公开(公告)号：CA2656404A1

公开(公告)日：2008-01-03

申请号：CA2656404

申请日：2007-06-26

Applicant: BANK OF AMERICA

Inventor： GOLLNICK WILLIAM R ,  MURRAY SCOTT SAMUEL ,  FREW DAVID TODD ,  CANTLEY KERRY MICHELLE ,  WOODSIDE JEFFREY R ,  HALL KELLY SCOT

IPC: G06Q10/00

Abstract: Method and system for processing image returns. Embodiments of the invent ion provide for automating data flow and reporting processes connected with administrate image returns to a financial institution with multiple image pr ocessing sites. A computer-implemented method of processing a cash letter fi le identifying returned items includes obtaining an identifier for a process ing site for each item identified in the cash letter file. A separate report corresponding to each processing site as indicated by the identifier is ass embled. The report lists each returned item for the processing site. Each se parate report is forwarded to each processing site to enable the processing site to re-process just the returned items specific to the processing site. Provision is also made for automatically updated stored ledger information b ased on a cash letter settlement table.

公开(公告)号：CA2617793C

公开(公告)日：2014-04-22

申请号：CA2617793

申请日：2006-08-04

Applicant: BANK OF AMERICA

Inventor： FREW DAVID TODD ,  CALMAN MATTHEW A ,  FELSE MARK DAVID ,  CANTLEY KERRY

IPC: G06T7/00 ,  G06Q20/04 ,  G06Q40/00 ,  G06Q40/02

Abstract: An image processing system requires that both a data file and an image file are received before the item is sent to a posting system. When a data file including an image is received, the system determines if the image was properly and timely received. If the file was properly received, the file is interpreted to ascertain whether the image has been previously tested and passed image quality analysis or if it requires testing by the receiving institution. If testing is required the image is sent through image quality analysis (IQA) to determine if the image meets an acceptable quality standard. If the image passes IQA, it is passed to the institution~s posting process. If the image does not pass IQA and the failure is not overridden, the item is returned to the presenting institution. The system prevents the posting of the transaction and corresponding image until a quality image is received and approved.

公开(公告)号：CA2692978A1

公开(公告)日：2010-08-13

申请号：CA2692978

申请日：2010-02-11

Applicant: BANK OF AMERICA

Inventor： ZANZOT MARK D ,  BRIGGS GARRETT C ,  DRYER ERIC ,  CALDERONE ANTHONY B ,  THOMAS WILLIAM EARL II ,  TOBIN PHILIP ,  FREW DAVID TODD ,  CANTLEY KERRY

IPC: G06Q20/00

Abstract: Systems, methods, and computer program products are provided for managing the processing of a financial payment and, more specifically managing the processing of a financial payment in a comprehensive payment hub environment that provides for payment processing, including payment route determination, irrespective of the payment input channel. In accordance with embodiments herein disclosed, managing the processing of the payment includes automatically determining the payment processes and automatically determining the arrangement of the payment processes. As such, the methods, systems, and computer program products herein described provide for an efficient and cost-effective approach to processing payments.

公开(公告)号：CA2692707A1

公开(公告)日：2010-08-13

申请号：CA2692707

申请日：2010-02-11

Applicant: BANK OF AMERICA

Inventor： ZANZOT MARK D ,  BRIGGS GARRETT C ,  DRYER ERIC ,  CALDERONE ANTHONY B ,  THOMAS WILLIAM EARL II ,  TOBIN PHILIP ,  FREW DAVID TODD ,  CANTLEY KERRY

IPC: G06Q20/00

Abstract: Systems, methods, and computer program products are provided for optimizing routing of financial payments by determining routing on a per-payment transaction basis based on one or more routing rules. The routing rules take into account payment factors such as, but not limited to, cost of payment processing, time for payment processing, risk/quality of payment processing, remittance requirements and/or the destination of the payment. From the payor or payee perspective, payor-drfined or payee-defined payment attributes associated with these or other payment factors can be predefined in a payor/payee profile or dynamically defined proximate to the time at which the payment request is initiated. In this regard, present embodiments serve to create a payment process that is beneficial, in terms of cost, timeliness, quality and the like, to both the payor, the payee and financial institution handling payment processing.

