Predictive determination and processing of resources over a distributed network
AssigneeBank of America Corporation
InventorsAmit Kumar, Deborah A. Copes
Life of this patent
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Abstract
Embodiments of the present invention provide for improving the capacity, speed, confidence, and efficiency of processing systems for processing resources instruments by utilizing predictive determination of resource instrument information from one or more resource instruments. As such, while processing resource instruments, instead of capturing all of the resource instrument information from the resource instruments, the present invention utilizes predictive determination of the resource instrument information in order to reduce the processing capacity needed, the processing run-times, processing errors, and unnecessary processing depending on the resource instruments and/or resource processing channels being used.
Claims20
A system for improving processing of resource instruments by utilizing predictive determination of resource information from resource instruments through a distributed network of systems, the system comprising:
- one or more memory devices storing computer-readable code;
- and
- one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute the computer-readable code to:
- electronically receive a user authentication request to identify a user, wherein the user authentication request includes a user identifier;
- electronically identify the user based on the user identifier;
- electronically receive a resource transfer request for one or more resource transfers associated with one or more resource instruments;
- electronically automatically determine a predictive portion of resource instrument information associated with the one or more resource instruments, wherein the predicative portion of resource instrument information is based on the user identifier;
- electronically receive a captured portion of resource instrument information associated with the one or more resource instruments, wherein the captured portion of resource instrument information is captured from an information capture device;
- and
- electronically process the one or more resource transfers for the one or more resource instruments utilizing the predictive portion of resource instrument information and the captured portion of resource instrument information.
A method for improving processing of resource instruments by utilizing predictive determination of resource information from resource instruments through a distributed network of systems, the method comprising:
- electronically receiving, by one or more processing devices, a user authentication request to identify a user, wherein the user authentication request includes a user identifier;
- electronically identifying, by the one or more processing devices, the user based on the user identifier;
- electronically receiving, by the one or more processing devices, a resource transfer request for one or more resource transfers associated with one or more resource instruments;
- electronically automatically determining, by the one or more processing devices, a predictive portion of resource instrument information associated with the one or more resource instruments, wherein the predicative portion of resource instrument information is based on the user identifier;
- electronically receiving, by the one or more processing devices, a captured portion of resource instrument information associated with the one or more resource instruments, wherein the captured portion of resource instrument information is captured from an information capture device;
- and
- electronically processing, by the one or more processing devices, the one or more resource transfers for the one or more resource instruments utilizing the predictive portion of resource instrument information and the captured portion of resource instrument information.
A computer program product for improving processing of resource instruments by utilizing predictive determination of resource information from resource instruments through a distributed network of systems, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
- an executable portion configured to electronically receive a user authentication request to identify a user, wherein the user authentication request includes a user identifier;
- an executable portion configured to electronically identify the user based on the user identifier;
- an executable portion configured to electronically receive a resource transfer request for one or more resource transfers associated with one or more resource instruments;
- an executable portion configured to electronically automatically determine a predictive portion of resource instrument information associated with the one or more resource instruments, wherein the predicative portion of resource instrument information is based on the user identifier;
- an executable portion configured to electronically receive a captured portion of resource instrument information associated with the one or more resource instruments, wherein the captured portion of resource instrument information is captured from an information capture device;
- and
- an executable portion configured to electronically process the one or more resource transfers for the one or more resource instruments utilizing the predictive portion of resource instrument information and the captured portion of resource instrument information.
Dependencies are inferred from the claim text.