公开(公告)号：US07384040B2

公开(公告)日：2008-06-10

申请号：US11186234

申请日：2005-07-20

Applicant: Corey Dean Tunink ,  Timothy J. Walpus ,  Jeffery G. Nowlin ,  Jay E. Greene, III

Inventor： Corey Dean Tunink ,  Timothy J. Walpus ,  Jeffery G. Nowlin ,  Jay E. Greene, III

IPC: B65H7/12

CPC classification number: B65H1/02 ,  B42C1/10 ,  B65H3/0808 ,  B65H3/44 ,  B65H3/48 ,  B65H5/062 ,  B65H7/12 ,  B65H39/042 ,  B65H2301/3113 ,  B65H2301/321 ,  B65H2301/342 ,  B65H2511/13 ,  B65H2511/20 ,  B65H2511/30 ,  B65H2511/51 ,  B65H2511/524 ,  B65H2515/342 ,  B65H2553/21 ,  B65H2553/61 ,  B65H2553/612 ,  B65H2220/01 ,  B65H2220/03 ,  B65H2220/11

Abstract: A delivery system comprises a frame, and a plurality of hoppers attachable to the frame in a vertically spaced apart arrangement. The hoppers are each configured to hold a plurality of sheet-like materials. At least one upper belt is movably coupled to the frame, with the belt being configured to move the sheet-like materials downward from the hoppers. At least one contact roller is disposed below each hopper, and at least one suction apparatus that is associated with each hopper. A moving system is configured to move the suction apparatus toward and away from the hopper to grasp and remove one of the sheet-like materials from the hopper, and to move the removed sheet-like material downward until grabbed by the contact roller.

Abstract translation: 输送系统包括框架和可以竖直间隔布置地附接到框架的多个料斗。 料斗各自构造成保持多个片状材料。 至少一个上带可移动地联接到框架，带被配置为使片状材料从料斗向下移动。 至少一个接触辊设置在每个料斗的下方，以及至少一个与每个料斗相关联的抽吸装置。 移动系统构造成使抽吸装置朝向和远离料斗移动，以从料斗中抓取并移除片状材料中的一种，并将移除的片状材料向下移动，直到由接触辊抓住。

公开(公告)号：US20080116283A1

公开(公告)日：2008-05-22

申请号：US11551063

申请日：2006-10-19

Applicant: Keith A. Newbrough ,  Peter C. Robbins

Inventor： Keith A. Newbrough ,  Peter C. Robbins

IPC: G06K19/00 ,  G06K5/00 ,  G06K19/06

CPC classification number: G07F7/086 ,  B67B7/16 ,  G06Q20/342 ,  G07F7/025

Abstract: Systems and methods provide multi-use electronic payment arrangements to consumers for executing electronic payment transactions. Embodiments of these payment arrangements may offer added convenience and security for consumers and merchants by integrating payment devices with more useful presentation instruments.

Abstract translation: 系统和方法向消费者提供用于执行电子支付交易的多用途电子支付安排。 这些支付安排的实施例可以通过将支付设备与更有用的呈现工具集成来为消费者和商家提供额外的便利和安全性。

公开(公告)号：US20080116268A1

公开(公告)日：2008-05-22

申请号：US12025258

申请日：2008-02-04

Applicant: Amy Swift ,  Lisa Tidwell ,  Cassandra Mollett

Inventor： Amy Swift ,  Lisa Tidwell ,  Cassandra Mollett

IPC: G06K15/00 ,  G06Q20/00

CPC classification number: G06Q20/04 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/403 ,  G07F7/04

Abstract: The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant system associates presentation of the payment device with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor capable of settling electronic debit transactions.

Abstract translation: 本发明包括商业系统，其几乎可以识别使用电子支票处理作为支付机制的任何支付设备或技术。 例如，商家系统将支付装置的显示与用于电子借记诸如MICR数据的支票账户的信息相关联，并将其提交给能够结算电子借记交易的交易处理器。

公开(公告)号：US07363105B2

公开(公告)日：2008-04-22

申请号：US11752876

申请日：2007-05-23

Applicant: Scott J. Smith ,  Jeffery G. Nowlin ,  Jay E. Greene, III ,  Mark T. Tonack

Inventor： Scott J. Smith ,  Jeffery G. Nowlin ,  Jay E. Greene, III ,  Mark T. Tonack

IPC: G06F7/00

CPC classification number: G06Q10/08 ,  B43M3/045 ,  B65H39/00 ,  B65H2511/40 ,  B65H2511/415 ,  B65H2513/40 ,  G07B2017/00491 ,  B65H2220/01 ,  B65H2220/03

Abstract: According to the invention, an insertion system for collating sheets of printed material for insertion into an envelope is disclosed. The insertion system includes an insertion machine, application software and an operating system. Included in the application software is a first function and a second function, where the first function performs tracking for each packet and the second function controls operation of the insertion machine. Each packet includes a plurality of pieces of printed material that may ultimately be sealed in an envelope. The operating system runs the application software at any given instant and executes the first and second functions.

