US 11,928,661 B2
Authentication framework for real-time document processing
Tony England, Tega Cay, SC (US); and Stephen Philip Selfridge, Huntersville, NC (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Nov. 12, 2021, as Appl. No. 17/525,081.
Application 17/525,081 is a continuation of application No. 16/683,327, filed on Nov. 14, 2019, granted, now 11,232,454.
Prior Publication US 2022/0076265 A1, Mar. 10, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 10/00 (2023.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06V 30/40 (2022.01); G06V 30/10 (2022.01)
CPC G06Q 20/204 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/3227 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/4037 (2013.01); G06V 30/40 (2022.01); G06V 30/10 (2022.01)] 20 Claims
OG exemplary drawing
 
1. A system for real-time payment instrument processing and reconciliation of a payment instrument at a merchant point-of-sale system within an authentication framework, the system comprising:
at least one non-transitory storage device; and
at least one processing device coupled to the at least one non-transitory storage device, wherein the at least one processing device is configured to:
receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument, wherein the payment instrument is associated with a user;
extract, using optical character recognition, payment instrument data from the payment instrument, wherein the payment instrument data comprises at least a payment amount;
determine an authentication level of the user;
determine that the authentication level of the user does not meet an authentication requirement level associated with the processing of the payment instrument based on at least the payment instrument data;
determine that a financial institution account of the user and a financial institution account of the merchant are associated with the same financial institution;
downgrade the authentication requirement level associated with the processing of the payment instrument from a first level to a second level, wherein meeting the second level of the authentication requirement level comprises requiring at least a reduced number of one or more authentication credentials from the user compared to the number of one or more authentication credentials required by the first level;
receive one or more authentication credentials from the user to endorse the payment instrument;
determine that the one or more authentication credentials meets the second level of the authentication requirement level; and
process, in real-time, the payment instrument based on at least determining that the one or more authentication credentials meet the second level of authentication requirement, wherein processing further comprises transferring the payment amount from a financial institution account associated with the user to a financial institution account associated with the merchant.