Debbie Michelle Adams

US Patent:

20150262290, Sep 17, 2015

Filed:

Mar 11, 2014

Appl. No.:

14/203748

Inventors:

- Charlotte NC, US
Debbie J. Adams - Charlotte NC, US
David Bohn - Chicago IL, US
Jeffrey R. Goertz - Kansas City MO, US
Janice A. Melanson - Willmington MA, US
John E. Scully - Chicago IL, US
Ken L. Snellings - Charlotte NC, US
Billy Scott Tapp - Scurry TX, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/02

Abstract:

Apparatus for executing a method to determine whether or not a service request is eligible for straight through processing is provided. The apparatus may receive a service request from an online banking portal. The service request may include an adjustment value. The adjustment value may be a numerical difference between a first value of a check deposited in a customer account and a second value of a check entered into the online banking portal. The service request may also include a time of day during which the service request was requested and/or completed. The apparatus may determine if the adjustment value is less than a threshold value. If the adjustment value is less than the threshold value, the apparatus may transmit the service request to a straight through processing platform and to electronically display on the online banking portal a soft post notifying a user of a credit.