Tommi A Levi

8235282, Aug 7, 2012

Feb 9, 2010

12/703011

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US

Bank of America Corporation - Charlotte NC

G06Q 40/00

235379, 235375, 235380, 705 35, 705 39, 705 43, 705 44, 705 45

Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.

8381975, Feb 26, 2013

May 3, 2012

13/463517

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marivn NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US

Bank of America Corporation - Charlotte NC

G06K 5/00

235380, 235375, 235379, 705 44, 705 65

Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.

8403209, Mar 26, 2013

Jun 11, 2012

13/493389

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US

Bank of America Corporation - Charlotte NC

G06Q 40/00

235379, 235380, 235449, 705 38, 705 39

Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.

8444050, May 21, 2013

Feb 9, 2010

12/702892

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US
Mark David McCue - Charlotte NC, US

Bank of America Corporation - Charlotte NC

G06Q 40/00

235379, 235375, 235380

Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items. For example, some embodiments provide a method that includes: (a) receiving, from a deposit location during a single deposit transaction, information associated with a first deposit item in the single deposit transaction; (b) receiving, from the deposit location during the single deposit transaction, information associated with a second deposit item in the single deposit transaction; (c) determining, using a processor, during the single deposit transaction, a first hold decision for the first deposit item based at least partially on the information associated with the first deposit item; (d) determining, using a processor, during the single deposit transaction, a second hold decision for the second deposit item based at least partially on the information associated with the second deposit item; (e) communicating, to the deposit location during the single deposit transaction, information associated with the first hold decision; and (f) communicating, to the deposit location during the single deposit transaction, information associated with the second hold decision.

20100138343, Jun 3, 2010

Feb 9, 2010

12/702985

Ricardo Davila - Waxhaw NC, US
Tommi Levi - Charlotte NC, US
David Wayne Barnhardt - Huntersville NC, US
David Alan Minsk - Marvin NC, US
Roxanne White - Fort Mill SC, US
Roberto Jose Dominguez - Thomasville NC, US

BANK OF AMERICA CORPORATION - Charlotte NC

G06Q 40/00

705 43, 705 44

Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.

20160358140, Dec 8, 2016

Jun 5, 2015

14/731560

- Charlotte NC, US
Paul Cooley - San Diego CA, US
Roberto J. Dominguez - High Point NC, US
Tommi Levi - Charlotte NC, US

G06Q 20/10
G07F 19/00

Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. The ATM may capture check image data from the face of the check and the ATM may transmit the data to a check cashing computing platform. The check cashing computing platform may determine whether the account on which the check is drawn is an account of a first financial institution associated with the ATM, or the account is an account of a second financial institution. A first or second set of rules may be applied to the check based on this determination, to determine an overall check cashing risk score. A determination is then made, based on the overall check cashing risk score, as to whether the check may be cashed or the request to cash the check may be denied.

20160358141, Dec 8, 2016

Jun 5, 2015

14/731585

- Charlotte NC, US
Paul Cooley - San Diego CA, US
Roberto J. Dominguez - High Point NC, US
Tommi Levi - Charlotte NC, US

G06Q 20/10
G06Q 20/40
G06Q 20/04

Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. A user may request to cash a check at an ATM and check image data may be transmitted to a return deposit item computing platform. The computing platform may identify an account number of the account on which the check is drawn. Transaction data associated with the account may be retrieved by the computing platform and a number of occurrences of returned deposit items may be identified. The number of occurrences may be used to determine whether the check should be cashed.