Lisa K Gibson

US Patent:

8639062, Jan 28, 2014

Filed:

Oct 9, 2007

Appl. No.:

11/869123

Inventors:

Matthew A. Calman - Charlotte NC, US
Lisa Gibson - Newnan GA, US
Lowell R. Huff - Manchester MO, US
James G. Ronca - Decatur GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06K 9/00
G06K 9/46
G06K 9/54
G06K 9/60
G06K 9/66
G06F 21/00
G06F 17/30
G06F 12/00
G06F 13/00
G06F 13/28
H04L 9/32

US Classification:

382305, 382100, 382190, 707826, 705 50, 711100, 713176

Abstract:

Image integrity in an archive can be verified using document characteristics. Embodiments of the invention provide a way to verify the integrity of a stored document image by determining document characteristics, which can also be embedded in the image file. Before allowing access to the image file by an application, the characteristics data from an image analysis can be compared to either or both of, characteristics information otherwise stored, or embedded characteristics data. The embedded data can optionally be encrypted. In example embodiments the data can include a result of an optical character recognition of contents of the document, a length of data describing the image, a percentage of a specified color of pixels in the image, or a checksum. Example embedding techniques can include those making use of a tagged image file format (TIFF) header, a steganographic watermark, or an image artifact.

US Patent:

20130065556, Mar 14, 2013

Filed:

Sep 13, 2011

Appl. No.:

13/231119

Inventors:

David T. Frew - Fort Mill SC, US
Mark D. Zanzot - Huntersville NC, US
Tony England - Tega Cay SC, US
Lisa Gibson - Newnan GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

H04W 12/06

US Classification:

455411

Abstract:

In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and store a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and store a second user credential, the second user credential, wherein the second user credential comprises a peripheral device identifier. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

US Patent:

20130067551, Mar 14, 2013

Filed:

Sep 13, 2011

Appl. No.:

13/231208

Inventors:

David T. Frew - Fort Mill SC, US
Mark D. Zanzot - Huntersville NC, US
Tony England - Tega Cay SC, US
Lisa Gibson - Newnan GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

H04L 9/32
G06F 15/16
G06F 21/00

US Classification:

726 7

Abstract:

In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and a second user credential, the second user credential, wherein the second user credential comprises user input data captured by a sensor. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

US Patent:

20130073461, Mar 21, 2013

Filed:

Sep 19, 2011

Appl. No.:

13/235823

Inventors:

Mark D. Zanzot - Huntersville NC, US
Christopher R. Griggs - Fort Mill SC, US
David T. Frew - Fort Mill SC, US
Tony England - Tega Cay SC, US
Lisa Gibson - Newnan GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

In an exemplary embodiment, a method includes receiving a payment transaction comprising a customer account identifier and a merchant account identifier. A processor may determine whether the customer account identifier and merchant account identifier correspond to respective accounts associated with the enterprise. If the account identifiers each correspond to a respective account associated with the enterprise, the processing of the payment transaction is initiated at the enterprise and a notification that the enterprise initiates the processing of the payment transaction is sent. If the account identifiers do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed may be sent.

US Patent:

20130073462, Mar 21, 2013

Filed:

Sep 19, 2011

Appl. No.:

13/235992

Inventors:

Mark D. Zanzot - Huntersville NC, US
Christopher R. Griggs - Fort Mill SC, US
David T. Frew - Fort Mill SC, US
Tony England - Taga Cay SC, US
Lisa Gibson - Newnan GA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/00
G06Q 40/00

US Classification:

705 44

Abstract:

In an exemplary embodiment, a method includes receiving, from a mobile device, a payment transaction between a customer and a merchant. A customer account identifier and a merchant account identifier of the payment transaction may be determined. The method further includes communicating the customer account identifier to an enterprise to determine whether the customer account identifier corresponds to a customer account associated with the enterprise. If the customer account identifier and the merchant account identifier each correspond to a respective account associated with the enterprise, an indication that the enterprise initiates the processing of the payment transaction is received, and a notification that the payment transaction was processed is sent. If the customer account identifier and the merchant account identifier do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed is sent.

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.