Michelle M Nichols

US Patent:

7635085, Dec 22, 2009

Filed:

Dec 21, 2006

Appl. No.:

11/614656

Inventors:

Brian Duane Brown - Matthews NC, US
Anthony B. Calderone - Matthews NC, US
Henry W. Debnam - Waxhaw NC, US
Shane Anthony Johnson - Charlotte NC, US
Bethann Johnston - Atlanta GA, US
Michelle Davis Nichols - Rock Hill SC, US
John Daniel Shaver - Charlotte NC, US
John N. Venzon - Davidson NC, US
John Scott Walbert - Mooresville NC, US
Margaret Morgan Weichert - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00
G07D 11/00
G07F 19/00

US Classification:

235379, 705 42, 705 43, 705 44, 705 45

Abstract:

Aspects of the invention provide for an end-to-end currency handling, and servicing apparatus. The apparatus may be used in any cash-centric business or enterprise for cash register till set up and balancing, back office reconciliation, and other cash payment handling activities. Further aspects of the invention provide real-time access to cash receipts for enterprise use in making financial and planning decisions.

US Patent:

7965184, Jun 21, 2011

Filed:

Oct 31, 2008

Appl. No.:

12/262502

Inventors:

Michelle Nichols - Rock Hill SC, US
Todd Atwood - Charlotte NC, US
James Heddleson - Charlotte NC, US
Felix Mon - Jacksonville FL, US
Mark Waggoner - Keller TX, US
Wallace Webster - Lynnwood WA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G08B 13/14

US Classification:

3405687, 3405721

Abstract:

Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.

US Patent:

7982604, Jul 19, 2011

Filed:

Oct 31, 2008

Appl. No.:

12/262532

Inventors:

Michelle Nichols - Rock Hill SC, US
Todd Atwood - Charlotte NC, US
James Heddleson - Charlotte NC, US
Karen Garnett - St. Louis MO, US
Elizabeth S. Votaw - Potomac MD, US
Felix Mon - Jacksonville FL, US

Assignee:

Bank of America - Charlotte NC

International Classification:

G08B 13/00

US Classification:

340541, 3405681, 3405687, 340571, 3405721

Abstract:

A monetary package capable of detecting and communicating tampering is described. The monetary package may comprise a container having a volume configured to hold monetary items such as currency, checks, and negotiable instruments, a sensor configured to detect an opening of the container, a device coupled to the sensor and configured to store data responsive to the sensor detecting the opening of the container, and a transmitter configured to wirelessly send the stored data.

US Patent:

7982610, Jul 19, 2011

Filed:

Oct 31, 2008

Appl. No.:

12/262472

Inventors:

Michelle Nichols - Rock Hill SC, US
Todd Atwood - Charlotte NC, US
James Heddleson - Charlotte NC, US
Mark Waggoner - Keller TX, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G08B 13/14

US Classification:

3405721, 3405724

Abstract:

As deposit bags containing monetary packages arrive at a cash handling facility contents of the deposit bags are inspected and assigned to a teller for processing. An automatic identification system may detect the presence of the deposit bag, the monetary packages, and/or the personnel handling the cash at various custody points at the cash handling facility. Such information may be used to determine the priority at which the monetary package may be processed. Further, a plurality of tellers may be assigned to process the monetary package in the cash handling facility. Each teller's workflow may be tracked based on the presence of monetary packages that are already being processed at the teller's station. Therefore, the monetary packages may be prioritized and may be assigned to a teller that is capable of handling the processing of the monetary package.

US Patent:

8078534, Dec 13, 2011

Filed:

Oct 31, 2008

Appl. No.:

12/262448

Inventors:

Michelle Nichols - Rock Hill SC, US
Todd Atwood - Charlotte NC, US
James Heddleson - Charlotte NC, US
Steve Cargle - Denver NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00
G07K 7/04
G08B 5/00
G09B 9/00

US Classification:

705 39, 235379, 194207, 340825, 340 49, 348143

Abstract:

The movement of physical cash and/or other monetary items along the cash supply chain requires security. Some security includes the continuous recordation of video or other images to provide a visual history of the activities that occurred at a particular location along the cash supply chain. By automatically identifying an item at various points along the cash supply chain and associating it with a particular timestamp, the relevant portions of the video surveillance may be quickly and efficiently identified when a suspicious event occurs.

US Patent:

8094021, Jan 10, 2012

Filed:

Oct 31, 2008

Appl. No.:

12/262522

Inventors:

Michelle Nichols - Rock Hill SC, US
Todd Atwood - Charlotte NC, US
James Heddleson - Charlotte NC, US
Felix Mon - Jacksonville FL, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G08B 13/14

US Classification:

3405687, 34053913, 34053923, 3405681, 3405724, 235379, 235385

Abstract:

An armored carrier or other transport entity may scan a remotely-readable identification tag, such as a radio-frequency identification (RFID) tag, of each monetary package being picked up and/or delivered. The scanner used by the armored carrier may notify the armored carrier if one of the monetary packages goes out of range without being checked out, such as within a period of time. Also, if that monetary package is not returned within range within a particular period of time, the scanner may automatically notify a centralized system. The scanner may further be aware of scheduled monetary packages to be picked up. If not all of the monetary packages as expected are picked up, then the scanner may also notify the armored carrier.

US Patent:

8164451, Apr 24, 2012

Filed:

May 12, 2011

Appl. No.:

13/106086

Inventors:

Michelle Nichols - Rock Hill SC, US
Todd Atwood - Charlotte NC, US
James Heddleson - Charlotte NC, US
Felix Mon - Jacksonville FL, US
Mark Waggoner - Keller TX, US
Wallace Webster - Lynnwood WA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G08B 13/14

US Classification:

3405687, 3405721

Abstract:

Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.

US Patent:

8341077, Dec 25, 2012

Filed:

Oct 31, 2008

Appl. No.:

12/263115

Inventors:

Michelle Nichols - Rock Hill SC, US
Todd Atwood - Charlotte NC, US
James Heddleson - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35

Abstract:

A method for predicting client funds positions includes predicting an expected future change in funds for a selected party, and creating a funds estimate for the selected party at a specified time. The predicted future change in funds is based on a transaction history of the selected party, and the calculation is based on the expected future change in funds. The change in funds can be a deposit or withdrawal. Such deposits or withdrawals can be in the form of monetary packages, which enables incorporation of monetary package tracking features into the method.