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    Apparatuses, methods and systems for remote deposit capture with enhanced image detection
    21.
    发明授权
    Apparatuses, methods and systems for remote deposit capture with enhanced image detection 有权
    用于通过增强图像检测进行远程存储捕获的设备，方法和系统

    公开(公告)号：US09129340B1

    公开(公告)日：2015-09-08

    申请号：US12982494

    申请日：2010-12-30

    Applicant: Reynaldo Medina, III ,  Bharat Prasad

    Inventor： Reynaldo Medina, III ,  Bharat Prasad

    IPC: G06Q40/00 ,  G06Q40/02

    CPC classification number: G06Q40/02 ,  G06K9/4642 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/1085 ,  G06T5/40 ,  G06T7/0081 ,  G06T2207/20132 ,  H04N5/225

    Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.

    Abstract translation: 用于具有增强图像检测的远程存取捕获的装置，方法和系统（以下称为“RDC检测”）通过经由用户装置提交支票的拍摄图像来提供远程存储的平台，其中RDC检测转换捕获的检查图像， /或通过RDC检测组件输入检验存款信息输入到存款确认输出。 例如，在一个实施例中，金融机构可以接收由扫描仪，照相机等捕获的检查图像，并处理检查图像以提取存储信息以处理存款请求。

    Systems and methods for digital signature detection
    22.
    发明授权
    Systems and methods for digital signature detection 有权
    用于数字签名检测的系统和方法

    公开(公告)号：US09058512B1

    公开(公告)日：2015-06-16

    申请号：US11864569

    申请日：2007-09-28

    Applicant: Reynaldo Medina, III

    Inventor： Reynaldo Medina, III

    IPC: G06K9/00 ,  G06Q20/40

    CPC classification number: G06K9/00161 ,  G06K9/00449 ,  G06Q20/02 ,  G06Q20/0425 ,  G06Q20/4014 ,  G06Q40/00

    Abstract: A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.

    Abstract translation: 提供了一种系统，方法和计算机可读介质，以实现数字银行的认可。 支票背面的数字图像可以被放置在计算机存储器中。 可以确定银行认可的适当坐标。 可能会自动生成银行代言。 然后可以通过覆盖，合并或呈现所生成的银行背书的文本来电子地改变数字图像。 修改的数字图像可以与检查的前侧的图像组合并存储和/或导出以检查清除操作。

    ELECTRONIC CHECK-BASED PAYMENT SYSTEM AND METHODS FOR ISSUING, TRANSFERRING, PAYING AND VERIFYING ELECTRONIC CHECKS
    24.
    发明申请
    ELECTRONIC CHECK-BASED PAYMENT SYSTEM AND METHODS FOR ISSUING, TRANSFERRING, PAYING AND VERIFYING ELECTRONIC CHECKS 审中-公开
    基于电子检票的付款系统及方法，用于发行，转账，付款和验证电子检票

    公开(公告)号：US20150073986A1

    公开(公告)日：2015-03-12

    申请号：US14368722

    申请日：2012-12-28

    Applicant: MY PARTNERS AND GLOBAL STARS INVESTMENTS (MP&GS) LTD

    Inventor： Ilya Vladimirovich Kligman

    IPC: G06Q20/04 ,  G06Q20/10 ,  G06Q20/42 ,  G06Q20/40

    CPC classification number: G06Q20/0425 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/40145 ,  G06Q20/42 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02

    Abstract: The invention relates to the sphere of information technologies, in particular, to electronic systems and monetary-fund circulation methods and can be used for solving problems of mutual settlements between participants of the electronic payment system in real-time mode. In doing so, the analogue of monetary funds in the invention presented are electronic bank bearer checks complying with bank regulations and the requirements of applicable legislation. The client application units are rendered as grouped into modules by categories corresponding to the user status determined by the unit of authorization of the client and server applications, with provision of the possibility of pre-setting a group of check circulation parameters for each category. The issue of checks is accompanied by the creation of legally-valid documents and reflection of transactions in the check register.