Abstract translation: 根据本发明，公开了一种用于整理用于插入外壳的印刷材料的片材的插入系统。 插入系统包括插入机，应用软件和操作系统。 包括在应用软件中的是第一功能和第二功能，其中第一功能对每个分组执行跟踪，第二功能控制插入机的操作。 每个分组包括可以最终密封在信封中的多个打印材料片。 操作系统在任何给定的时刻运行应用软件，执行第一和第二功能。

公开(公告)号：US07354004B2

公开(公告)日：2008-04-08

申请号：US11265530

申请日：2005-11-01

Applicant: Tonya Andersen ,  Karen Kaukol ,  Deborah Rex ,  Gary Jeffords

Inventor： Tonya Andersen ,  Karen Kaukol ,  Deborah Rex ,  Gary Jeffords

IPC: G06K19/00

CPC classification number: G07F7/1008 ,  G06Q10/0875 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/208 ,  G06Q20/341 ,  G06Q20/3558 ,  G07F7/08 ,  G07F7/127

Abstract: A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier, wherein the purchase card has an account identifier associated therewith and has a card indicium affixed thereto, wherein the purchase card includes a machine-readable information encoding region into which the account identifier is encoded, and wherein the card carrier has a carrier indicium affixed thereto; populating a database with a stored card indicium that relates to the card indicium, a stored carrier indicium that relates to the carrier indicium, and a stored account identifier that relates to the account identifier, thereby uniquely coupling the account identifier to the card indicium; at a point-of-sale device and in response to a customer request to purchase the purchase card, entering information from the card indicium into the point-of-sale device; at the point-of-sale device, entering information from the carrier indicium into the point-of-sale device; comparing the information from the card indicium and the information from the carrier indicium with the stored card indicium and the stored carrier indicium; and based at least in part on the comparing step, activating the card by associating value to it.

Abstract translation: 验证和激活购买卡的方法包括提供可拆卸地附接到卡片运营商的购买卡，其中购买卡具有与其相关联的帐户标识符并且具有附加到其上的卡片标记，其中购买卡包括机器可读 信息编码区域，其中所述帐户标识符被编码到其中，并且其中所述卡片载体具有附加到其上的载体标签; 使用与卡标记相关的存储卡标记填充数据库，与载体标记相关的存储的载体标记和与帐户标识相关的存储的帐户标识符，从而将帐户标识符唯一地耦合到卡标记; 在销售点设备上并且响应于客户购买购买卡的请求，将信息从卡片标记输入到销售点设备; 在销售点设备处，将从运营商标签的信息输入到销售点设备; 将来自卡片标记的信息和来自载体标签的信息与存储的卡片标记和存储的载体标签进行比较; 并且至少部分地基于比较步骤，通过将值与其相关联来激活卡。

公开(公告)号：US20080071684A1

公开(公告)日：2008-03-20

申请号：US11857309

申请日：2007-09-18

Applicant: Jason Marshall ,  Chris Schmid ,  Howard Caven ,  Wanda Hayden ,  Anne Cusimano

Inventor： Jason Marshall ,  Chris Schmid ,  Howard Caven ,  Wanda Hayden ,  Anne Cusimano

IPC: G06Q40/00

CPC classification number: G06Q20/042 ,  G06Q40/02

Abstract: A check acceptance method for transmitting the check return fee information that applies to a check submitted by a customer. A host computer can transmit for use by a client computer the return fee that will apply to a transaction if a check is returned for insufficient funds. In addition, a return fee note field can be used to transmit explanatory notes that are used to explain non-flat fee charges that will apply.

Abstract translation: 用于发送适用于客户提交的支票的支票申报费信息的支票验收方法。 如果由于资金不足而返回支票，则主计算机可以由客户端计算机传送将用于交易的返还费用。 此外，还可以使用退货单字段来发送用于解释适用的非固定费用的说明说明。

公开(公告)号：US07346652B2

公开(公告)日：2008-03-18

申请号：US10144196

申请日：2002-05-13

Applicant: Rebecca Berrigan ,  John S. Harpour

Inventor： Rebecca Berrigan ,  John S. Harpour

IPC: G06F15/16 ,  G06F15/167 ,  G06F17/30

CPC classification number: G06F17/2725 ,  G06F17/243

Abstract: A system, method and computer readable medium for providing asynchronous validation of data entered into a field within a user interface is described. The method on a client information processing system provides two or more fields for entry of data within a client application. A field is a text field, button, menu or any other graphical user interface widget for entering data. Data entered into a first field is received. The client application automatically initiates the determination of whether the data entered into the first field is valid while concurrently allowing entry of data into other fields. This determination may be made in conjunction with a server application on a remote server information processing system. This step is repeated for all fields provided. Upon a finding that all data entered into the two or more fields is valid, the entered data is provided to the server information processing system.

