公开(公告)号：US08238638B2

公开(公告)日：2012-08-07

申请号：US12012079

申请日：2008-01-31

Applicant: Randall Lee Mueller ,  Thomas Edwin Schaadt ,  Benjamin T. Breeden, Jr. ,  V. Srinivas Nori

Inventor： Randall Lee Mueller ,  Thomas Edwin Schaadt ,  Benjamin T. Breeden, Jr. ,  V. Srinivas Nori

IPC: G06K9/00

CPC classification number: G06K9/036

Abstract: Efficiently assessing the quality of an electronic check image by determining whether the check image is suitable for image quality analysis prior to performing the image quality analysis. A check processing module of a check processor can determine whether the check image is suitable for image quality analysis by validating certain tags in the image. For example, such validation can include determining whether the check image includes certain mandatory tags and whether any optional tags present in the image are valid. The check processing module can determine that the check image is not suitable for image quality analysis if it does not include the mandatory tags or if it includes any invalid optional tags. The check processing module can assign a failure value to any check image that is not suitable for image quality analysis. The failure value can indicate a reason for the unsuitability of the check image.

Abstract translation: 通过在执行图像质量分析之前确定检查图像是否适于图像质量分析来有效地评估电子检查图像的质量。 检查处理器的检查处理模块可以通过验证图像中的某些标签来确定检查图像是否适于图像质量分析。 例如，这种验证可以包括确定检查图像是否包括某些强制性标签以及图像中存在的任何可选标签是否有效。 如果检查处理模块不包括强制性标签或者包括任何无效的可选标签，则可以确定检查图像不适合于图像质量分析。 检查处理模块可以为不适合图像质量分析的任何检查图像分配故障值。 故障值可能表示检查图像不合适的原因。

公开(公告)号：US20090196485A1

公开(公告)日：2009-08-06

申请号：US12012079

申请日：2008-01-31

Applicant: Randall Lee Mueller ,  Thomas Edwin Schaadt ,  Benjamin T. Breeden, JR. ,  V. Srinivas Nori

Inventor： Randall Lee Mueller ,  Thomas Edwin Schaadt ,  Benjamin T. Breeden, JR. ,  V. Srinivas Nori

IPC: G06K9/00

CPC classification number: G06K9/036

Abstract: Efficiently assessing the quality of an electronic check image by determining whether the check image is suitable for image quality analysis prior to performing the image quality analysis. A check processing module of a check processor can determine whether the check image is suitable for image quality analysis by validating certain tags in the image. For example, such validation can include determining whether the check image includes certain mandatory tags and whether any optional tags present in the image are valid. The check processing module can determine that the check image is not suitable for image quality analysis if it does not include the mandatory tags or if it includes any invalid optional tags. The check processing module can assign a failure value to any check image that is not suitable for image quality analysis. The failure value can indicate a reason for the unsuitability of the check image.

Abstract translation: 通过在执行图像质量分析之前确定检查图像是否适于图像质量分析来有效地评估电子检查图像的质量。 检查处理器的检查处理模块可以通过验证图像中的某些标签来确定检查图像是否适于图像质量分析。 例如，这种验证可以包括确定检查图像是否包括某些强制性标签以及图像中存在的任何可选标签是否有效。 如果检查处理模块不包括强制性标签或者包括任何无效的可选标签，则可以确定检查图像不适合于图像质量分析。 检查处理模块可以为不适合图像质量分析的任何检查图像分配故障值。 故障值可能表示检查图像不合适的原因。

公开(公告)号：US20090114715A1

公开(公告)日：2009-05-07

申请号：US11983035

申请日：2007-11-06

Applicant: Randall Lee Mueller ,  Richard Rodrigues ,  David Treptow

Inventor： Randall Lee Mueller ,  Richard Rodrigues ,  David Treptow

IPC: G07F19/00

CPC classification number: G06Q20/042 ,  G06Q20/04

Abstract: A printed cash letter includes a machine-readable identifier, such as a barcode, identifying the cash letter. Upon printing, information from the identifier is read and stored in a first record. To determine whether the cash letter is a duplicate, a check presentment module compares information from the identifier with information in the first record. If information identifying the cash letter already exists in the first record, the cash letter is a duplicate. To verify cash letter printing, information identifying multiple cash letters to be printed is stored in a second record. Upon printing a portion of the cash letters, information read from identifiers on the printed cash letters is compared with information in the second record. If the second record includes information regarding a cash letter not identified in the information scanned from the barcodes, then the check presentment module identifies the cash letter as having not been printed.