    Abstract translation: 本发明涉及信息技术领域，特别涉及电子系统和货币资金流通方式，可以用于实时地解决电子支付系统参与者之间的相互处理问题。 在这样做时，提出的发明中的货币资金类似物是符合银行法规的电子银行承兑支票和适用立法的要求。 客户端应用单元通过由客户机和服务器应用的授权单元确定的用户状态对应的类别被分组成模块，并且提供了为每个类别预设一组检查循环参数的可能性。 检查的问题伴随着在检查登记册中创建合法有效的文件和反映交易。

    METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR FACILITATING A REMOTE DEPOSIT TO A PREPAID CARD ACCOUNT
    25.
    发明申请
    METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR FACILITATING A REMOTE DEPOSIT TO A PREPAID CARD ACCOUNT 有权
    方法，系统和计算机可读介质，用于促进远程存入预付卡帐户

    公开(公告)号：US20150026052A1

    公开(公告)日：2015-01-22

    申请号：US13943758

    申请日：2013-07-16

    Applicant: MasterCard International Incoorporated

    Inventor： Ryan Patrick Bodman

    IPC: G06Q20/28 ,  G06Q20/10

    CPC classification number: G06Q20/28 ,  G06Q20/0425 ,  G06Q20/108 ,  G06Q20/349

    Abstract: Methods, systems, and computer readable media for facilitating a remote deposit to a prepaid card account are disclosed. In one example, the method includes receiving, via an application programming interface (API) supported by a central switch node, a web based service message containing a load request from an acquiring entity. The method further includes utilizing, at the central switch node, the load request to identify an issuing entity that hosts a prepaid card account associated with the load request from among a plurality of issuing entities and communicating the load request from the central switch node to the issuing entity.

    Abstract translation: 公开了用于促进对预付卡账户的远程存款的方法，系统和计算机可读介质。 在一个示例中，该方法包括经由由中央交换节点支持的应用程序编程接口（API）接收包含来自采集实体的加载请求的基于web的服务消息。 该方法还包括在中央交换节点处利用负载请求来识别从多个发布实体中托管与该加载请求相关联的预付卡账户的发行实体，并将该负载请求从中央交换节点传送到 发行实体。

    BILL-PAY CHECK IMAGE INTEGRATION
    26.
    发明申请
    BILL-PAY CHECK IMAGE INTEGRATION 审中-公开
    付款方式检查图像整合

    公开(公告)号：US20140372295A1

    公开(公告)日：2014-12-18

    申请号：US13917855

    申请日：2013-06-14

    Applicant: Bank of America Corporation

    Inventor： Anne D. Tatham ,  Milton Santiago, JR. ,  Christopher Hope ,  Richard M. Brewer

    IPC: G06Q20/04

    CPC classification number: G06Q20/0425

    Abstract: Apparatus and methods for bill integration are provided. Checks issued by a bill-pay vendor may be integrated into a daily issue file and be presented to a user for review. The review may include selecting one or more check service to be applied to a check. The presenting may including marking checks and images corresponding to items received from a bill-pay vendor. Credit card transactions initiated via a bill-pay vendor may be integrated into the daily issue file. Checks received from the bill-pay vendor may be numbered into a range that is not a user-generated range. Bill-pay integration may include just-in-time funding of payments initiated through the bill-pay vendor. The daily issue file may be accessed via a mobile device, and may be filtered based on an entitlement associated with the mobile device.

    Abstract translation: 提供了用于纸币整合的装置和方法。 票据支付供应商签发的支票可以整合到每日发行文件中，并提交给用户进行审查。 审查可以包括选择要应用于支票的一个或多个检查服务。 呈现可以包括对应于从付款供应商接收的项目的标记检查和图像。 通过票据支付供应商发起的信用卡交易可以集成到每日发行文件中。 从票据支付供应商收到的支票可能会被编号为不是用户生成范围的范围。 账单支付整合可能包括通过票据支付供应商发起的付款的即时资金。 日常问题文件可以通过移动设备访问，并且可以基于与移动设备相关联的授权进行过滤。

    METHOD OF PROVIDING SECURE PAYMENT AND TRANSACTION RECONCILIATION
    28.
    发明申请
    METHOD OF PROVIDING SECURE PAYMENT AND TRANSACTION RECONCILIATION 审中-公开
    提供安全支付和交易重组的方法

    公开(公告)号：US20140344152A1

    公开(公告)日：2014-11-20

    申请号：US14229135

    申请日：2014-03-28

    Applicant: StoneEagle Services, Inc.

