公开(公告)号：CA2710951A1

公开(公告)日：2009-07-09

申请号：CA2710951

申请日：2008-12-19

Applicant: BANK OF AMERICA

Inventor： PIGG CHARLES ,  RORRER JARED ,  BARNHARDT DAVID ,  HERNANDEZ JANICE ,  BINNS DONALD

IPC: G07F19/00

Abstract: Various aspects are directed to systems and processes for providing instant funds availability notification and/or real-time fraud detection in connection with a check image deposit, such as a check deposit at an image automated teller machine (ATM). The customer may, for instance, receive the notification on an ATM display and/or on a paper receipt printed by the ATM.

公开(公告)号：AU2008345671A1

公开(公告)日：2009-07-09

申请号：AU2008345671

申请日：2008-12-19

Applicant: BANK OF AMERICA

Inventor： BINNS DONALD ,  HERNANDEZ JANICE ,  BARNHARDT DAVID ,  PIGG CHARLES ,  RORRER JARED

IPC: G07F19/00

公开(公告)号：MX2009004430A

公开(公告)日：2009-06-26

申请号：MX2009004430

申请日：2007-10-25

Applicant: BANK OF AMERICA

Inventor： CALMAN MATTHEW A ,  ABERNETHY GEORGE MILLER ,  CARMODY KATHRYN B ,  DOMALLY GREGORY TYRONE ,  HUFF LOWELL R ,  LEE CLARENCE E II ,  SHUSTER JOSEPH P ,  WILES CAROL W

IPC: G06K9/00

Abstract: Se describen un método y sistema para la privacidad mejorada de imágenes de cheques. Las modalidades de la presente invención proporcionan una forma de ligar automáticamente los resultados de un software para aseguramiento de la calidad a un archivo de imágenes de cheques para marcar apropiadamente imágenes que no se puedan recuperar por los clientes. Las imágenes se interrogan con un algoritmo de coincidencia, de datos para determinar si un registro de confianza que expresa una probabilidad de que la imagen coincida con datos de reconocimiento de caracteres de tinta magnética (MICF) almacenados, asociados, está debajo de un umbral prefijado. La imagen luego se puede designar automáticamente en el archivo de documentos financieros. La imagen se puede desplegar para un operador para el análisis cuando el registro de confianza está arriba del umbral prefijado y debajo de un límite prefijado, o en casos en donde el registro de confianza no se pueda determinar pór el algoritmo de coincidencia de datos.

公开(公告)号：AU2008318451A1

公开(公告)日：2009-05-07

申请号：AU2008318451

申请日：2008-10-31

Applicant: BANK OF AMERICA

Inventor： JOHNSON SHANE ANTHONY ,  JOHNSTON BETHANN ,  WALBERT JOHN SCOTT ,  GRANT KARREN D ,  SHAVER JOHN DANIEL ,  BOHEN DANIEL CHRISTOPHER ,  SANDERS WILLIAM THOMAS ,  WEICHERT MARGARET MORGAN ,  DRAVNEEK VICTORIA LYNN

IPC: G06Q20/00

公开(公告)号：CA2694433A1

公开(公告)日：2009-01-29

申请号：CA2694433

申请日：2008-07-25

Applicant: BANK OF AMERICA

Inventor： PECKHOLDT KEITH ,  VENEZIANO THOMAS ,  WINTER STEVEN

IPC: G06Q40/00

Abstract: Lender anonymity securities lending where trade criteria associated with a security owned by a client are determined. Bids for the security are monitored by a first entity. A trade related to the security is executed by accepting a best bid from the monitored bids based on the trade criteria. An identical trade related to the security is automatically executed with a second entity. A second identical trade as the trade related to the security is automatically executed with inter-dealer brokers without any knowledge of the first entity. The first entity may be a banking division of a financial institution and the second entity may be a broker/dealer division of a financial institution. Complete anonymity is provided to the client from the inter-dealer brokers since the trade executed automatically with the second entity is put into a separate trading book maintaining a firewall between the client and the inter-dealer brokers.