Abstract translation: 打印的现金字母包括识别现金字母的机器可读标识符，例如条形码。 在打印时，来自标识符的信息被读取并存储在第一记录中。 为了确定现金字母是否是重复的，检查表示模块将来自标识符的信息与第一条记录中的信息进行比较。 如果第一条记录中已经存在识别现金信的信息，则现金字是重复的。 要验证现金字母打印，识别要打印的多个现金字母的信息存储在第二个记录中。 在打印现金字母的一部分时，将从打印的现金字母上的标识符读取的信息与第二记录中的信息进行比较。 如果第二个记录包括关于从条形码扫描的信息中未识别的现金信息的信息，则支票表示模块将现金字母识别为未被打印。

公开(公告)号：US08032462B2

公开(公告)日：2011-10-04

申请号：US11482379

申请日：2006-07-07

Applicant: Randall Lee Mueller ,  Thomas Edwin Schaadt ,  Steven Joseph Harris ,  Eric Lendl ,  V. Srinivas Nori ,  Steven Q. Purser

Inventor： Randall Lee Mueller ,  Thomas Edwin Schaadt ,  Steven Joseph Harris ,  Eric Lendl ,  V. Srinivas Nori ,  Steven Q. Purser

IPC: G06Q40/00

CPC classification number: G06Q20/0425 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q40/00

Abstract: Balancing image cash letters (“ICLs”) and ICL items during electronic check processing includes determining whether each item has been presented to a receiving institution for payment. A tracking module can track an incoming ICL/item's processing status using records comprising information regarding the ICL/item's status for electronic check processing events. The tracking module can present the ICL/item's processing status in one or more reports. The tracking module can balance an ICL by comparing an incoming ICL value amount with an outgoing ICL value amount. The incoming ICL value amount comprises the total value of the items in the incoming ICL. The outgoing ICL value amount comprises the total value of the items in the incoming ICL that have been presented to a receiving institution via one or more outgoing ICLs. If the amounts match, then the incoming ICL is balanced. If not, then the ICL is not balanced.

Abstract translation: 在电子检查处理过程中平衡图像现金字母（“ICL”）和ICL项目包括确定每个项目是否已提交给接收机构进行支付。 跟踪模块可以使用包括关于ICL /项目的电子检查处理事件的状态的信息的记录来跟踪输入的ICL /项目的处理状态。 跟踪模块可以在一个或多个报告中呈现ICL /项目的处理状态。 跟踪模块可以通过将输入的ICL值量与输出的ICL值量进行比较来平衡ICL。 传入的ICL值量包括传入ICL中的项目的总值。 输出的ICL值量包括通过一个或多个输出ICL呈现给接收机构的进入ICL中的项目的总值。 如果数量匹配，那么传入的ICL是平衡的。 如果没有，则ICL不平衡。

公开(公告)号：US20100176192A1

公开(公告)日：2010-07-15

申请号：US12730471

申请日：2010-03-24

Applicant: Randall Lee Mueller ,  Thomas Edwin Schaadt ,  V. Srinivas Nori ,  Steven Q. Purser ,  Diane Marie Baggett

Inventor： Randall Lee Mueller ,  Thomas Edwin Schaadt ,  V. Srinivas Nori ,  Steven Q. Purser ,  Diane Marie Baggett

IPC: G07F19/00 ,  G06Q40/00 ,  G06Q10/00

CPC classification number: G06Q20/042 ,  G06Q40/12 ,  G07F17/26

Abstract: Producing print streams for efficiently generating properly formatted and ordered paper cash letters comprises print stream file that includes electronic form definitions for each cash letter document. The cash letter documents can include a cover page, one or more bundles of substitute checks, a bundle summary for each substitute check bundle, and/or a cash letter bundle summary. Information from an electronic image cash letter file can be input in data fields of the electronic form definitions. Printing the information in the print stream file results in a properly formatted and ordered paper cash letter including substitute checks and audit data. Each substitute check can include all of the MICR data provided on a corresponding, original paper check. The audit data includes the cover page, bundle summary(ies), and/or cash letter bundle summary, which can each detail the documents printed concurrently therewith.

