Predictive determination and resolution of a value

专利名称：Predictive determination and resolution of a

value of indicia located in a negotiableinstrument electronic image

发明人：Michael Gerald Smith,James F. Barrett,

II,Andrew Patrick Bastnagel,Joshua AllenBeaudry,Eric Dryer,Shawn CartGunsolley,Marshall Bright

Thompson,Michael Matthew Wisser

申请号：US14750393申请日：20150625公开号：US10229395B2公开日：20190312

专利附图：

摘要：Embodiments of the invention include systems, methods, and computer-program products for predictive determination and resolution of an exception located ona negotiable instrument. The exception may be an indicia that includes data related tothe payor, payment accounts, or payee. An indicia may not be identified successfully andthus be queued for exception processing. The exceptions may include one or moreirregularities such as bad micro line reads, outdated check stock, or misrepresentativeindicia points on a negotiable instrument that may result in a failure to match the checkto an account for processing. Upon identifying an exception, the system retrieveshistorical transaction data associated with the resolved indicia. Subsequently, utilizing theresolved indicia, the system may determine a value for the exception identified based onthe retrieved historical transaction data. Finally, the determined value may be stored withthe negotiable instrument to complete the payment reconciliation process.

申请人：BANK OF AMERICA CORPORATION

地址：Charlotte NC US

国籍：US

代理机构：Moore & Van Allen PLLC

代理人：Michael A. Springs,Nicholas C. Russell

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