Bank of America Corporation

Anthony B Calderone

Shane Anthony Johnson

Kerry Michelle Cantley

Eric Dryer

Michelle Davis Nichols

David T Frew

Mark D Zanzot

Margaret Morgan Weichert

William Earl Thomas, Ii

Bethann Johnston

Philip Tobin

John Daniel Shaver

John Scott Walbert

Garrett C Briggs

Brian Duane Brown

Henry W Debnam

John N Venzon

Michael Jacobs

Aspects of the invention provide for an end-to-end currency handling, and servicing apparatus. The apparatus may be used in any cash-centric business or enterprise for cash register till set up and balancing, back office reconciliation, and other cash payment handling activities. Further aspects of the invention provide real-time access to cash receipts for enterprise use in making financial and planning decisions.

Commercial currency handling and servicing management

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.

Systems, methods and computer program products for managing payment processes in a comprehensive payment hub system

Systems, methods, and computer program products are provided for conducting comprehensive payment processing of all payment requests regardless of the payment request channel. Payment requests are transformed from the initial format to a standardized format, which allows for the occurrence of further comprehensive payment processing, referred to herein as payment hub processing. Once the payment request has undergone necessary payment hub processing, the request undergoes further transformation/conversion from the standardized format to a target clearing format. In one embodiment of the invention, the processing hub provides for determining the clearing or remittance channel based on payment routing rules, which may take into account cost, time, risk and any other payment factors.

Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing

The workflow management system includes various modules that manipulate incoming messages from a variety of clients, translate and route the messages to the appropriate backend applications, monitor completion by the backend applications and provide responses to the clients. A common database is operatively connected to the applications and modules to manage and monitor the workflow of an enterprise over time and provide support of service.

System and methods for workflow management

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Matthews, NC, United States of America

Anthony B Calderone