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    Processing system for providing a teller assistant experience using enhanced reality interfaces
    1.
    发明授权
    Processing system for providing a teller assistant experience using enhanced reality interfaces 有权

    公开(公告)号：US10755250B2

    公开(公告)日：2020-08-25

    申请号：US16124513

    申请日：2018-09-07

    Applicant: Bank of America Corporation

    Inventor： Nathan Dent ,  Matthew E. Carroll

    IPC: G06Q20/10 ,  H04N7/14

    Abstract: Aspects of the disclosure relate to processing systems that provide a teller assistant experience using enhanced reality interfaces. The computing platform may initiate a video call with an enhanced reality device, which may cause the enhanced reality device to display a user of the computing platform in a portion of a teller assistance experience interface and may cause the computing platform to display a video stream corresponding to a user of the enhanced reality device. The computing platform may receive a request to generate a teller experience notification based on the video stream. The computing platform may generate commands directing an enhanced reality teller control platform to generate the teller experience notification. The computing platform may send, to the enhanced reality teller control platform, the commands, which may cause the enhanced reality teller control platform to direct the enhanced reality device to display the teller experience notification.

    PRE-CONTRACTED, STAGED, CURRENCY EXCHANGE SYSTEM
    5.
    发明申请
    PRE-CONTRACTED, STAGED, CURRENCY EXCHANGE SYSTEM 有权
    预先承诺的，分期的货币兑换系统

    公开(公告)号：US20160104239A1

    公开(公告)日：2016-04-14

    申请号：US14512242

    申请日：2014-10-10

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Tyler Johnson ,  Christian Michael Mande ,  James Robert Grimsley ,  Sara Gill ,  Nathan Dent ,  Kristy M. Crist

    IPC: G06Q40/04

    CPC classification number: G06Q40/04

    Abstract: The present invention is directed to apparatuses, methods, and computer program products for implementing a pre-contracted, staged, currency exchange system. Implementation includes receiving travel information from a user; processing the travel information, wherein processing the travel information comprises determining a negotiated currency exchange rate based on the received travel information; generating a contract based on processing the travel information, wherein the contract comprises terms for executing one or more transactions using the negotiated currency exchange rate, wherein the negotiated currency exchange rate is valid for at least one of a predetermined location, a predetermined number of transactions, or a predetermined period of time; and executing one or more transactions using the negotiated currency exchange rate in accordance with the contract terms.

    Abstract translation: 本发明涉及用于实施预先承包的分期货币兑换系统的装置，方法和计算机程序产品。 实施包括从用户接收旅行信息; 处理旅行信息，其中处理旅行信息包括基于所接收的旅行信息来确定协商的货币兑换率; 基于处理所述旅行信息来生成合同，其中所述合同包括使用协商货币兑换率执行一个或多个交易的条款，其中所述协商货币兑换率对于预定位置，预定数量的交易中的至少一个是有效的 ，或预定时间段; 以及根据合同条款使用协商货币汇率执行一个或多个交易。

    Apparatus, method and computer-readable media for pre-processing information associated with a negotiable instrument to identify options for processing the negotiable instrument
    6.
    发明授权
    Apparatus, method and computer-readable media for pre-processing information associated with a negotiable instrument to identify options for processing the negotiable instrument 有权
    用于预处理与可转让仪器相关联的信息以识别用于处理可转让仪器的选项的装置，方法和计算机可读介质

    公开(公告)号：US09076135B2

    公开(公告)日：2015-07-07

    申请号：US14043912

    申请日：2013-10-02

    Applicant: Bank of America Corporation

    Inventor： Nathan Dent ,  James David Freedman

    IPC: G07F19/00 ,  G06Q20/10

    CPC classification number: G06Q20/10 ,  G06Q20/042 ,  G06Q20/3223 ,  G06Q20/3276 ,  G07F19/202

    Abstract: Systems, methods, computer-readable media and apparatuses pre-processing a negotiable instrument, such as a check, are presented. An image of a portion of the check may be received, such as from a mobile device of a user. The portion provided in the image may include a convenience area of the check identifying an amount of the check as a numerical value and a quick response (QR) code. The QR code may contain data such as that contained in the magnetic ink character recognition (MICR) line of the check. The image may be processed to identify one or more options available for continued processing of the check or for cancelling the transaction. The options may be provided to the user, such as via a user interface. In some examples, the user interface may be provided on the mobile device used to capture the image of the portion of the check.

