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    PAYMENT HANDLING
    1.
    发明专利
    PAYMENT HANDLING 未知

    公开(公告)号：CA2702432A1

    公开(公告)日：2009-05-07

    申请号：CA2702432

    申请日：2008-10-31

    Applicant: BANK OF AMERICA

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

    IPC: G06Q20/00

    Abstract: Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance.

    Payment handling
    2.
    发明专利
    Payment handling 未知

    公开(公告)号：AU2008318451B2

    公开(公告)日：2013-09-05

    申请号：AU2008318451

    申请日：2008-10-31

    Applicant: BANK OF AMERICA

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

    IPC: G06Q20/00

    Abstract: Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance.

    TRAMITACION DE PAGOS.
    3.
    发明专利
    TRAMITACION DE PAGOS. 未知

    公开(公告)号：MX2010004745A

    公开(公告)日：2010-08-02

    申请号：MX2010004745

    申请日：2008-10-31

    Applicant: BANK OF AMERICA

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

    IPC: G06Q20/00

    Abstract: Se describen sistemas y métodos para la tramitación de un pago en un punto de venta o la aceptación de pago a distancia y locación de procesamiento para una cuenta del cliente. Los sistemas y los métodos pueden incluir la recepción de un pago en un punto de venta o la aceptación de pago a distancia y procesamiento de la ubicación e identificar datos que incluyen al menos una cantidad del pago asociado con el pago. Los datos pueden transmitirse a través de una red de computadora y almacenarse en un depósito de datos asociado con una cuenta del cliente. Un balance de la cuenta del cliente puede actualizarse rápidamente basado en los datos asociados con el pago. Los datos pueden transmitirse a través de una red de computadora y pueden utilizarse en una aplicación de software para proveerle a una cuenta del cliente, un reconocimiento rápido sobre un pago y un saldo total.

    AUTOMATIC GENERATION OF CHANGE ORDERS
    5.
    发明申请
    AUTOMATIC GENERATION OF CHANGE ORDERS 审中-公开
    变更单的自动生成

    公开(公告)号：WO2010039688A3

    公开(公告)日：2010-05-27

    申请号：PCT/US2009058743

    申请日：2009-09-29

    Applicant: BANK OF AMERICA ,  SANDERS WILLIAM THOMAS ,  BOHEN DANIEL CHRISTOPHER ,  JOHNSON SHANE ANTHONY ,  FOLK AMY BAKER

    Inventor： SANDERS WILLIAM THOMAS ,  BOHEN DANIEL CHRISTOPHER ,  JOHNSON SHANE ANTHONY ,  FOLK AMY BAKER

    IPC: G06Q20/00

    CPC classification number: G07F19/00 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q20/20

    Abstract: A method for automatically generating change orders may be performed at a point of sale system. The point of sale system may determine an amount of funds in the point of sale system and whether additional funds are necessary. If so, a change order may be automatically requested from a back office system (e.g., a cash recycler) or a financial institution. The back office system may determine whether it is able to fulfill the change order request and if not, forward the request to the financial institution. In one or more arrangements, a notification that a change order request has been received may be transmitted to a manager or other change order personnel. The change order request and funds delivered to the point of sale system in response thereto may be reconciled with the back office system.

    Abstract translation: 可以在销售点系统处执行用于自动生成更改订单的方法。 销售点系统可以确定销售点系统中的资金量以及是否需要额外的资金。 如果是这样，可以从后台系统（例如现金回收商）或金融机构自动请求变更单。 后台系统可以确定是否能够履行变更请求，如果不能，则将请求转发给金融机构。 在一个或多个布置中，可以将已经接收到变更单请求的通知传送给管理员或其他变更单人员。 响应于此的交付给销售点系统的变更单请求和资金可与后台系统协调一致。

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