公开(公告)号：CA2617793A1

公开(公告)日：2007-02-15

申请号：CA2617793

申请日：2006-08-04

Applicant: BANK OF AMERICA

Inventor： CANTLEY KERRY ,  FELSE MARK DAVID ,  CALMAN MATTHEW A ,  FREW DAVID TODD

IPC: G06K9/00 ,  G06Q40/00

Abstract: An image processing system requires that both a data file and an image file are received before the item is sent to a posting system. When a data file including an image is received, the system determines if the image was properly and timely received. If the file was properly received, the file is interpreted to ascertain whether the image has been previously tested and passed image quality analysis or if it requires testing by the receiving institution. If testing is required the image is sent through image quality analysis (IQA) to determine if the image meets an acceptable quality standard. If the image passes IQA, it is passed to the institution's posting process. If the image does not pass IQA and the failure is not overridden, the item is returned to the presenting institution. The system prevents the posting of the transaction and corresponding image until a quality image is received and approved.

公开(公告)号：MX2010001717A

公开(公告)日：2010-08-13

申请号：MX2010001717

申请日：2010-02-12

Applicant: BANK OF AMERICA

Inventor： FREW DAVID TODD ,  CANTLEY KERRY ,  DRYER ERIC ,  ZANZOT MARK D ,  BRIGGS GARRETT C ,  CALDERONE ANTHONY B ,  THOMAS WILLIAM EARL II ,  TOBIN PHILIP

IPC: G06Q20/00

Abstract: Se proporcionan sistemas, métodos y productos de programa de computadora para administrar el procesamiento de un pago financiero y, de manera más específica, administrar el procesamiento de un pago financiero en un ambiente de concentrador de pagos comprensivo que permite el procesamiento de pago, incluyendo la determinación de ruta de pago, sin considerar el canal de entrada de pago; de acuerdo con modalidades aquí descritas, la administración del procesamiento del pago incluye determinar automáticamente los procesos de pago y determinar automáticamente el arreglo de los procesos de pago; debido a esto, los métodos, sistemas y productos de programa de computadora aquí descritos proporcionan un enfoque eficiente y efectivo en costo para el procesamiento de pagos.

公开(公告)号：MX2010001718A

公开(公告)日：2010-08-12

申请号：MX2010001718

申请日：2010-02-12

Applicant: BANK OF AMERICA

Inventor： FREW DAVID TODD ,  CANTLEY KERRY ,  DRYER ERIC ,  ZANZOT MARK D ,  CALDERONE ANTHONY B ,  THOMAS WILLIAM EARL II ,  TOBIN PHILIP ,  BRIGGS GARRET C

IPC: G06Q20/00

Abstract: Se proporcionan sistemas, métodos y productos de programa de computadora para optimizar el enrutamiento de pagos financieros mediante la determinación del enrutamiento sobre una base de transacción por-pago con base en una o más reglas de enrutamiento; las reglas de enrutamiento toman en cuenta factores de pago tales como, pero no limitado a, costo del procesamiento de pago, tiempo para procesamiento del pago, riesgo/calidad del procesamiento de pago, requerimientos de entrega y/o el destino del pago; desde la perspectiva del pagador o acreedor, atributos de pago definidos por el pagador o definidos por el acreedor asociados con estos u otros factores de pago pueden ser predefinidos en un perfil de pagador/acreedor o definidos de manera dinámica cerca del tiempo en el cual se inicia la solicitud de pago; en este aspecto, las presentes modalidades sirven para crear un proceso de pago que •sea benéfico, en términos de costo, oportunidad, calidad y similares, tanto para el pagador, como para el acreedor y la institución financiera que maneja el procesamiento de pago.

公开(公告)号：MX2008001666A

公开(公告)日：2008-04-07

申请号：MX2008001666

申请日：2006-08-04

Applicant: BANK OF AMERICA

Inventor： FREW DAVID TODD ,  CALMAN MATTHEW A ,  FELSE MARK DAVID ,  CANTLEY KERRY

IPC: G06K9/00 ,  G06Q40/00

Abstract: Un sistema de procesamiento de imagen requiere que un archivo de datos y un archivo de imagen sean recibidos antes de que el documento sea enviado hacia un sistema de traspaso. Cuando un archivo de datos que incluye una imagen sea recibido, el sistema determina si la imagen fue recibida en forma adecuada y a tiempo. Si el archivo fuera recibido en forma adecuada, el archivo seria interpretado para su evaluacion si la imagen hubiera sido previamente verificada y si aprobara el analisis de calidad de imagen o si requiriera de su verificacion a traves de la institucion de resolucion. Si fuera requerida la verificacion o comprobacion, la imagen seria enviada a traves del analisis de calidad de imagen (IQA) para determinar si la imagen cumple con un estandar aceptable de calidad. Si la imagen aprobara el IQA, esta seria pasada al proceso de traspaso de la institucion. Si la imagen no aprobara el IQA, y el defecto o falla no fuera anulada, el documento seria regresado a la institucion de presentacion. El sistema evita el traspaso de la transaccion y la correspondiente imagen hasta que sea recibida y aprobada una imagen de calidad.