    Abstract translation: 呈现系统，方法，计算机可读介质和预处理可调票据（例如支票）的装置。 可以接收诸如来自用户的移动设备的支票的一部分的图像。 提供在图像中的部分可以包括将支票的数量识别为数值和快速响应（QR）代码的支票的方便区域。 QR码可以包含诸如包含在支票的墨水字符识别（MICR）线中的数据。 可以处理图像以识别可用于继续处理支票或取消交易的一个或多个选项。 可以例如经由用户界面向用户提供选项。 在一些示例中，可以在用于捕获支票的该部分的图像的移动装置上提供用户界面。

    REMOTE IMAGE RECOVERY
    7.
    发明申请
    REMOTE IMAGE RECOVERY 审中-公开
    远程图像恢复

    公开(公告)号：US20140279492A1

    公开(公告)日：2014-09-18

    申请号：US13829005

    申请日：2013-03-14

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： William H. McGraw ,  Nathan Dent ,  Dion L. Bellamy ,  James D. Goodwin ,  Matthew Bryant

    IPC: G06Q20/10

    CPC classification number: G07F19/209

    Abstract: Methods, systems, and computer-readable media are provided for resilient document image production. During a document deposit transaction, such as a check deposit, a self-service device, such as an automated teller machine (ATM), may experience a fault. In some instances, an image of the document may have been scanned prior to experiencing the fault. The self-service device may retrieve one or more scanned images, for example, over a time window prior to the fault, such as 5 minutes, and allow access to the retrieved images. A processing entity may access the retrieved images, determine that one of the retrieved images is associated with the first document deposit transaction, and resolve a claim for the document deposit transaction.

    Abstract translation: 提供了方法，系统和计算机可读介质用于弹性文件图像制作。 在诸如支票存款之类的文件存款交易中，诸如自动柜员机（ATM）的自助服务设备可能会遇到故障。 在某些情况下，文档的图像可能在经历故障之前被扫描。 自助服务设备可以例如在故障之前的时间窗口（例如5分钟）检索一个或多个扫描图像，并允许访问检索到的图像。 处理实体可以访问检索到的图像，确定检索到的图像之一与第一文档存储交易相关联，并且解决用于文档存储交易的权利要求。

    Frictionless Automated Teller Machine
    8.
    发明申请
    Frictionless Automated Teller Machine 审中-公开

    公开(公告)号：US20200005263A1

    公开(公告)日：2020-01-02

    申请号：US16020019

    申请日：2018-06-27

    Applicant: Bank of America Corporation

    Inventor： Ashish Arora ,  Nathan Dent ,  Michael Toth ,  Harold Joseph Kennedy ,  Elizabeth Anne Price ,  Pavan Singaraju ,  Magdy Ismail ,  Varsha Devadas

    IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/40

    Abstract: A frictionless automated teller machine (ATM) computing system may include an ATM and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM. After receipt of the confirmation, the ATM may prompt the user to enter an additional identifier. Upon confirmation of the additional identifier, the ATM may dispense a specified amount of currency.

    Processing system for providing a teller assistant experience using enhanced reality interfaces
    9.
    发明授权
    Processing system for providing a teller assistant experience using enhanced reality interfaces 有权

    公开(公告)号：US10462425B1

    公开(公告)日：2019-10-29

    申请号：US16124316

    申请日：2018-09-07

    Applicant: Bank of America Corporation

    Inventor： Matthew E. Carroll ,  Nathan Dent

    IPC: H04N7/15 ,  H04N7/14 ,  G06Q20/10

    Abstract: Aspects of the disclosure relate to processing systems that provide a teller assistant experience using enhanced reality interfaces. The computing platform may receive, from an enhanced reality device, pre-transaction information corresponding to an interaction with an automated teller machine terminal platform. Based on the pre-transaction information, the computing platform may generate teller assistant experience information and commands directing the enhanced reality device to generate a teller assistant experience interface using the teller assistant experience information. The computing platform may send the teller assistant experience information and the commands directing the enhanced reality device to generate the teller assistant experience interface using the teller assistant experience information. The computing platform may initiate a video call between the enhanced reality device and a teller interaction platform, which may be displayed at the enhanced reality device in a portion of the teller assistant experience interface.

    Pre-contracted, staged, currency exchange system
    10.
    发明授权
    Pre-contracted, staged, currency exchange system 有权

    公开(公告)号：US10002387B2

    公开(公告)日：2018-06-19

    申请号：US14512242

    申请日：2014-10-10

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Tyler Johnson ,  Christian Michael Mande ,  James Robert Grimsley ,  Sara Gill ,  Nathan Dent ,  Kristy M. Crist

    IPC: G06Q40/00 ,  G06Q40/04

    CPC classification number: G06Q40/04

    Abstract: The present invention is directed to apparatuses, methods, and computer program products for implementing a pre-contracted, staged, currency exchange system. Implementation includes receiving travel information from a user; processing the travel information, wherein processing the travel information comprises determining a negotiated currency exchange rate based on the received travel information; generating a contract based on processing the travel information, wherein the contract comprises terms for executing one or more transactions using the negotiated currency exchange rate, wherein the negotiated currency exchange rate is valid for at least one of a predetermined location, a predetermined number of transactions, or a predetermined period of time; and executing one or more transactions using the negotiated currency exchange rate in accordance with the contract terms.

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