# US 2014/0195395 A1 · Differentiated service levels for exception processing of financial transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195395 A1 - Document ID: US20140195395A1 - Status: Published application - Kind: A1 - Application number: 13/737,703 - Filed: 2013-01-09 - Published: 2014-07-10 - Earliest claimed: 2013-01-09 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: Shiva-Sanjay Bhakta; Jeffrey R. Goertz; Kerry Michelle Cantley; Eric Dryer; James W. Stark, III; Mike Stoll; Tim Gauvin; Geoffrey R. Williams; Krishna Kota - Web page: https://patentgrep.com/patent/US20140195395A1 ## CPC - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved. ## Claims ### Claim 1 A method, comprising: determining, by at least one computer, a defect in a financial transaction, wherein the defect is based, at least in part, on a historical pattern of defects obtained from accumulated historical transaction information; determining, by the at least one computer, a service level feature of a bank account associated with the financial transaction, the service level feature differentiating between a first level of service having a first feature and a second level of service having a second feature different than the first feature; selecting, based on the service level, whether to provide a current status of resolution of the defect or to wait until a next scheduled notification time; and sending, by the at least one computer, information identifying the current status either in response to said selecting or at the next scheduled notification time, depending upon an outcome of said selecting ### Claim 2 (depends on 1) The method of claim 1, wherein said sending comprises displaying the information on a web site. ### Claim 3 (depends on 1) The method of claim 1, wherein said sending comprises sending a text message containing the information to a cellular phone. ### Claim 4 (depends on 1) The method of claim 1, further comprising: receiving a message from a customer of the bank account; and making a change to the financial transaction in accordance with the message. ### Claim 5 (depends on 1) The method of claim 1, wherein the information depends upon the service level. ### Claim 6 A method, comprising: determining, by at least one computer, a defect in a financial transaction; determining, by the at least one computer, a service level of a bank account associated with the financial transaction; selecting, based on the service level, whether to provide a current status of resolution of the defect or to wait until a next scheduled notification time; and sending, by the at least one computer, information identifying the current status either in response to said selecting or at the next scheduled notification time, depending upon an outcome of said selecting. ### Claim 7 (depends on 6) The method of claim 6, wherein said sending comprises displaying the information on a web site. ### Claim 8 (depends on 6) The method of claim 6, wherein said sending comprises sending a text message containing the information to a cellular phone. ### Claim 9 (depends on 6) The method of claim 6, further comprising: receiving a message from a customer of the bank account; and making a change to the financial transaction in accordance with the message. ### Claim 10 (depends on 6) The method of claim 6, wherein the information depends upon the service level. ### Claim 11 A method, comprising: determining, by at least one computer, a defect in a financial transaction; determining, by the at least one computer, whether a service level of a bank account associated with the financial transaction corresponds to a first level of service and a second level of service; and in response to an update to a current status of a resolution to the defect: selecting, based on the service level, whether to provide a current status of resolution of the defect or to wait until a next scheduled notification time, and sending, by the at least one computer, information identifying the current status either in response to said selecting or at the next scheduled notification time, depending upon an outcome of said selecting. ### Claim 12 (depends on 11) The method of claim 11, wherein said sending comprises displaying the information on a web site. ### Claim 13 (depends on 11) The method of claim 11, wherein said sending comprises sending a text message containing the information to a cellular phone. ### Claim 14 (depends on 11) The method of claim 11, further comprising: receiving a message from a customer of the bank account; and making a change to the financial transaction in accordance with the message. ### Claim 15 (depends on 11) The method of claim 11, wherein the information depends upon the service level. ### Claim 16 (depends on 1) The method of claim 1, comprising associating, by the at least one computer, the service level to the bank account. ### Claim 17 (depends on 1) The method of claim 1, further comprising offering, by the computer device, two or more service levels to a customer of the bank account, wherein each of the two or more service levels corresponds to different features associated with the bank account. ### Claim 18 (depends on 1) The method of claim 1, further comprising, determining, by the computer device, wherein the financial transaction and the historical pattern of defects correspond to the same customer of the bank account.