Terri Rigazio Wright

US Patent:

20230053242, Feb 16, 2023

Filed:

Aug 16, 2021

Appl. No.:

17/403392

Inventors:

- Charlotte NC, US
Terri Smith Wright - Mooresville NC, US
Ashok Kandukuri - Charlotte NC, US
Ramya Ramani Satheeshkumar - Hockessin DE, US
Catherine Ellen Donze - Phoenix AZ, US
Michael Shih - Cherry Hill NJ, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/40
G06Q 20/42
G06Q 40/02
G06Q 20/38
G06Q 20/10

Abstract:

Systems, methods, and computer program products are provided for validating a deposit request. The method includes receiving a deposit request from a user device. The deposit request includes a deposit transaction information relating to an intended deposit. The method also includes determining a deposit transaction confidence level based on the deposit transaction information. The deposit transaction confidence level indicates a likelihood of the intended deposit being perfected. The method further includes causing a transmission of an audit request to the user device relating to the deposit request upon determining the deposit transaction confidence level is below a confidence level threshold. The audit request includes a request to confirm one or more details relating to the deposit request. The method still further includes determining a deposit determination based on a response to the audit response. The deposit determination indicates whether the intended deposit will be executed.