US 9,811,857 B2
Document calculator
Christina Jasko, Allendale, NJ (US); Brandon Kane, Philadelphia, PA (US); Albert R. Lupcho, III, Jacksonville, FL (US); Arvind Srinivasan Ramakrishnan, West Windsor, NJ (US); Kelly Ur, East Brunswick, NJ (US); Jill Weber, Chatham, NJ (US); and John J. Wilson, Madison, NJ (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Mar. 27, 2014, as Appl. No. 14/227,882.
Prior Publication US 2015/0278939 A1, Oct. 1, 2015
Int. Cl. G06Q 40/00 (2012.01); G06Q 40/02 (2012.01)
CPC G06Q 40/02 (2013.01) 20 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving a request to enroll a user in a product or service provided by an institution;
determining, by a computing device, a first document used for the product or service;
determining, by the computing device, whether the user has the first document used for the product or service on file with the institution;
in response to determining that the user does not have the first document used for the product or service on file with the institution, generating a status identifier for the first document, wherein the status identifier indicates that the user is missing the first document;
comparing a second document on file for the user to the first document;
based on the comparing, determining that the second document is equivalent to the first document;
determining whether the second document is valid by automatically analyzing, using image recognition, a signature contained within the second document, wherein using image recognition comprises determining that the signature contained within the second document matches a trusted signature associated with the user;
in response to determining that the second document is equivalent to the first document and that the second document is valid, changing the status identifier for the first document to indicate that the user has the first document on file;
receiving, by the computing device and from an electronic calendar, data indicating that the user will be at a location associated with the institution at a particular time;
based on the received data, determining, by the computing device, that the user is at the institution at the particular time; and
in response to determining that the user is at the institution, transmitting, by the computing device and to a second computing device at the location associated with the institution, a third document used for the product or service, wherein the user does not have the third document on file with the institution.