公开(公告)号：US10373128B2

公开(公告)日：2019-08-06

申请号：US14750380

申请日：2015-06-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Michael Gerald Smith ,  James F. Barrett, II ,  Andrew Patrick Bastnagel ,  Joshua Allen Beaudry ,  Eric Dryer ,  Shawn Cart Gunsolley ,  Marshall Bright Thompson ,  Michael Matthew Wisser

IPC: G06Q20/04 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q10/06 ,  G06Q10/10 ,  G06K9/18 ,  G06Q20/10 ,  G06Q30/06 ,  G06Q40/04 ,  G06Q20/20

Abstract: Embodiments of the invention include systems, methods, and computer-program products for dynamic resource management for managing payment exception processing and maximize work flow. In this way, the system may lift data from financial documents received from sources to allow for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative checks that may result in a failure to match the check to an associated account for processing. As such, once an exception is identified during the processing the exception is directed to an appropriate resource for processing. The system monitors work flow nodes and resource experience to prevent bottlenecks or underutilization. Furthermore, the system employs awards and gamification models for exception processing.

公开(公告)号：US10049350B2

公开(公告)日：2018-08-14

申请号：US14750408

申请日：2015-06-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Michael Gerald Smith ,  Eric Dryer ,  Joshua Allen Beaudry ,  James F. Barrett, II ,  Shawn Cart Gunsolley ,  Michael Matthew Wisser ,  Andrew Patrick Bastnagel ,  Marshall Bright Thompson

IPC: G06K9/00 ,  G06Q20/10 ,  G06T3/40 ,  G06F17/30

Abstract: Disclosed are systems, methods, and computer program products that provide for element level presentation of elements of a payment instrument for exceptions processing. More specifically, the invention involves identifying an exception element from an image of a financial document, determining the location of the exception element based on its coordinates within the image of the financial document, and providing a zoomed-in view of the exception element to the user along with information and resources to allow a user to conveniently conduct accurate analysis of the exception element. The system then receives a correct element from the user to replace the exception element, and then processes the financial document using the replaced correct element instead of the exception element.

公开(公告)号：US20160379199A1

公开(公告)日：2016-12-29

申请号：US14750666

申请日：2015-06-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Michael Gerald Smith ,  Joshua Allen Beaudry ,  Eric Dryer ,  Marshall Bright Thompson ,  Shawn Cart Gunsolley ,  Michael Matthew Wisser ,  Andrew Patrick Bastnagel ,  James F. Barrett, II

IPC: G06Q20/22 ,  G06Q20/40

CPC classification number: G06Q20/29 ,  G06Q20/3676 ,  G06Q20/405

Abstract: Embodiments of the invention include systems, methods, and computer-program products for ensuring payment instrument batch integrity. Embodiments determine an expected balance associated with a batch of payment instruments; determine an amount associated with each of the payment instruments in the batch; sum the amounts, resulting in a total balance; compare the total balance with the expected balance; determine that the total balance is not equal to the expected balance; in response to determining that the total balance is not equal to the expected balance, identify payee information extracted from at least one of the payment instruments; and use the identified payee information to determine an outlier payment instrument.

Abstract translation: 本发明的实施例包括用于确保支付工具批量完整性的系统，方法和计算机程序产品。 实施例确定与一批支付工具相关联的预期余额; 确定与批次中的每个付款工具相关联的金额; 总计金额，导致总余额; 将总余额与预期余额进行比较; 确定总余额不等于预期余额; 响应于确定总余额不等于预期余额，确定从至少一个支付工具提取的收款人信息; 并使用所识别的收款人信息来确定离群付款工具。

公开(公告)号：US20160379186A1

公开(公告)日：2016-12-29

申请号：US14750419

申请日：2015-06-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Michael Gerald Smith ,  Eric Dryer ,  Joshua Allen Beaudry ,  James F. Barrett, II ,  Shawn Cart Gunsolley ,  Michael Matthew Wisser ,  Andrew Patrick Bastnagel ,  Marshall Bright Thompson

IPC: G06Q20/04 ,  G06K9/18

CPC classification number: G06Q20/0425 ,  G06K9/00442 ,  G06K9/2081

Abstract: Disclosed are systems, methods, and computer program products that provide for element level confidence scoring of elements of a payment instrument for exceptions processing. More specifically, the invention involves receiving a threshold confidence score, identifying elements within an image of a financial document, determining a confidence score for each element, wherein the confidence score is based on a likelihood that the identified element is the correct alphanumeric character from the image of the financial document, determining that a first element has a confidence score below the threshold confidence score, and providing the first element to a user for exception element processing. The system then receives a correct element from the user to replace the first element, and then processes the financial document using the replaced element instead of the first element.

Abstract translation: 公开了系统，方法和计算机程序产品，其提供用于异常处理的支付工具元素的元素级置信评分。 更具体地，本发明涉及接收阈值置信度分数，识别金融文档图像内的元素，确定每个元素的置信度分数，其中置信度分数基于所识别的元素是来自所述元素的正确字母数字字符的可能性 确定所述财务文档的图像，确定第一元素具有低于所述阈值置信度得分的置信度分数，以及将所述第一元素提供给用户进行异常元素处理。 然后，系统从用户接收到正确的元素来替换第一个元素，然后使用替换的元素而不是第一个元素处理财务文档。