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    ELEMENT LEVEL PRESENTATION OF ELEMENTS OF A PAYMENT INSTRUMENT FOR EXCEPTIONS PROCESSING
    4.
    发明申请
    ELEMENT LEVEL PRESENTATION OF ELEMENTS OF A PAYMENT INSTRUMENT FOR EXCEPTIONS PROCESSING 审中-公开
    元素处理元素的元素水平表现

    公开(公告)号：US20160379190A1

    公开(公告)日：2016-12-29

    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: G06Q20/10 ,  G06F17/30 ,  G09G5/10 ,  G06K9/00 ,  G06T3/40

    CPC classification number: G06Q20/102 ,  G06F17/3028 ,  G06K9/00442 ,  G06K9/00449 ,  G06T3/40

    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.

    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呈现。 更具体地，本发明涉及从金融文档的图像中识别异常元素，基于其在财务文档的图像内的坐标来确定异常元素的位置，以及将例外元素的放大视图提供给 用户以及信息和资源，以便用户方便地对异常元素进行准确分析。 然后，系统从用户接收到正确的元素来替换异常元素，然后使用替换的正确元素而不是异常元素来处理财务文档。

    Automated debundling and categorization of purchases
    5.
    发明授权
    Automated debundling and categorization of purchases 有权

    公开(公告)号：US12125062B2

    公开(公告)日：2024-10-22

    申请号：US18073655

    申请日：2022-12-02

    Applicant: Bank of America Corporation

    Inventor： Eric Dryer ,  Pratap Dande ,  Kevin A. Delson ,  Gilbert Gatchalian ,  Lalit Dhawan ,  Linda Haddad ,  Morgan Allen

    IPC: G06Q30/02 ,  G06Q30/0251

    CPC classification number: G06Q30/0255 ,  G06Q30/0257

    Abstract: A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.

    Automatic teller machine with pre-registration
    6.
    发明授权
    Automatic teller machine with pre-registration 有权

    公开(公告)号：US11600151B2

    公开(公告)日：2023-03-07

    申请号：US17471297

    申请日：2021-09-10

    Applicant: Bank of America Corporation

    Inventor： Eric Dryer

    IPC: G07F19/00

    Abstract: An ATM pre-registration tool allows a user to request an amount of cash from an ATM before traveling to that ATM. The pre-registration tool receivers a user's request and determines whether a specified ATM contains the requested cash. If the ATM does not contain the requested cash, the pre-registration tool informs the user that the ATM does not contain sufficient funds to fulfill the user's request. If the ATM contains the requested cash, the pre-registration tool instructs the ATM to reserve that cash for the user.

    Monitoring module usage in a data processing system
    9.
    发明授权
    Monitoring module usage in a data processing system 有权

    公开(公告)号：US10115081B2

    公开(公告)日：2018-10-30

    申请号：US14750684

    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: G06Q20/00 ,  G06Q20/02 ,  H04L12/24

    Abstract: Embodiments of the invention monitor node usage in a transaction processing system. Embodiments include accessing a dynamic mapping of transaction flow in the transaction processing system, the dynamic mapping including a plurality of transaction pathways interconnected by transaction nodes, wherein the transaction nodes represent an automated processing step or action taken by a manual station of the transaction processing system on transactions files that are received at the transaction nodes; wherein the transaction processing system processes a transaction file at a first node and stores information corresponding to the first node and the type of processing that occurred at the first node with the transaction file; determining that the transaction file was processed at the first node; accessing the transaction file to determine the type of processing that occurred at the first node; and performing an action related to the type of processing that occurred at the first node.

    PREDICTIVE DETERMINATION AND RESOLUTION OF A VALUE OF INDICIA LOCATED IN A NEGOTIABLE INSTRUMENT ELECTRONIC IMAGE
    10.
    发明申请
    PREDICTIVE DETERMINATION AND RESOLUTION OF A VALUE OF INDICIA LOCATED IN A NEGOTIABLE INSTRUMENT ELECTRONIC IMAGE 审中-公开
    位于不可思议的仪器电子图像中的INDICICA值的预测性决定和分辨率

    公开(公告)号：US20160379185A1

    公开(公告)日：2016-12-29

    申请号：US14750393

    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 ,  G06F17/30 ,  G06K9/00

    CPC classification number: G06Q20/042 ,  G06F17/3028

    Abstract: Embodiments of the invention include systems, methods, and computer-program products for predictive determination and resolution of an exception located on a negotiable instrument. The exception may be an indicia that includes data related to the payor, payment accounts, or payee. An indicia may not be identified successfully and thus be queued for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative indicia points on a negotiable instrument that may result in a failure to match the check to an account for processing. Upon identifying an exception, the system retrieves historical transaction data associated with the resolved indicia. Subsequently, utilizing the resolved indicia, the system may determine a value for the exception identified based on the retrieved historical transaction data. Finally, the determined value may be stored with the negotiable instrument to complete the payment reconciliation process.

    Abstract translation: 本发明的实施例包括用于预测确定和解决位于可转让仪器上的异常的系统，方法和计算机程序产品。 例外情况可能是包含与付款人，付款账户或收款人有关的数据的标记。 标记可能未被成功识别，因此排队等候进行异常处理。 例外情况可能包括一个或多个违规行为，例如不良微线阅读，过期支票存货或可转让票据上的错误代码标记点，可能导致无法将支票与账户进行匹配处理。 在识别异常之后，系统检索与解决的标记相关联的历史交易数据。 随后，利用解决的标记，系统可以基于检索的历史交易数据确定所识别的异常的值。 最后，确定的价值可以与可转让票据一起存储以完成支付协调过程。

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