Bank of America Corporation

Sean B Kang

Stephen D Poinier

Eric Dryer

Eric Scott Sandoz

Lowell Robert Huff

Clarence Edward Lee, Ii

George Miller Abernethy

Ronald Hollander

Jeffrey Robert Woodside

Universal counter deposit ticket including MICR (magnetic ink character recognition) characters

A state-agnostic counter deposit ticket is provided. The counter deposit ticket may include MICR ink. The MICR ink may be printed on a top face of the ticket. The MICR ink may include a universal routing transit number, which may be independent of any state of origin indication in the MICR ink. Waveforms may be produced from the MICR ink may include a positive indication of state-agnosticity. The counter deposit ticket may include a plurality of boxes on the top face on the ticket. Each box may include the name of one of the fifty states of the United States of America. The counter deposit ticket may outline a portion of empty space. The portion may be at least two inches by two inches square on a bottom face of the ticket, and designated by the legend 'do not write in this area'.

Methods for producing state-agnostic waveforms upon magnetic reading of a universal counter deposit ticket

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

Growing community of inventors

McKinney, TX, United States of America

Sean B Kang