Abstract translation: 生成打印流以有效地生成正确格式化和订购的纸质现金信件，其中包括打印流文件，其中包含每个现金字母文件的电子表格定义。 现金信函文件可以包括封面页面，一个或多个替代检查束，每个替代检查包的捆绑摘要和/或现金信件捆绑摘要。 来自电子图像现金字母文件的信息可以在电子表格定义的数据字段中输入。 在打印流文件中打印信息会导致正确格式化和订购的纸质现金信，包括替代检查和审核数据。 每个替代检查可以包括在相应的原始纸支票上提供的所有MICR数据。 审计数据包括封面，捆绑摘要和/或现金信封捆绑摘要，每个细节可以详细列出同时打印的文档。

公开(公告)号：US07594600B2

公开(公告)日：2009-09-29

申请号：US11362343

申请日：2006-02-22

Applicant: Randall Lee Mueller ,  Thomas Edwin Schaadt ,  V. Srinivas Nori ,  Steven Q. Purser ,  Pablo Gonzalez ,  Bruce D. Herring ,  James A. Blake

Inventor： Randall Lee Mueller ,  Thomas Edwin Schaadt ,  V. Srinivas Nori ,  Steven Q. Purser ,  Pablo Gonzalez ,  Bruce D. Herring ,  James A. Blake

IPC: G06K5/00

CPC classification number: G06Q20/042 ,  G06Q20/04

Abstract: Accommodating the data needed to process checks for payment under the Check Clearing for the 21st Century Act by using expanded fields of a financial data file. The financial data file can comprise the complete, original MICR data from an original or substitute paper check. The financial data file can comprise truncated data in conventional fields F1-F7 and untruncated data in expanded fields F10-F11. The financial data file further can comprise a result from an image quality analysis performed on an electronic image of the check. The untruncated MICR data and the electronic check image can be used to correct errors in the financial data file and to present the check for payment via a substitute check or an electronic image cash letter. The truncated MICR data can be used to electronically process the check via conventional means.

Abstract translation: 通过使用财务数据文件的扩展字段，适应处理“21世纪支票结算法案”支付支付所需的数据。 财务数据文件可以包含来自原始或替代纸支票的完整的原始MICR数据。 财务数据文件可以包括常规字段F1-F7中的截断数据和扩展字段F10-F11中的未被截断的数据。 财务数据文件还可以包括对支票的电子图像执行的图像质量分析的结果。 未经截断的MICR数据和电子支票图像可用于纠正财务数据文件中的错误，并通过替代支票或电子图像现金信函提供支票支票。 截断的MICR数据可用于通过常规手段电子处理支票。

公开(公告)号：US20090236413A1

公开(公告)日：2009-09-24

申请号：US12479219

申请日：2009-06-05

Applicant: Randall Lee Mueller ,  Thomas Edwin Schaadt ,  V. Srinivas Nori ,  Steven Q. Purser ,  Pablo Gonzales ,  Bruce D. Herring ,  James A. Blake

Inventor： Randall Lee Mueller ,  Thomas Edwin Schaadt ,  V. Srinivas Nori ,  Steven Q. Purser ,  Pablo Gonzales ,  Bruce D. Herring ,  James A. Blake

IPC: G07F19/00 ,  G06Q40/00

CPC classification number: G06Q20/042 ,  G06Q20/04

Abstract: Accommodating the data needed to process checks for payment under the Check Clearing for the 21st Century Act by using expanded fields of a financial data file. The financial data file can comprise the complete, original MICR data from an original or substitute paper check. The financial data file can comprise truncated data in conventional fields F1-F7 and untruncated data in expanded fields F10-F1 . The financial data file further can comprise a result from an image quality analysis performed on an electronic image of the check. The untruncated MICR data and the electronic check image can be used to correct errors in the financial data file and to present the check for payment via a substitute check or an electronic image cash letter. The truncated MICR data can be used to electronically process the check via conventional means.

Abstract translation: 通过使用财务数据文件的扩展字段，适应处理“21世纪支票结算法案”支付支付所需的数据。 财务数据文件可以包含来自原始或替代纸支票的完整的原始MICR数据。 财务数据文件可以包括常规字段F1-F7中的截断数据和扩展字段F10-F1中的未经截断的数据。 财务数据文件还可以包括对支票的电子图像执行的图像质量分析的结果。 未经截断的MICR数据和电子支票图像可用于纠正财务数据文件中的错误，并通过替代支票或电子图像现金信函提供支票支票。 截断的MICR数据可用于通过常规手段电子处理支票。

公开(公告)号：US20090114711A1

公开(公告)日：2009-05-07

申请号：US11982950

申请日：2007-11-06

Applicant: Randall Lee Mueller ,  Richard Rodrigues ,  David Treptow

Inventor： Randall Lee Mueller ,  Richard Rodrigues ,  David Treptow

IPC: G06K7/10

CPC classification number: G06Q20/042 ,  G06Q20/04

Abstract: A printed cash letter includes a machine-readable identifier, such as a barcode, identifying the cash letter. Upon printing, information from the identifier is read and stored in a first record. To determine whether the cash letter is a duplicate, a check presentment module compares information from the identifier with information in the first record. If information identifying the cash letter already exists in the first record, the cash letter is a duplicate. To verify cash letter printing, information identifying multiple cash letters to be printed is stored in a second record. Upon printing a portion of the cash letters, information read from identifiers on the printed cash letters is compared with information in the second record. If the second record includes information regarding a cash letter not identified in the information scanned from the barcodes, then the check presentment module identifies the cash letter as having not been printed.