    Inventor： Robert M. Allen

    IPC: G06Q20/02 ,  G06Q20/40

    CPC classification number: G06Q20/02 ,  G06Q20/0425 ,  G06Q20/14 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/04 ,  G06Q40/12

    Abstract: A method of paying a merchant for a transaction associated with a program. The method including the steps of receiving a request from a merchant for a payment associated with a purchase, generating a payment identifier, generating a payment number having a predetermined limit amount and a predetermined expiration date, associating the payment identifier with the payment number and transmitting the payment number to the merchant for payment of the request.

    Abstract translation: 支付与程序相关联的交易的商家的方法。 该方法包括以下步骤：从商家接收与购买相关联的支付的请求，生成支付标识符，生成具有预定限制量的支付号码和预定的到期日期，将支付标识符与支付号码相关联并发送 付款号码给商家付款的请求。

    PAPER PAYMENT PROCESSING ANALYTICS
    29.
    发明申请
    PAPER PAYMENT PROCESSING ANALYTICS 审中-公开
    纸张付款处理分析

    公开(公告)号：US20140330716A1

    公开(公告)日：2014-11-06

    申请号：US13875983

    申请日：2013-05-02

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David T. Frew ,  Tessa R. Cooke

    IPC: G06Q20/10

    CPC classification number: G06Q20/023 ,  G06Q20/0425 ,  G06Q20/1085 ,  G06Q20/3221 ,  G06Q20/34 ,  G06Q20/405

    Abstract: Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.

    Abstract translation: 提供了用于电子通知个人与所接收的对应项相关联的不完整交易的装置。 该装置可以包括用于接收与第一对应关联的单个纸对应项的接收器。 该装置可以包括用于从纸张对应项导出数字图像的处理器。 处理器可以被配置为基于导出的数字图像来确定对应项是否是纸张检查。 响应于作为纸张检查的对应项目的确定，处理器可以被进一步配置为使用实时通知通道来通知个人收到纸张支票。 该通知可以至少部分地基于个人的身份识别。 处理器可以被进一步配置为使用实时通知通道来呈现用于识别应该应用该支票的帐户的至少一个选项。

    SMARTCARD-BASED VALUE TRANSFER
    30.
    发明申请
    SMARTCARD-BASED VALUE TRANSFER 审中-公开
    基于智能卡的价值转移

    公开(公告)号：US20140222646A1

    公开(公告)日：2014-08-07

    申请号：US14246778

    申请日：2014-04-07

    Applicant: ECEBS LIMITED

    Inventor： Barry Sim Hochfield ,  Anthony Breslin ,  Michael Peters

    IPC: G06Q40/04 ,  G06Q20/36

    CPC classification number: G06Q40/04 ,  G06Q20/0425 ,  G06Q20/367 ,  G06Q20/382 ,  G06Q20/403 ,  G06Q40/00 ,  G07F7/1008 ,  G07F7/1025

    Abstract: In a value transfer scheme, users are provided with programmable devices, for example, smart cards, capable of carrying data representing at least one available commodity value. Data representing user accounts is held at a remote processing station. Transactions between users are effected by the off-line exchange of data between users' respective smartcards, the exchanged data containing a record of each transaction entered into. The user account data for each user's account held at the remote processing station is updated only subsequently when the user's smartcard is on-line to the remote processing station and data therefrom is uploaded to the remote processing station. The scheme of the invention can, conveniently, be based around the ITSO scheme which is used to govern the secure transfer of data The scheme is capable of providing a secure multi-commodity value transfer system.

    Abstract translation: 在价值转移方案中，向用户提供了可编程设备，例如智能卡，能够承载表示至少一个可用商品价值的数据。 表示用户帐户的数据保存在远程处理站。 用户之间的交易通过用户各自智能卡之间的数据的离线交换来实现，交换的数据包含输入的每个交易的记录。 随后当用户的智能卡在线到远程处理站并且其数据被上传到远程处理站时，在远程处理站处保存的每个用户账号的用户账户数据被更新。 本发明的方案可以方便地基于用于管理数据的安全传输的ITSO方案。该方案能够提供安全的多商品价值转移系统。

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