公开(公告)号：GB0821947D0

公开(公告)日：2009-01-07

申请号：GB0821947

申请日：2008-12-01

Applicant: BANK OF AMERICA

Abstract: Communication data for an organization, such as call, email, and instant messaging activity data from different data sources is collected and analyzed together using a correlation and behavior analysis tool. A set of communication activity records and/or specific contact data information may be provided by the organization's data sources or by an external law enforcement entity. The organization data may be analyzed according to rules and policies of data analysis and correlation using the multiple data sources to identify and report related communication activity or contact data to the internal personnel or external law enforcement for continued investigation in tracking fraud rings and other illegal activities.

公开(公告)号：CA2687748A1

公开(公告)日：2008-12-18

申请号：CA2687748

申请日：2008-06-06

Applicant: BANK OF AMERICA

Inventor： CALMAN MATTHEW ALEXANDER

IPC: G06F21/24 ,  G06T1/00 ,  H04N1/32

Abstract: A method and system for securing and tracing confidential data is describ ed. A request to generate a hardcopy printout is received by a computing dev ice. Document output instructions for the request then are generated and dat a to associate with the document output instructions is determined. Then the determined data is encoded with the generated document output instructions. The encoded data includes information specific to a terminal device associa ted with the request and an identifier representative of a starting position for reading the encoded data. One ore more software modules within a termin al device, an intermediate server, and/or a printer may perform the operatio n of encoding the data. A hardcopy printout includes the content requested t o be printed in addition to the encoded data. The encoded data may appear as representations of noise on one or more pages of the hardcopy printout.

公开(公告)号：CA2677165A1

公开(公告)日：2008-08-07

申请号：CA2677165

申请日：2008-01-29

Applicant: BANK OF AMERICA

Inventor： FELDMAN JOHN G

IPC: H04N1/44 ,  B41J2/01 ,  B41M3/14 ,  G06V30/224

Abstract: Systems and processes for processing financial instruments include receiv ing a physical financial instrument (300), printing (510) data on the receiv ed physical financial instrument, and capturing (520) an image of the physic al financial instrument to produce an electronic image. At least a portion o f the data printed on the physical financial instrument is printed in a mann er that substantially precludes reproduction in the electronic image. The el ectronic image is transmitted (530) across a network, for example, to perfor m electronic processing, such as posting or clearing.

公开(公告)号：AU2008210581A1

公开(公告)日：2008-08-07

申请号：AU2008210581

申请日：2008-01-29

Applicant: BANK OF AMERICA

Inventor： FELDMAN JOHN G

IPC: G06V30/224

Abstract: Systems and processes for processing financial instruments include receiving a physical financial instrument, printing data on the received physical financial instrument, and capturing an image of the physical financial instrument to produce an electronic image. At least a portion of the data printed on the physical financial instrument is printed in a manner that substantially precludes reproduction in the electronic image. The electronic image is transmitted across a network, for example, to perform electronic processing, such as posting or clearing.

公开(公告)号：CA2663810A1

公开(公告)日：2008-03-27

申请号：CA2663810

申请日：2007-09-18

Applicant: BANK OF AMERICA

Inventor： MCKINLEY DOUGLAS P ,  MULLIGAN MARTIN ,  VYE GERALD M ,  AXTELL BETHANY M ,  OVERHOLSER LESLIE M ,  SHAW L EDWARD ,  WALTER BRIAN K ,  MORRIS SHARON M ,  FLEMING PATRICIA A S

IPC: G06Q40/00 ,  G06V30/224 ,  G06F17/00

Abstract: A system and methods for handling financial document returns and processi ng exceptions are disclosed. Embodiments of the invention provide a returns and exceptions platform to image enable check returns and exceptions within a financial institution. This capability can be in part enabled by a system that provides both for decisioning based on images, and dispatching or expor ting images and data in a plurality of formats from the system into which th ey are first loaded, so that paper items need not be referenced again. The p lurality of formats for export can include X9.37i files, external and intern al cash letters, and image replacement documents. The image-based processes of the invention can be implemented by a plurality of application servers an d a plurality of database servers interconnected by a network.