Bank of America Corporation

Preston Wesley Ports, Iii

Debashis Ghosh

Kurt Newman

David Joa

Sudeshna Banerjee

Thayer S Allison

Mark V Krein

Yanghong Shao

Arun Pinto

Michael E Toth

Dipika Jain

Holly J Martinez

Erin McCullen

Sangeeta Varma Martinez

Melissa K Van Leuven

Dawn M Friscia

Deborah D Jackson

A system provides for automated image authentication and external database verification. In particular, the system may perform automatic authentication of an image by extracting data and/or metadata from the image for subsequent analysis. For instance, the extracted data and/or metadata may be compared with historical data to drive authorization processes (e.g., past instances of unauthorized activity). In some embodiments, the system may further use external databases which may be hosted by a trusted third party to perform additional authentication steps and/or verification. In this way, the system may provide a reliable and efficient way to perform authentications.

System for automated image authentication and external database verification

Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

Offset optimization system

Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

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Charlotte, NC, United States of America

Preston Wesley Ports, Iii