公开(公告)号：US09916586B2

公开(公告)日：2018-03-13

申请号：US14108491

申请日：2013-12-17

Applicant: Bank of America Corporation

Inventor： Shelaine M. Monkiewicz ,  Thomas A. Harp ,  James Pierce ,  Lisa Gibson ,  Rebecca S. Morgan

IPC: G06Q30/00 ,  G06Q40/02

CPC classification number: G06Q30/018 ,  G06Q40/02

Abstract: Apparatus and methods for client-side deposit packaging compliance are provided. Apparatus and methods may include deploying a uniform reporting format for clients, banks, armored couriers and vaults. The uniform reporting format may be a XML data feed. The XML data feed may provide for reporting of condition codes associated with a deposit. The condition codes may correspond to one or more attributes of a deposit packaged by a client. The condition codes may be submitted by the client. The condition codes may be verified when a deposit is processed by a vault. Illustrative condition codes may correspond to: armored courier ID, envelope status, counterfeit status. The XML data feed may utilize dynamic online, rule-based forms for clients, banks, armored couriers and vaults.

公开(公告)号：US09031308B2

公开(公告)日：2015-05-12

申请号：US13768758

申请日：2013-02-15

Applicant: Bank of America Corporation

Inventor： Eric Scott Sandoz ,  Deborah N. Bennett ,  Timmy L. Gauvin ,  Craig David Palmer ,  Michael Gerald Smith ,  Geoffrey Reed Williams ,  Lisa Gibson ,  Melvin Gregory Nixon

IPC: G06K9/00 ,  G06Q40/00

CPC classification number: G06K9/00442 ,  G06Q20/042 ,  H04N1/4177

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.

Abstract translation: 本发明的实施例涉及用于捕获和存储用于图像娱乐的可转让仪器的元件的系统，计算机实现的方法和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收可转让票据的图像，其中可转让票据的图像包括用于处理可转让票据的一个或多个元素和不可转让票据的非元件部分 用于加工可转让票据; （b）使用图像拍摄装置拍摄可转让乐器的一个或多个元件的图像; （c）将可转让票据的一个或多个元素的图像存储在数据库中; 和（d）作为空白存储数据库中可转让票据的图像的非元素部分。

公开(公告)号：US09082007B2

公开(公告)日：2015-07-14

申请号：US13769012

申请日：2013-02-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Michael Gerald Smith ,  Geoffrey Reed Williams ,  Lisa Gibson ,  Craig David Palmer ,  Eric Scott Sandoz ,  Melvin Gregory Nixon

IPC: G06K9/60 ,  G06K9/00 ,  G06K9/34 ,  G06K9/18 ,  G06Q20/04 ,  G06T11/00 ,  H04N1/00

CPC classification number: G06K9/00449 ,  G06Q20/0425 ,  G06T11/00 ,  H04N1/00

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using templates or generic control documents. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using document templates. As such, the invention may compile templates for image documents. Upon receiving a document from a transaction for storage, the system may store the metadata associated with that document, instead of storing the entire document as a high resolution image file. Using the template, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.

Abstract translation: 本发明的实施例包括用于使用模板或通用控制文档提供重新创建的图像文档的系统，方法和计算机程序产品。 以这种方式，实体可以存储来自原始文档的有限数量的图像数据，并且随后使用文档模板重新创建文档图像。 因此，本发明可以编译图像文档的模板。 在从交易中接收到用于存储的文档时，系统可以存储与该文档相关联的元数据，而不是将整个文档存储为高分辨率图像文件。 使用模板，结合元数据，系统可以将图像重新创建为系统生成的图像，以供用户回忆和对帐。

公开(公告)号：US20150170158A1

公开(公告)日：2015-06-18

申请号：US14108491

申请日：2013-12-17

Applicant: Bank of America Corporation

Inventor： Shelaine M. Monkiewicz ,  Thomas A. Harp ,  James Pierce ,  Lisa Gibson ,  Rebecca S. Morgan

IPC: G06Q30/00

CPC classification number: G06Q30/018 ,  G06Q40/02

Abstract: Apparatus and methods for client-side deposit packaging compliance are provided. Apparatus and methods may include deploying a uniform reporting format for clients, banks, armored couriers and vaults. The uniform reporting format may be a XML data feed. The XML data feed may provide for reporting of condition codes associated with a deposit. The condition codes may correspond to one or more attributes of a deposit packaged by a client. The condition codes may be submitted by the client. The condition codes may be verified when a deposit is processed by a vault. Illustrative condition codes may correspond to: armored courier ID, envelope status, counterfeit status. The XML data feed may utilize dynamic online, rule-based forms for clients, banks, armored couriers and vaults.

