Bank of America Corporation

John E Scully

Robert S Mumma

Patrick E Burgess, Jr

Milton Santiago, Jr

James Rajeshvincent

Vijayabhasker M Krishnamurthy

Mahalingam Joghee

Michael Downey

Brian Dietrich

Christopher Hope

Michael George Horstman

Scott A Field

Catherine Ann Worth

Nathaniel B Marocco

Brian T Pack

Erik F Wischhusen

Eric F Wischhusen

Jennifer N Wheat

Daniel C Finholt

James J Potsch

Anup Vappala

Joe Llaca

Brittany S Abisambra

A secure storage apparatus on a mobile device for securing user-access to a mobile application is provided. The secure storage may include, an electronic representation of a mobile token pin selected and inputted when authenticating a user for a first time and an OTP seed, stored in the secure storage. The secure storage may be a secure portion of memory on the mobile device only accessible and visible to the mobile application upon receipt of the mobile token pin. When the mobile token pin is inputted into the mobile application on the mobile device, the mobile application may be configured to transmit the mobile token pin to an authentication server for verification. In response to the verification, the OTP seed may be released from the secure storage and activate an OTP application associated with the mobile application to generate, transparent to the user, an OTP.

Digital integration token

Aspects of the disclosure relate to computer applications for collating scattered signals in a computer system. The computer system may include a processor, memory, display, and a plurality of applications. The plurality of applications may include a central application and a plurality of peripheral applications. The peripheral applications may generate signals. The central application may access the signals generated by the peripheral applications. The central application may collate the signals and store the collated signals. The central application may present the collated signals on the display. The collated signals may be actionable in the central application. Actions performed in response to the collated signals in the central application may be conveyed to the peripheral application from where the collated signal originated.

Application for collating scattered signals in a computer system

Apparatus and methods for supporting a mobile check deposit of a check into a bank account, the check having a first value, the first value being in a first currency, the bank account holding funds having a second currency. The system architecture may include one or more of a mobile phone platform, a shadow account creator module, a mobile check deposit host and/or a shadow account module. The mobile phone platform may provide a user with a selectable display including a plurality of bank accounts in which the check may be deposited, the plurality of bank accounts including the bank account. The shadow account creator may store funds having the first value or a second value, in the second currency, until the check has been cleared by a clearinghouse and/or honored by a drawing bank.

Universal check deposit systems and methods

Methods for providing relevance-based, image centric information are provided. The methods may include receiving an image. The methods include linking each received image to an appropriate selected standard format. The selection may be based on a greatest degree of relevance between the image and the selected format. The methods include converting each image into a linked standard format. The methods include loading the converted images into a database. The methods include searching the database utilizing a query. The methods include returning a plurality of resultant images in response to the query. The methods include determining a search relevance result value for each resultant image. The search relevance result value being based on the level at which the document fits the query. The methods include ordering the resultant images based on the search relevance result values. The methods include arranging the images and associated metadata on a four-regioned user interfacing display.

Image-centric, relevance-based database retrieval systems

Methods for enriching the searchability of a transaction are provided. Methods may include receiving a raw transactional data feed at a preference rules engine. The raw transactional data feed may be associated with a transaction. Methods may include transmitting a request, from the preference rules engine to a data warehouse, for enriched transaction detail associated with a transaction identification number. The transaction identification number may be associated with the transaction. The request may include the transaction identification number. Methods may include receiving, at the preference rules engine, the transaction identification number with enriched transaction detail from the data warehouse. Methods may include appending, at the preference rules engine, the enriched transaction detail to the raw transactional data feed, thereby creating a revised transaction. Methods may include transmitting the revised transaction to a database. Methods may include transmitting the revised transaction from the database to a secondary database.

Systems and methods for enriching the searchability of a transaction

Methods and apparatus for analyzing and replicating databases are provided. Methods may include receiving an accounts receivable information query from a system user. The accounts receivable information query may include a payment. The payment may include a credit card payment, an EFT, a paper check and any other suitable payment. Methods may include reviewing a central database for information pertaining to the accounts receivable query. The central database may include replicated credit card databases, replicated EFT databases, replicated paper check databases and any other suitable databases. Methods may include locating, in the central database, an invoice which may exceed a threshold level of correlation to the account receivable information query. Methods may include displaying to a system user the accounts receivable information query and the corresponding invoice. Methods may include presenting to the system user a user-selectable option to reconcile the invoice with the account receivable information query.

Method and apparatus for replicating and analyzing databases

Systems and methods for cash positioning and cash reporting are preferably provided. A system for cash reporting and cash positioning according to the invention may include a controller module and a web service module. The controller module may be adapted to receive a selection to update a data store. The web service module may be adapted to receive a call from the controller module. The call from the controller module may be sent in response to the selection to update the data store. The web service module may be configured to retrieve bank account information data in response to the call from the controller module.

Systems and methods for cash positioning and reporting

In some embodiments, a method for generating financial reports, includes selecting a first request from a plurality of pending requests. The first request requests a report on information regarding one or more accounts with a financial institution. The first request is separated into a plurality of content requests. The plurality of content requests represent requests for information to be incorporated into the requested report. A plurality of subreports are received in response to each of the plurality of content requests. The requested report is generated in response to the first request by binding each of the plurality of subreports.

Generating financial reports

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.

Growing community of inventors

Chicago, IL, United States of America

John E Scully