# US 2019/0172022 A1 · Payment instrument validation and processing

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- Number: US 2019/0172022 A1
- Document ID: US20190172022A1
- Status: Published application
- Kind: A1
- Application number: 16/170,861
- Filed: 2018-10-25
- Published: 2019-06-06
- Earliest claimed: 2014-08-29
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: James Kevin Benton; Mark David Felse; Sarah Catherine Christine; John Barrett Hall; Michael J. Pepe, JR.; Kerry Kurt Simpkins
- Web page: https://patentgrep.com/patent/US20190172022A1

## CPC

- G06Q 20/042: {characterized in that the payment protocol involves at least one cheque}
- G06F 18/22: Matching criteria, e.g. proximity measures
- G06Q 20/027: {involving a payment switch or gateway}
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/14: specially adapted for billing systems
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06V 10/75: Organisation of the matching processes, e.g. simultaneous or sequential comparisons of image or video features; Coarse-fine approaches, e.g. multi-scale approaches; using context analysis; Selection of dictionaries
- G06V 30/2253: {Recognition of characters printed with magnetic ink (G06V30/2247 takes precedence)}
- G06V 30/413: Classification of content, e.g. text, photographs or tables
- G06V 30/416: Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING

## Abstract

Embodiments of the present invention provide apparatuses and methods that help validate and process payment instruments for different products, such as but not limited to credit card payments, mortgage payments, or any other type of payment. The payment amount from a payment instrument may be determined from a multiple locations on the payment instrument. In addition, a payment amount may be determined from a remittance document that accompanies the payment instrument, such as a remittance coupon that is mailed along with a check. The amount in the remittance courtesy box, the minimum amount due, the last payment made, and the full balance remaining may all be captured and used to validate the amount on the payment instrument. Moreover, one or more confidence scores for the amounts on the payment instrument and remittance document may be used to validate the payment amount.

## Claims

### Claim 1

A system for providing validation and processing of a plurality of payments using a plurality of payment instruments and a plurality of remittance documents, the system comprising:
one or more memory devices; 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 computer-readable program code to:
receive a plurality of payment instrument images, wherein the plurality of payment instrument images are captured from the plurality of payment instruments by a payment instrument reader;
identify a payment instrument final amount for each of the plurality of payment instruments from each of the plurality of payment instruments images of each of the plurality of payment instruments;
receive a plurality of remittance document images, wherein the plurality of remittance document images are captured from each of the plurality of remittance documents associated with each of the plurality of payment instruments by a remittance document reader;
access account information associated with the plurality of remittance documents by accessing financial institution systems;
identify a remittance courtesy amount, a remittance full payment amount, a remittance minimum payment amount, and a remittance last payment amount for each of the plurality of remittance documents, wherein the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount are identified from each of the plurality of remittance document images or from the account information stored on the financial institution systems;
route the plurality of payments for verification when the payment instrument final amount does not equal any one of the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount;
identify a payment instrument final confidence score when the payment instrument final amount equals one of the one of the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount; and
route the plurality of payments for verification or posting based on when the payment instrument final amount of each of the plurality of payments equals the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, or the remittance last payment amount associated with each of the plurality of payments, and based on the payment instrument final confidence score.

### Claim 2 (depends on 1)

The system of claim 1, wherein the payment instrument final amount is determined from a courtesy box amount and a legal line amount on the payment instrument.

### Claim 3 (depends on 1)

The system of claim 1, wherein when the payment instrument final amount of a payment is equal to the remittance courtesy amount:
the payment is routed for verification when the payment instrument final confidence score for the payment is less than a first threshold payment instrument final confidence score;
the payment is routed for posting when the payment instrument final confidence score for the payment is greater than a second threshold payment instrument final confidence score;
the payment is routed based on a remittance courtesy confidence score when the payment instrument final confidence score for the payment is greater than the first threshold payment instrument final confidence score but less than the second threshold payment instrument final confidence score, and wherein the payment is routed for:
posting when the remittance courtesy confidence score is greater than a third remittance courtesy confidence score threshold; and
verification when the remittance courtesy confidence score is less than a fourth remittance courtesy confidence score threshold.

### Claim 4 (depends on 1)

The system of claim 1, wherein when the payment instrument final amount of a payment is equal to the remittance full payment amount:
the payment is routed for posting when the payment instrument final confidence score for the payment is greater than a fifth threshold payment instrument final confidence score;
the payment is routed based on a remittance full payment confidence score when the payment instrument final confidence score for the payment is less than a sixth threshold payment instrument confidence score, and wherein the payment is routed for
posting when the remittance full payment confidence score is greater than a seventh remittance full payment confidence score threshold; and
verification when the remittance full payment confidence score is less than an eighth remittance full payment confidence score threshold.

