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    ENSURING BATCH INTEGRITY IN A PAYMENT INSTRUMENT EXCEPTIONS PROCESSING SYSTEM
    3.
    发明申请
    ENSURING BATCH INTEGRITY IN A PAYMENT INSTRUMENT EXCEPTIONS PROCESSING SYSTEM 审中-公开
    在付款仪器例外处理系统中确保批量完整性

    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。

    ELEMENT LEVEL CONFIDENCE SCORING OF ELEMENTS OF A PAYMENT INSTRUMENT FOR EXCEPTIONS PROCESSING
    4.
    发明申请
    ELEMENT LEVEL CONFIDENCE SCORING OF ELEMENTS OF A PAYMENT INSTRUMENT FOR EXCEPTIONS PROCESSING 审中-公开
    元素处理费用元件的元素级别信心评分

    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。

    Monitoring module usage in a data processing system
    5.
    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
    6.
    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。

    DATA LIFTING FOR EXCEPTION PROCESSING
    8.
    发明申请
    DATA LIFTING FOR EXCEPTION PROCESSING 有权

    公开(公告)号：US20160180168A1

    公开(公告)日：2016-06-23

    申请号：US15056421

    申请日：2016-02-29

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Michael Gerald Smith ,  Scott Andrew Johnson ,  Michael Scott Hjellming ,  Brian David Hanson ,  Saravana Kumar Govindarajan ,  Hyunmo Koo

    IPC: G06K9/00 ,  G06K9/18

    CPC classification number: G06K9/00469 ,  G06K9/00483 ,  G06K9/18

    Abstract: Embodiments of the invention include systems, methods, and computer-program products for lifting metadata from financial documents to allow for automated exception processing. As such, allowing for automated decisions for exception processing to systematically be resolved base on matches between lifted metadata. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stork, 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 metadata lifted from the document with the exception may be utilized to search financial records at the financial institution to attempt to identify the correct version of the document. Subsequently, the system may correct the irregularity systematically and automatically.

    Systems and methods for recreating an image using white space and check element capture
    9.
    发明授权
    Systems and methods for recreating an image using white space and check element capture 有权
    使用白色空间重新创建图像并检查元素捕获的系统和方法

    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。

    CHECK DATA LIFT FOR ACH TRANSACTIONS
    10.
    发明申请
    CHECK DATA LIFT FOR ACH TRANSACTIONS 审中-公开
    检查ACH交易的数据提示

    公开(公告)号：US20150120563A1

    公开(公告)日：2015-04-30

    申请号：US14065811

    申请日：2013-10-29

    Applicant: Bank of America Corporation

    Inventor： Michael Gerald Smith ,  Scott Andrew Johnson ,  Saravana Kumar Govindarajan ,  Michael Scott Hjellming ,  Brian David Hanson ,  Hyunmo Koo

    IPC: G06Q20/10 ,  G06Q20/04

    CPC classification number: G06Q20/10 ,  G06Q20/042

    Abstract: Embodiments for extracting data for ACH transactions includes systems that receive at least one check image, apply one or more optical character recognition processes to at least a portion of the at least one check image, and identify check data. The systems further insert at least a portion of the check data into an ACH transaction entry for ACH transaction processing.

    Abstract translation: 用于提取用于ACH事务的数据的实施例包括接收至少一个检查图像的系统，对至少一个检查图像的至少一部分应用一个或多个光学字符识别处理，以及识别检查数据。 系统进一步将至少一部分检查数据插入用于ACH事务处理的ACH事务条目中。

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