Abstract translation: 提供了客户端存储包装符合性的设备和方法。 装置和方法可以包括为客户，银行，装甲快递和保险库部署统一的报告格式。 统一报告格式可以是XML数据Feed。 XML数据Feed可以提供与存款相关联的条件代码的报告。 条件代码可以对应于由客户端打包的定金的一个或多个属性。 条件代码可能由客户端提交。 存款由保险库处理时可以验证条件代码。 说明性条件代码可以对应于：装甲快递ID，信封状态，假冒状态。 XML数据Feed可以为客户端，银行，装甲快递员和保管库使用动态的基于规则的表单。

公开(公告)号：US20140233831A1

公开(公告)日：2014-08-21

申请号：US13768407

申请日：2013-02-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Craig David Palmer ,  Eric Scott Sandoz ,  Michael Gerald Smith ,  Geoffrey Reed Williams ,  Lisa Gibson ,  Melvin Gregory Nixon

IPC: G06F17/30

CPC classification number: G06F17/30244 ,  G06F17/30011

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for determining a storage location for an image of a check. In some embodiments, a system is configured to: receive an image of a check, the image being associated with an account associated with a user; analyze check retrieval activity associated with the account; determine, based on the check retrieval activity, a storage location for the image; and store the image at the storage location.

Abstract translation: 本发明的实施例涉及用于确定支票图像的存储位置的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：接收检查的图像，所述图像与与用户相关联的帐户相关联; 分析与帐户相关的检查检索活动; 基于检查检索活动确定图像的存储位置; 并将图像存储在存储位置。

公开(公告)号：US20140279483A1

公开(公告)日：2014-09-18

申请号：US13804095

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Eileen D. Bridges ,  Lisa Gibson ,  James G. Ronca ,  Mark D. Zanzot ,  Susan Smith Thomas

IPC: G06Q20/16

CPC classification number: G06Q20/027 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/3276

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for making a payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia and payment information from a second apparatus, wherein the payment information comprises an amount of funds; identify an account associated with the readable indicia based on searching a database of records; process the payment information, wherein processing the payment information comprises transmitting to the identified account the determined amount of funds; transmit an acknowledgement of payment transfer to a third apparatus associated with the identified account.

Abstract translation: 本发明的实施例涉及用于通过传送网络进行支付的系统，方法和计算机程序产品。 在一些实施例中，第一装置被配置为：从第二装置接收可读标记和支付信息，其中所述支付信息包括一定数量的资金; 基于搜索记录数据库识别与可读标记相关联的帐户; 处理支付信息，其中处理支付信息包括向确定的账户传送所确定的资金数量; 将支付转移确认传送给与所识别的帐户相关联的第三设备。

公开(公告)号：US09025851B2

公开(公告)日：2015-05-05

申请号：US13768750

申请日：2013-02-15

Applicant: Bank of America Corporation

Inventor： Michael Gerald Smith ,  Geoffrey Reed Williams ,  Lisa Gibson ,  Craig David Palmer ,  Eric Scott Sandoz ,  Melvin Gregory Nixon

IPC: G06K9/00 ,  G06Q40/00

CPC classification number: G06K9/00442 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/3223 ,  G06Q20/3276 ,  H04N1/4177

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.

Abstract translation: 本发明的实施例包括用于使用图像提升数据提供重新创建的图像文档的系统，方法和计算机程序产品。 以这种方式，实体可以存储来自原始文档的有限数量的图像数据，并且随后使用图像提升数据重新创建文档图像。 因此，本发明可以接收用于存储的图像文档。 在从事务接收到文档以进行存储时，系统可以存储与该文档相关联的元数据，而不是将整个文档存储为高分辨率图像文件。 此外，系统可以确定作为图像文件捕获的文档的特定唯一元素（诸如签名等）。 这允许将唯一元素提升为图像数据。 使用提升的图像数据，结合元数据，系统可以将图像重新创建为系统生成的图像，以供用户回忆和调和。

公开(公告)号：US20140233834A1

公开(公告)日：2014-08-21

申请号：US13768750

申请日：2013-02-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Michael Gerald Smith ,  Geoffrey Reed Williams ,  Lisa Gibson ,  Craig David Palmer ,  Eric Scott Sandoz ,  Melvin Gregory Nixon

IPC: G06K9/00

CPC classification number: G06K9/00442 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/3223 ,  G06Q20/3276 ,  H04N1/4177

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.