### Claim 5 (depends on 1)

The system of claim 1, wherein when the payment instrument final amount of a payment is equal to the remittance minimum payment amount:
the payment is routed for verification when the payment instrument final confidence score for the payment is less than a tenth threshold payment instrument final confidence score; and
the payment is routed for posting when the payment instrument final confidence score for the payment is greater than a ninth threshold payment instrument final confidence score.

### Claim 6 (depends on 1)

The system of claim 1, wherein when the payment instrument final amount of a payment is equal to the remittance last payment amount:
the payment is routed for verification when the payment instrument final confidence score for the payment is less than a twelfth threshold payment instrument final confidence score; and
the payment is routed for posting when the payment instrument final confidence score for the payment is greater than an eleventh threshold payment instrument final confidence score.

### Claim 7 (depends on 1)

The system of claim 1, wherein when a payment from the plurality of payments is routed to validation, the one or more processing devices are further configured to execute computer-readable program code to:
receive a keyed value;
determine when the keyed value is equal to the payment instrument final amount;
determine payment instrument final amount confidence score;
route the payment to posting when the payment instrument final amount confidence score is greater than a threshold value;
route the payment for escalation when the payment instrument final amount confidence score is less than the threshold value.

### Claim 8 (depends on 1)

The system of claim 1, wherein when a payment from the plurality of payments is routed to validation, the one or more processing devices are further configured to execute computer-readable program code to:
receive a keyed value;
determine when the keyed value is not equal to the payment instrument final amount; and
determine when the keyed value is equal to the remittance full payment amount and route the payment to posting.

### Claim 9 (depends on 1)

The system of claim 1, wherein when a payment from the plurality of payments is routed to validation, the one or more processing devices are further configured to execute computer-readable program code to:
receive a keyed value;
determine when the keyed value is not equal to the payment instrument final amount and not equal to the remittance full payment amount;
determine when the keyed value is equal to the remittance last payment amount and route the payment to posting; and
determine when the keyed value is equal to the remittance last payment amount and route the payment to a second keying process.

### Claim 10

A computer program product for providing validation and processing of a plurality of payments using a plurality of payment instruments and a plurality of remittance documents, 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 for receiving a plurality of payment instrument images, wherein the plurality of payment instrument images are captured from the plurality of payment instruments by a payment instrument reader;
an executable portion configured for identifying a payment instrument final amount for each of the plurality of payment instruments from each of the plurality of payment instruments images of each of the plurality of payment instruments;
an executable portion configured for receiving a plurality of remittance document images, wherein the plurality of remittance document images are captured from each of the plurality of remittance documents associated with each of the plurality of payment instruments by a remittance document reader;
an executable portion configured for accessing account information associated with the plurality of remittance documents by accessing financial institution systems;
an executable portion configured for identifying a remittance courtesy amount, a remittance full payment amount, a remittance minimum payment amount, and a remittance last payment amount for each of the plurality of remittance documents, wherein the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount are identified from each of the plurality of remittance document images or from the account information stored on the financial institution systems;
an executable portion configured for route the plurality of payments for verification when the payment instrument final amount does not equal any one of the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount;
an executable portion configured for identifying a payment instrument final confidence score when the payment instrument final amount equals one of the one of the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount; and
an executable portion configured for routing the plurality of payments for verification or posting based on when the payment instrument final amount of each of the plurality of payments equals the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, or the remittance last payment amount associated with each of the plurality of payments, and based on the payment instrument final confidence score.

### Claim 11 (depends on 10)

The computer program product of claim 10, wherein the payment instrument final amount is determined from a courtesy box amount and a legal line amount on the payment instrument.

### Claim 12 (depends on 10)

The computer program product of claim 10, wherein the computer-readable program code portions further comprises:
an executable portion configured for determining when the payment instrument final amount of a payment is equal to the remittance courtesy amount; and
routing the payment for verification when the payment instrument final confidence score for the payment is less than a first threshold payment instrument final confidence score;
routing the payment for posting when the payment instrument final confidence score for the payment is greater than a second threshold payment instrument final confidence score;
routing the payment based on a remittance courtesy confidence score when the payment instrument final confidence score for the payment is greater than the first threshold payment instrument final confidence score but less than the second threshold payment instrument final confidence score, and wherein the payment is routed for:
posting when the remittance courtesy confidence score is greater than a third remittance courtesy confidence score threshold; and
verification when the remittance courtesy confidence score is less than a fourth remittance courtesy confidence score threshold.

