Bank of America Corporation

Wanda P Wick

Kevin Cole

Method, apparatus and system for setting up withdrawal change orders online or at a cash handling device for immediately retrieval and/or future retrievals of paper cash and coin. The change order may include specific requested denominations of paper cash and/or coins. The change order may also include a specific location that the user wishes to retrieve the cash at. Upon authentication of the user at the requested cash handling device within the time-frame specified, the user may receive the change order requested automatically.

Change orders

Systems and methods are illustrated for performing a person-to-person funds transfer. A person-to-person funds transfer process may be divided into a funds transfer initiation process to receive the funds to be transferred and recipient information from a sender and a funds retrieval process to provide the funds to a recipient. The funds transfer initiation process may include a customizable authentication step that provides the sender an opportunity to determine the level of authentication. The funds transfer retrieval process may include determining whether the recipient is authenticated based on the authentication level chosen by the sender.

Person-to-person funds transfer

Method, apparatus and system for receiving coins and generating a certificate for depositing the sum of received coins in a banking account. The user may redeem the certificate in an already existing bank account or may enroll into a new banking account and receive immediate access to the funds redeemed.

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Charlotte, NC, United States of America

Wanda P Wick