Abstract translation: 本发明的实施例包括用于使用图像提升数据提供重新创建的图像文档的系统，方法和计算机程序产品。 以这种方式，实体可以存储来自原始文档的有限数量的图像数据，并且随后使用图像提升数据重新创建文档图像。 因此，本发明可以接收用于存储的图像文档。 在从交易中收到用于存储的文档时，系统可以存储与该文档相关联的元数据，而不是将整个文档存储为高分辨率图像文件。 此外，系统可以确定作为图像文件捕获的文档的特定唯一元素（诸如签名等）。 这允许将唯一元素提升为图像数据。 使用提升的图像数据，结合元数据，系统可以将图像重新创建为系统生成的图像，以供用户回忆和调和。

公开(公告)号：US09159102B2

公开(公告)日：2015-10-13

申请号：US14108545

申请日：2013-12-17

Applicant: Bank of America Corporation

Inventor： Shelaine M. Monkiewicz ,  Thomas A. Harp ,  James Pierce ,  Lisa Gibson ,  Rebecca S. Morgan

IPC: G06Q40/00 ,  G06Q30/00 ,  G06Q10/00 ,  G06F17/00 ,  G06Q40/02 ,  G06Q10/08

CPC classification number: G06Q40/02 ,  G06Q10/0832 ,  G06Q10/0833

Abstract: Apparatus and methods for client deposit tracking are provided. The deposit may be tracked from a time the deposit is retrieved from a client location until a value of the deposit is credited to a client. A deposit may be tracked by affixing a bar-code to a cartridge storing containing the deposit. The bar-code may be printed on the cartridge. The bar-code may be electronically transmitted to the cartridge. The bar-code may include deposit information. The deposit information may include deposit weights. The bar-code may be captured an armored courier. Information captured from the bar-code may be transmitted to a financial institution. The financial institution may derive performance metrics based on the information captured from the bar-code. Deposit status determination may be provided based on the information capture from the bar-code. Deposits status information may be transmitted to a client of the financial institution.

Abstract translation: 提供客户存款跟踪的设备和方法。 存款可以从客户位置检索存款的时间跟踪，直到存款的价值记入客户。 可以通过将条形码附加到包含存款的存储盒中来追踪存款。 条形码可能会打印在墨盒上。 条形码可以电子地传送到盒。 条形码可能包括存款信息。 存款信息可能包括存款重量。 条形码可能被捕获到装甲快递。 从条形码获取的信息可以传送到金融机构。 金融机构可以根据从条形码获取的信息导出绩效指标。 可以基于从条形码获取的信息来提供存款状态确定。 存款状态信息可以传送给金融机构的客户。

公开(公告)号：US09098765B2

公开(公告)日：2015-08-04

申请号：US13768764

申请日：2013-02-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Eric Scott Sandoz ,  Deborah N. Bennett ,  Timmy L. Gauvin ,  Craig David Palmer ,  Michael Gerald Smith ,  Geoffrey Reed Williams ,  Lisa Gibson ,  Melvin Gregory Nixon

IPC: G06K9/00 ,  G06K9/20 ,  G06T3/40 ,  G06F17/30

CPC classification number: G06K9/2054 ,  G06F17/30265 ,  G06F17/3028 ,  G06T3/40

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.

Abstract translation: 本发明的实施例涉及用于捕获可转让仪器的元件的系统，计算机实现的方法和计算机程序产品，并且生成用于图像娱乐的可转让仪器的缩略图。 在一些实施例中，提供了一种方法，其包括：（a）接收可转让票据的图像，其中可转让票据的图像包括用于处理可转让票据的一个或多个元素; （b）使用所述图像拍摄装置拍摄所述可转让乐器的一个或多个元件的图像; （c）至少部分地基于可转让票据的图像生成可转让票据的缩略图; 和（d）将可转让票据的一个或多个元素的图像和可转让票据的缩略图图像存储在数据库中。