### Claim 13 (depends on 10)

The computer program product of claim 10, wherein the computer-readable program code portions further comprises:
an executable portion configured for determining when the payment instrument final amount of a payment is equal to the remittance full payment amount; and
routing the payment for posting when the payment instrument final confidence score for the payment is greater than a fifth threshold payment instrument final confidence score;
routing the payment based on a remittance full payment confidence score when the payment instrument final confidence score for the payment is less than a sixth threshold payment instrument confidence score, and wherein the payment is routed for:
posting when the remittance full payment confidence score is greater than a seventh remittance full payment confidence score threshold; and
verification when the remittance full payment confidence score is less than an eighth remittance full payment confidence score threshold.

### Claim 14 (depends on 10)

The computer program product of claim 10, wherein the computer-readable program code portions further comprises:
an executable portion configured for determining when the payment instrument final amount of a payment is equal to the remittance minimum payment amount; and
routing the payment for verification when the payment instrument final confidence score for the payment is less than a tenth threshold payment instrument final confidence score; and
routing the payment for posting when the payment instrument final confidence score for the payment is greater than a ninth threshold payment instrument final confidence score.

### Claim 15 (depends on 10)

The computer program product of claim 10, wherein the computer-readable program code portions further comprises:
an executable portion configured for determining when the payment instrument final amount of a payment is equal to the remittance last payment amount; and
routing the payment for verification when the payment instrument final confidence score for the payment is less than a twelfth threshold payment instrument final confidence score; and
routing the payment for posting when the payment instrument final confidence score for the payment is greater than an eleventh threshold payment instrument final confidence score.

### Claim 16 (depends on 10)

The computer program product of claim 10, wherein when a payment from the plurality of payments is routed to validation, the computer-readable program code portions further comprise:
an executable portion configured for receiving a keyed value;
an executable portion configured for determining when the keyed value is equal to a payment instrument final amount;
an executable portion configured for determining payment instrument final amount confidence score;
an executable portion configured for routing the payment to posting when the payment instrument final amount confidence score is greater than a threshold value;
an executable portion configured for routing the payment for escalation when the payment instrument final amount confidence score is less than the threshold value.

### Claim 17 (depends on 10)

The computer program product of claim 10, wherein when a payment from the plurality of payments is routed to validation, the computer-readable program code portions further comprise:
an executable portion configured for receiving a keyed value;
an executable portion configured for determining when the keyed value is not equal to the payment instrument final amount;
an executable portion configured for determining when the keyed value is equal to the remittance full payment amount; and
an executable portion configured for routing the payment to posting in response to determining when the keyed value is not equal to the payment instrument final amount and when the keyed value is equal to the remittance full payment amount.

### Claim 18 (depends on 10)

The computer program product of claim 10, wherein when a payment from the plurality of payments is routed to validation, the computer-readable program code portions further comprise:
an executable portion configured for receiving a keyed value;
an executable portion configured for determining when the keyed value is not equal to the payment instrument final amount and not equal to the remittance full payment amount;
an executable portion configured for determining when the keyed value is equal to the remittance last payment amount and routing the payment to posting; and
an executable portion configured for determining when the keyed value is not equal to the remittance last payment amount and routing the payment to a second keying process.

### Claim 19

A method for providing validation and processing of a plurality of payments using a plurality of payment instruments and a plurality of remittance documents, the method comprising:
receiving, by one or more processing devices, a plurality of payment instrument images, wherein the plurality of payment instrument images are captured from the plurality of payment instruments by a payment instrument reader;
identifying, by the one or more processing devices, a payment instrument final amount for each of the plurality of payment instruments from each of the plurality of payment instruments images of each of the plurality of payment instruments;
receiving, by the one or more processing devices, a plurality of remittance document images, wherein the plurality of remittance document images are captured from each of the plurality of remittance documents associated with each of the plurality of payment instruments;
accessing, by the one or more processing devices, account information associated with the plurality of remittance documents by accessing financial institution systems;
identifying, by the one or more processing devices, a remittance courtesy amount, a remittance full payment amount, a remittance minimum payment amount, and a remittance last payment amount for each of the plurality of remittance documents, wherein the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount are identified from each of the plurality of remittance document images or from the account information stored on the financial institution systems;
routing, by the one or more processing devices, the plurality of payments for verification when the payment instrument final amount does not equal any one of the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount;
identifying, by the one or more processing devices, a payment instrument final confidence score when the payment instrument final amount equals one of the one of the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, and the remittance last payment amount; and
routing, by the one or more processing devices, the plurality of payments for verification or posting based on when the payment instrument final amount of each of the plurality of payments equals the remittance courtesy amount, the remittance full payment amount, the remittance minimum payment amount, or the remittance last payment amount associated with each of the plurality of payments, and based on the payment instrument final confidence score.

### Claim 20 (depends on 19)

The method of claim 19, wherein the payment instrument final amount is determined from a courtesy box amount and a legal line amount on the payment instrument.