

Appl. No.:

13/200433

Inventors:

James G. Ronca - Decatur GA, US
Mark D. Zanzot - Huntersville NC, US
Christopher R. Griggs - Fort Mill SC, US
Lisa Gibson - Newnan GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/20

US Classification:

705 16

Abstract:

According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises an account selection engine and a communication link. The account selection engine operable to receive information identifying at least one characteristic of a proposed transaction, identify a plurality of accounts associated with the customer, and select a first account from among the plurality of accounts based on the at least one characteristic. The communication link is operable to transmit identification of the first account to a point of sale interface of a transaction device, the point of sale interface operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising an account number associated with the first account.

US Patent:

20130080271, Mar 28, 2013

Filed:

Sep 23, 2011

Appl. No.:

13/200439

Inventors:

James G. Ronca - Decatur GA, US
Mark D. Zanzot - Huntersville NC, US
Christopher R. Griggs - Fort Mill SC, US
Lisa Gibson - Newnan GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/20

US Classification:

705 16

Abstract:

According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.

US Patent:

20130080272, Mar 28, 2013

Filed:

Sep 23, 2011

Appl. No.:

13/200482

Inventors:

James G. Ronca - Decatur GA, US
Mark D. Zanzot - Huntersville NC, US
Christopher R. Griggs - Fort Mills SC, US
Lisa Gibson - Newnan GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 30/06
G06Q 20/20

US Classification:

705 16

Abstract:

According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to receive, from the customer, a selection of a first account from among a plurality of accounts, wherein the selection of the first account is received from the customer when the customer is located at a facility associated with the merchant. The transaction module also obtains an account number associated with the first account, each account of the plurality of accounts being associated with an account number. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the account number associated with the first account.

US Patent:

20130080275, Mar 28, 2013

Filed:

Sep 23, 2011

Appl. No.:

13/200455

Inventors:

James G. Ronca - Decatur GA, US
Mark D. Zanzot - Huntersville NC, US
Christopher R. Griggs - Fort Mills SC, US
Lisa Gibson - Newnan GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/20

US Classification:

705 21

Abstract:

According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to identify a first account and obtain an obfuscated account number, the obfuscated account number being a temporary-use number associated with a permanent account number of the first account. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the obfuscated account number.

US Patent:

20140233835, Aug 21, 2014

Filed:

Feb 15, 2013

Appl. No.:

13/768758

Inventors:

- Charlotte NC, US
Deborah N. Bennett - Conyers GA, US
Timmy L. Gauvin - Peachtree City GA, US
Craig David Palmer - Mint Hill NC, US
Michael Gerald Smith - Fort Mill SC, US
Geoffrey Reed Williams - Midlothian TX, US
Lisa Gibson - Newnan GA, US
Melvin Gregory Nixon - Lake Wylie SC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06K 9/00

US Classification:

382137

Abstract:

Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database.

US Patent:

20140233837, Aug 21, 2014

Filed:

Feb 15, 2013

Appl. No.:

13/768764

Inventors:

- Charlotte NC, US
Deborah N. Bennett - Conyers GA, US
Timmy L. Gauvin - Peachtree City GA, US
Craig David Palmer - Mint Hill NC, US
Michael Gerald Smith - Fort Mill SC, US
Geoffrey Reed Williams - Midlothian TX, US
Lisa Gibson - Newnan GA, US
Melvin Gregory Nixon - Lake Wylie SC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06T 3/40
G06K 9/20

US Classification:

382138, 382137

Abstract:

Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database.