Bank of America Corporation

Clarence Edward Lee, Ii

Lowell Robert Huff

Verlon Safold Watson, Iii

George Miller Abernethy

Mary Jo Stuart

Ronald E Meharg

James Joseph Clementi

Michael Greig Stoll

Melanie Woodworth

Matthew Alexander Calman

Kerry Michelle Cantley

Eric Dryer

David T Frew

Michael Gerald Smith

Jeanne M Moulton

Shawn Cart Gunsolley

Jasher David Fowles

Eric Scott Sandoz

Timmy Leo Gauvin

Charles Christopher Harbinson

Ronald Hollander

Leslie LaRock

Kenneth R Cox

Sean B Kang

Timothy Alan Mincey

Todd E Ratts

David McMann

Tami Marie Shepard

Kelly Scot Hall

Georgeann Paschal Gregory

Christopher David Greth

Jeffrey Robert Woodside

William Gollnick

Douglas P Elliott

Kathryn B Carmody

Gregory Tyrone Domally

Joseph P Shuster

Haywood P Enloe

Carol W Wiles

Raymond William Schall, Jr

Lynn Flesher

Shashi R Warrier

Laura J Redd

Jeoffrey E Hardesty

In some embodiments, one or more processors receive a financial instrument via an interface. The financial instrument indicates attributes of a financial transaction. The processors determine, based on one or more of the attributes, whether the financial transaction involves a cross border exchange. If the financial transaction involves a cross border exchange, the processors flag the financial instrument accordingly, perform a currency conversion, and communicate an electronic image associated with the financial instrument to computing resources configured to complete the financial transaction electronically without having to transport a paper copy of the financial instrument between financial institutions.

Cross border image exchange

An image item processing engine for image item exchange may receive an image item data packet including two image items, each including a digital image documenting an action for a recipient institution and associated metadata. The metadata may identify the image item sender and a country associated with an image item, the packet originator, or the recipient institution, at least one country associated with the second image item being different than a country associated with the first image item. The engine may apply sorting rules to determine item types for the first and second image items based on their metadata, determine a recipient institution for the packet based on the item types, assemble a data transfer packet including the digital images and metadata included in the first and second image items, and provide the data transfer packet to a transfer packet routing service for routing to the selected recipient institution.

System and method for transferring image systems of different types between computers in a single data packet

A system for routing an image file in a network includes primary network resources, secondary network resources, and an image routing processor that receives the image file from a user device via the primary network resources, creates an association in real-time between the image file and an image address that facilitates retrieving the image file from a repository of a financial institution, communicates a message enabling the user device to use the image address to immediately retrieve the image file stored in the repository of the financial institution, receives a user request to retrieve the image file associated with the image address, uses the image address to retrieve the image file from the repository of the financial institution, and routes the image file prior to the secondary network resources posting a financial transaction based on a financial instrument depicted in the image file.

Routing an image within a network

A system and method for efficient image cashletter processing where an image cashletter including a plurality of monetary records is received. Failed monetary records in the image cashletter are separated out from good monetary records in the image cashletter. The good monetary records are processed independently of processing the failed monetary records, therefore, allowing the good monetary records to continue to be processed without having to wait for the failed monetary records to be repaired.

Image cashletter processing with reject repair deferral

The present invention provides systems, methods, and computer program products for performing validation and clearance at a transaction item level for transaction received in a batch format. Each transaction of the batch is stored separately in a storage system, such as a logical database. Typically, image data and electronic data for a transaction are stored separately in the storage system and may be linked to each other. Each transaction is separately accessible and/or updateable. Each transaction stored in the storage system is separately analyzed to validate that the transaction is at least balanced. Transactions that determined to be balanced are cleared irrespective of a balance status associated with other transactions associated with the batch of transactions, such that transactions are individually cleared as opposed to being cleared in a batch format.

Systems, methods, and computer program products for performing item level transaction processing

An automated system can be provided for continuously and accurately assigning float to deposit credits within a financial institution. A normalized market segment is continuously assigned to each account by extracting information from a plurality of disparate demand deposit account systems. Deposit credits are gathered from disparate known capture sites and the normalized market segment is assigned to a deposit credit for a corresponding account. A float assignment can then be made for a deposit credit so that the float reflects both a deposit location and current domestic information for the corresponding account. A system for implementing the invention can include a float system connected to a transaction exchange system.

Automated float pricing for geographically distributed deposits and accounts

A method and system for enhanced check image privacy are disclosed. Embodiments of the present invention provide a way to automatically link the results from quality assurance software to a check image archive to appropriately mark images as unretrievable by customers. Images are interrogated with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches associated, stored magnetic ink character recognition (MICR) data is below a pre-set threshold. The image can be then automatically designated in the financial document archive. The image can be displayed to an operator for analysis when the confidence score is above the pre-set threshold and below a pre-set limit, or in cases where the confidence score cannot be determined by the data matching algorithm.

Method and system for enhanced check image privacy

Growing community of inventors

Mansfield, TX, United States of America

Clarence Edward Lee, Ii