Abstract translation: 描述了用于提供对输入到用户界面内的字段的数据的异步验证的系统，方法和计算机可读介质。 客户端信息处理系统上的方法为客户端应用程序中的数据输入提供两个或多个字段。 字段是文本字段，按钮，菜单或用于输入数据的任何其他图形用户界面小部件。 接收到输入第一个字段的数据。 客户端应用程序自动启动确定输入第一个字段的数据是否有效，同时允许数据输入到其他字段。 可以结合远程服务器信息处理系统上的服务器应用来进行该确定。 为所有提供的字段重复此步骤。 在发现输入到两个或多个字段中的所有数据有效时，将输入的数据提供给服务器信息处理系统。

公开(公告)号：US07340423B1

公开(公告)日：2008-03-04

申请号：US09298521

申请日：1999-04-23

Applicant: Lynn Holm Blagg ,  Darren D. Beck

Inventor： Lynn Holm Blagg ,  Darren D. Beck

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q99/00

Abstract: Defining a relationship between an account and a group. Accounts corresponding to different products are linked together to create a group so that group processing can be performed at the group level while independent processing of the accounts is performed at the account level. The relationship between a dependent account and the group is specified by a dependent strategy. A dependent strategy specifies group level processing options for the account. The relationships between the accounts and the group are flexible to accommodate changes in the status of the group cardholders.

Abstract translation: 定义帐户和组之间的关系。 与不同产品相对应的帐户链接在一起，以创建一个组，以便可以在组级别执行组处理，而在帐户级执行独立处理的帐户。 从属帐户与组之间的关系由依赖策略指定。 依赖策略指定帐户的组级处理选项。 帐户和组之间的关系是灵活的，以适应组持卡人状态的变化。

公开(公告)号：US20080046368A1

公开(公告)日：2008-02-21

申请号：US11925629

申请日：2007-10-26

Applicant: Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

Inventor： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

IPC: G06Q40/00

CPC classification number: G06Q20/4016 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q40/025

Abstract: Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments. The systems and methods make use of information about authenticating marks, such as watermarks, bar codes, insignia, background patterns, and the like, from a check in order to better assess the legitimacy and cashability of the check. In various embodiments, information about an authenticating mark may be compared to stored information about an expected configuration for the authenticating mark. In various embodiments, a gradated risk score may be generated based at least in part on the comparison. In various embodiments, the risk score may be combined with risk scores that are descriptive of other aspects of a check cashing transaction to calculate a risk score for the transaction as a whole. In some embodiments, the transaction risk score may be used to generate an accept/decline recommendation for the transaction.

Abstract translation: 描述了系统和方法，以更好地评估与第二方支票和其他可转让票据相关的风险。 系统和方法从支票中使用关于认证标记的信息，例如水印，条形码，徽章，背景图案等，以便更好地评估支票的合法性和可现金性。 在各种实施例中，关于认证标记的信息可以与存储关于认证标记的期望配置的信息进行比较。 在各种实施例中，可以至少部分地基于比较来生成分级风险评分。 在各种实施例中，风险评分可以与描述检查兑现交易的其他方面的风险评分相结合，以计算整个交易的风险评分。 在一些实施例中，交易风险分数可用于为交易产生接受/拒绝推荐。

公开(公告)号：US07329824B2

公开(公告)日：2008-02-12

申请号：US10673061

申请日：2003-09-26

Applicant: Jennifer Chamblee ,  John Mottola ,  Kwun Ng

Inventor： Jennifer Chamblee ,  John Mottola ,  Kwun Ng

IPC: B07C5/00

CPC classification number: B07C3/00 ,  Y10S209/90

Abstract: A mail processing system includes a plurality of trays that are each adapted to hold a plurality of mail items. The mail items in a tray are directed to a common recipient. The system also includes a plurality of mail processing machines that are adapted to process the mail items. The different mail items may take different processing paths through the plurality of mail processing machines. The system also includes a tray tag generator that is configured to produce tray tags. Each of the plurality of trays is associated with a tray tag and each tray tag includes recipient information identifying processing requirements relating to the recipient of the mail items in the tray associated with the tray tag.

Abstract translation: 邮件处理系统包括多个托盘，每个托盘适于容纳多个邮件。 托盘中的邮件项目被定向到公共收件人。 该系统还包括适于处理邮件的多个邮件处理机。 不同的邮件可以通过多个邮件处理机器采取不同的处理路径。 该系统还包括配置成产生托盘标签的托盘标签发生器。 多个托盘中的每一个与托盘标签相关联，并且每个托盘标签包括识别与托盘标签相关联的托盘中的邮件项的接收者的处理要求的接收者信息。