Bank of America Corporation

Michele N Hanshew

John Barrett Hall

Mark David Felse

Kerry Kurt Simpkins

James Kevin Benton

Dewayne A Furr

Michael Joseph Pepe

Melody Gentile

Richard A Banks, Jr

Theresa Brennan

David T Frew

Tessa R Cooke

Sarah Catherine Christine

Nidhi Pinjani

Theresa M Brennan, Jr

Sarah Christine

Lawrence E Fouts

A system for optical character recognition pre-verification is provided. The system may review payment documents. The payment documents may include remit stubs and paper checks. The system, utilizing optical character recognition software, may determine dollar amounts on the remit stubs and the paper checks. The optical character recognition software may determine a confidence level of whether the determined amount is the same amount that the writer of the check. If the confidence level is above first predetermined threshold level of confidence and below a second predetermined threshold level of confidence, the system may present an operator with a pre-verification GUI. The pre-verification GUI may include a view of the remit stub, a view of the check, the dollar amount due, a match button and a do not match button. Upon selection of either the match or do not match button, the payment may be processed in another check-processing system.

Optical character recognition pre-verification system

A method for database retrieval is provided. The method may include receiving a history datastore. The method may include receiving a payment, i.e., a paper check. The method may include simultaneously scanning the check into a grayscale image and black and white image. The method may include reviewing each pixel on the black and white image alone and in combination with surrounding pixels to determine an arrangement of shaded pixels. When the arrangement of shaded pixels is determined to be above a predetermined threshold of similarity to a predefined set of characters, the method may determine a subset of characters and store the subset of characters in a memory. The method may include crawling the history datastore to determine information which corresponds to the subset of characters stored in memory and retrieving the corresponding information. The method may include showing the corresponding information and the payment on a GUI.

Database retrieval system

A method for data processing comprising may include receiving a paper instruction at a CS and stamping the paper instruction with a predetermined batch number at the CS. The method may further include transferring the paper instruction to a data element at the CS and constructing an executable electronic data record. The method may include creating a transaction identification number for the record and appending the transaction identification number to the record. The method may include transmitting the record from the RS to a CPS and receiving the record at the CPS. The method may include storing the transaction identification number and the batch identification number of the record in a CPS-table of records and executing the record at the CPS. The method may include transmitting the executed record from the CPS to a DRS, following a discrete lapse of time from the receipt of the record.

Methods and apparatus for data recovery following a service interruption at a central processing station

Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.

Granular, user-accessible paper payment processing indicators

Aspects of the disclosure relate to providing apparatus and methods for processing co-mingled paper correspondence received at a central location. Apparatus and methods provide an ability to co-mingle paper correspondence and corresponding digital images of the paper correspondence. Apparatus and methods provide an ability to translate transaction information extracted from the co-mingled correspondence to a payment time. Apparatus and methods provide may utilize custom scan templates to improve a reliability and accuracy of information extracted from co-mingled correspondence.

Processing of co-mingled paper correspondence

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Smyrna, DE, United States of America

Michele N Hanshew