公开(公告)号：WO2007019300A3

公开(公告)日：2008-01-10

申请号：PCT/US2006030422

申请日：2006-08-04

Applicant: BANK OF AMERICA ,  FREW DAVID TODD ,  CALMAN MATTHEW A ,  FELSE MARK DAVID ,  CANTLEY KERRY

Inventor： FREW DAVID TODD ,  CALMAN MATTHEW A ,  FELSE MARK DAVID ,  CANTLEY KERRY

IPC: G06K9/00 ,  G06Q40/00

CPC classification number: G06Q20/0425 ,  G06K9/036 ,  G06Q10/10 ,  G06Q40/00

Abstract: An image processing system requires that both a data file and an image file are received before the item is sent to a posting system. When a data file including an image is received, the system determines if the image was properly and timely received. If the file was properly received, the file is interpreted to ascertain whether the image has been previously tested and passed image quality analysis or if it requires testing by the receiving institution. If testing is required the image is sent through image quality analysis (IQA) to determine if the image meets an acceptable quality standard. If the image passes IQA, it is passed to the institution's posting process. If the image does not pass IQA and the failure is not overridden, the item is returned to the presenting institution. The system prevents the posting of the transaction and corresponding image until a quality image is received and approved.

Abstract translation: 图像处理系统要求在将物品发送到发布系统之前接收数据文件和图像文件。 当接收到包括图像的数据文件时，系统确定图像是否被正确和及时接收。 如果文件被正确接收，则文件被解释以确定图像是否已经被测试并且经过图像质量分析，或者如果它需要接收机构的测试。 如果需要测试，则通过图像质量分析（IQA）发送图像，以确定图像是否符合可接受的质量标准。 如果图像通过IQA，它将被传递给该机构的发布过程。 如果图像未通过IQA，并且故障不被覆盖，则该项目将返回给呈现机构。 该系统防止事务和相应图像的发布，直到接收和批准质量图像。

公开(公告)号：WO2008002896A3

公开(公告)日：2008-03-13

申请号：PCT/US2007072084

申请日：2007-06-26

Applicant: BANK OF AMERICA ,  CANTLEY KERRY MICHELLE ,  FREW DAVID TODD ,  HALL KELLY SCOT ,  GOLLNICK WILLIAM R ,  MURRAY SCOTT SAMUEL ,  WOODSIDE JEFFREY R

Inventor： CANTLEY KERRY MICHELLE ,  FREW DAVID TODD ,  HALL KELLY SCOT ,  GOLLNICK WILLIAM R ,  MURRAY SCOTT SAMUEL ,  WOODSIDE JEFFREY R

IPC: G06Q10/00

CPC classification number: G06Q30/06

Abstract: Method and system for processing image returns. Embodiments of the invention provide for automating data flow and reporting processes connected with administrate image returns to a financial institution with multiple image processing sites. A computer-implemented method of processing a cash letter file identifying returned items includes obtaining an identifier for a processing site for each item identified in the cash letter file. A separate report corresponding to each processing site as indicated by the identifier is assembled. The report lists each returned item for the processing site. Each separate report is forwarded to each processing site to enable the processing site to re-process just the returned items specific to the processing site. Provision is also made for automatically updated stored ledger information based on a cash letter settlement table.

Abstract translation: 处理图像返回的方法和系统。 本发明的实施例提供了将具有多个图像处理站点的向具有管理图像返回的数据流和报告过程自动化的金融机构。 用于处理识别返回项目的现金字母文件的计算机实现的方法包括为现金字母文件中识别的每个项目获取处理现场的标识符。 组装了与标识符指示的每个处理站点对应的单独报告。 该报告列出了处理站点的每个返回的项目。 每个单独的报告都转发到每个处理站点，以使处理站点能够重新处理特定于处理站点的返回项目。 还提供了根据现金结算表自动更新的存货分类帐信息。