Bank of America Corporation

Christopher Hope

Milton Santiago, Jr

Anne D Tatham

Savit A Pirl

Daniel M Whipple

Brandon Matthew Castagna

John E Scully

Thomas J Durkin

Ayeesha Sachedina

Darin G Mallory

William Earl Thomas, Ii

Mary R Rosendahl

Sumita Desai

Alex Y Yang

Alex Wong

Lauren Hewings

Sasikumar Sivaraman

Richard M Brewer

Anna Xu

Shehreyar Jamshed

James McMorrow

Howard O Weinstein

Doug J Carlson

Brian G Higgins

A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.

System for harnessing a connected network to securely verify a transaction

Apparatus and methods are provided for viewing a check image and selecting a check service to be applied to a check. Check services may include a pay/return decision. The check images may be presented in a carousel view without pop-up windows. The user may import pre-selected check services such as stop payments. Check images may be marked with a status indicator. The status indicator may correspond to a check service applied to the check or a reconciliation error associated with the check. A user may receive notifications of pending expiration of an applied check service. The user may select and apply a check service at any time during a clearing process of the check. User may search for checks and check images based on the check service applied to the check. Search results may include check images and may be transmitted to a requested location such as via e-mail.

Digital image check services

Digital check image shifting in a carousel display

Apparatus and methods for bill integration are provided. Checks issued by a bill-pay vendor may be integrated into a daily issue file and be presented to a user for review. The review may include selecting one or more check service to be applied to a check. The presenting may including marking checks and images corresponding to items received from a bill-pay vendor. Credit card transactions initiated via a bill-pay vendor may be integrated into the daily issue file. Checks received from the bill-pay vendor may be numbered into a range that is not a user-generated range. Bill-pay integration may include just-in-time funding of payments initiated through the bill-pay vendor. The daily issue file may be accessed via a mobile device, and may be filtered based on an entitlement associated with the mobile device.

Bill-pay integration

A method and apparatus that improves the operation of treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The initiation process may be streamlined by providing supplemental contact information. Transactions may be initiated from trusted templates or groups of templates. Likewise transfers between internal accounts may be created. At each stage of the process views of current transaction/transfer initiations may be viewed. Transactions that have been successfully initiated may be confirmed. Incomplete or unsuccessful initiation may be reconciled for further action by a user. Templates and transfers may be grouped and sorted.

Method and apparatus for initiating a transaction on a mobile device

Apparatus and methods for providing a dynamic payment generator are provided. A customer of a financial institution may desire to conduct a transaction involving a transferor or transferee financial institution without prior knowledge regarding unique and specific information required by the transferor or transferee institution. In some embodiments, apparatus and methods may detect information entered by the customer and dynamically prompt the customer for additional information required by the transferor or transferee institution. Apparatus and methods may pre-fill fields on a form displayed to the customer with information required by the transferor or transferee institution.

Dynamic payment generator

Apparatus for coordinating a rule-based relationship between a bank, a vendor and a merchant is provided. The apparatus may include a vendor data platform, a vendor payment platform and a vendor clearing platform. The vendor data platform may receive a vendor name, a vendor identification number and vendor banking information and may this information into a third party database maintained by a third party. The vendor payment platform may receive the vendor identification number and a payment amount electronically associated with the vendor identification number without the banking information and transmit, to the third party, the vendor identification number and the payment amount. The vendor clearing platform may receive, from the third party, the payment amount and the banking information, and may transmit information to a clearing house. The information may initiate a transfer of funds into a vendor bank account.

Cloud-based data augmentation

Systems and methods for global information reporting are provided. A global information reporting system according to the invention may include a database configured to store reporting information, memory configured to store execution instructions and a processor coupled with the database and the memory. The processor is configured to execute the instructions. Preferably the system incorporates HTML with active areas. The active areas load small Java&#xae; applets, permitting rapid page loads. The Java&#xae; applets facilitate manipulation of the viewable portion of reports. The same applets can search data in the viewable and the non-viewable portions of the data set. Sticky notes may be attached to reports or transaction to 'follow' the data during storage and provide persistent reminders.

Method and apparatus for global information reporting

Growing community of inventors

Tonbridge Kent, United Kingdom

Christopher Hope