Abstract translation: 打印的现金字母包括识别现金字母的机器可读标识符，例如条形码。 在打印时，来自标识符的信息被读取并存储在第一记录中。 为了确定现金字母是否是重复的，检查表示模块将来自标识符的信息与第一条记录中的信息进行比较。 如果第一条记录中已经存在识别现金信的信息，则现金字是重复的。 要验证现金字母打印，识别要打印的多个现金字母的信息存储在第二个记录中。 在打印现金字母的一部分时，将从打印的现金字母上的标识符读取的信息与第二记录中的信息进行比较。 如果第二个记录包括关于从条形码扫描的信息中未识别的现金信息的信息，则支票表示模块将现金字母识别为未被打印。

公开(公告)号：US20080162320A1

公开(公告)日：2008-07-03

申请号：US11982985

申请日：2007-11-06

Applicant: Randall Lee Mueller ,  V. Srinivas Nori ,  Benjamin T. Breeden

Inventor： Randall Lee Mueller ,  V. Srinivas Nori ,  Benjamin T. Breeden

IPC: G06Q20/00 ,  G06Q40/00

CPC classification number: G06Q20/108 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q40/00

Abstract: Preventing duplicate ICL files and/or ICL file elements, including duplicate ICLs, items, and item bundles, from being processed for payment and/or presentment. A duplicate detection module can assign a predictable and repeatable unique identifier to each ICL file and/or ICL file element. The duplicate detection module can determine whether each ICL file and/or element is a duplicate by comparing the identifier associated with the ICL file and/or element with information stored in a record of already processed files/elements. In response to determining that an ICL file and/or element is a duplicate, the duplicate detection module can determine not to process the file/element for payment and/or presentment. In response to determining that the ICL file and/or element is not a duplicate, the duplicate detection module can store information regarding the file/element in the record. For example, the stored information can include the unique identifier associated with the file/element.

Abstract translation: 防止重复的ICL文件和/或ICL文件元素（包括重复的ICL，项目和项目包）被处理用于付款和/或呈现。 重复检测模块可以为每个ICL文件和/或ICL文件元素分配可预测和可重复的唯一标识符。 重复检测模块可以通过将与ICL文件和/或元素相关联的标识符与存储在已经处理的文件/元素的记录中的信息进行比较来确定每个ICL文件和/或元素是否是重复的。 响应于确定ICL文件和/或元素是重复的，重复检测模块可以确定不处理用于支付和/或呈现的文件/元素。 响应于确定ICL文件和/或元素不是重复的，重复检测模块可以存储关于记录中的文件/元素的信息。 例如，存储的信息可以包括与文件/元素相关联的唯一标识符。

公开(公告)号：US07283656B2

公开(公告)日：2007-10-16

申请号：US11079120

申请日：2005-03-14

Applicant: James A. Blake ,  Pablo Gonzalez ,  Randall Lee Mueller ,  V. Srinivas Nori ,  Steven Q. Purser ,  Thomas Edwin Schaadt

Inventor： James A. Blake ,  Pablo Gonzalez ,  Randall Lee Mueller ,  V. Srinivas Nori ,  Steven Q. Purser ,  Thomas Edwin Schaadt

IPC: G06K9/00

CPC classification number: G06K9/036

Abstract: Assessing the quality of an electronic image comprises determining a quality rating for the electronic image, associating image quality thresholds with purposes for electronic images, selecting the purpose that corresponds to the electronic image, identifying an image quality threshold associated with the selected purpose, and determining whether the quality rating meets the image quality threshold. The electronic image is suitable for its intended purpose if its quality rating meets the threshold.

Abstract translation: 评估电子图像的质量包括确定电子图像的质量等级，将图像质量阈值与电子图像的目的相关联，选择对应于电子图像的目的，识别与所选择的目的相关联的图像质量阈值，以及确定 质量等级是否满足图像质量阈值。 如果电子图像的质量等级达到阈值，则适合其预期目的。