公开(公告)号：US20140214682A1

公开(公告)日：2014-07-31

申请号：US14229326

申请日：2014-03-28

Applicant: THE CLEARING HOUSE PAYMENTS COMPANY L.L.C.

Inventor： John P. Dunn ,  Stephen Ledford ,  Steve H. Jackson ,  Albert G. Wood

IPC: G06Q20/04

CPC classification number: G06Q20/042 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/0425 ,  G06Q20/10

Abstract: A system and corresponding method are provided. The system includes a plurality of first entities (such as banks), each first entity communicatively connected to at least one distributed traffic agent (DTA), a second entity (such as a central facility) communicatively connected to a DTA, and a communication network communicatively connecting the DTAs. A payload containing a data file (such as electronic check presentment data, electronic payment data, or any other data type) is communicated from one first entity to another through their respective DTAs via the communication network. In addition, a transmittal containing control information corresponding to the payload is communicated from the one first entity to the second entity through their respective DTAs via the communication network.

Abstract translation: 提供了一种系统和相应的方法。 该系统包括多个第一实体（例如存储体），每个第一实体通信地连接至至少一个分布式业务代理（DTA），通信地连接到DTA的第二实体（例如中央设施）和通信网络 通信地连接DTA。 包含数据文件（例如电子支票呈现数据，电子支付数据或任何其他数据类型）的有效载荷通过其通过网络的各自的DTA从一个第一实体传送到另一个实体。 此外，通过通信网络，通过其相应的DTA将与有效载荷相对应的传送包含控制信息从一个第一实体传送到第二实体。

公开(公告)号：US20140188700A1

公开(公告)日：2014-07-03

申请号：US13730738

申请日：2012-12-28

Applicant: WAL-MART STORES, INC.

Inventor： Sreekanth Sreedhararaj ,  Madhaven Kandhadai Vasantham ,  Vikrant Tare ,  Manish Gupta ,  Shiva Krishna Potu

IPC: G06Q20/30

CPC classification number: G06Q20/0425 ,  G06Q20/32

Abstract: Example online payment systems and methods are described. In one implementation, a method receives a request to pay for an online order from a user and receives an image of a negotiable instrument from the user. The method validates the image of the negotiable instrument. If the negotiable instrument is validated, payment for the online order is processed using the image of the negotiable instrument.

Abstract translation: 描述在线支付系统和方法的示例。 在一个实现中，一种方法从用户接收支付在线订单的请求，并从用户接收可转让乐器的图像。 该方法验证可转让票据的图像。 如果可转让票据被验证，则使用可转让票据的图像处理在线订单的付款。

公开(公告)号：US20140052621A1

公开(公告)日：2014-02-20

申请号：US14045755

申请日：2013-10-03

Applicant: AP TECHNOLOGY, LLC

Inventor： Richard Love

IPC: G06Q20/26

CPC classification number: G06Q20/26 ,  G06Q20/023 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q20/204 ,  G06Q20/206 ,  G06Q20/3223 ,  G06Q20/3255 ,  G06Q20/3276 ,  G06Q20/34

Abstract: Systems and methods are provided for causing a computing device to process a check payment from a user using a debit card by: receiving debit card information from the user; sending the information to a payment platform via a network connection; exchanging the debit card information with an ATM network at a bank and receiving a response including a bank account and a bank routing number; making a fraud potential determination; returning a success flag if fraud is not suspected and an error message if fraud is suspected; storing the returned bank account and bank routing number in a database if fraud is not suspected; requesting the user to write their signature on a digitization pad in operation and storing the signature in the database; and creating a check image.

Abstract translation: 提供了系统和方法，用于使计算设备使用借记卡从用户处理支票支付：从用户接收借记卡信息; 通过网络连接将信息发送到支付平台; 在银行与ATM网络交换借记卡信息，并接收包括银行帐户和银行路由号码的响应; 做出潜在的欺诈决定; 如果不怀疑欺诈，返回成功标志，如果涉嫌欺诈，则返回错误信息; 将未返回的银行帐户和银行路由号码存储在数据库中，如果不怀疑有欺诈行为; 请求用户在操作的数字化垫上写入他们的签名并将该签名存储在数据库中; 并创建一个检查图像。

公开(公告)号：US20130315467A1

公开(公告)日：2013-11-28

申请号：US13662631

申请日：2012-10-29

Applicant: Kari B. Hawkins

Inventor： Kari B. Hawkins

IPC: G06Q20/04 ,  G06Q40/02

CPC classification number: G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q40/02 ,  G07F7/04

Abstract: A system and method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used to promptly initiate the transfer of funds to and from appropriate accounts, while the paper checks, at a remote location and typically lagging in time, are scanned to create digital image files and deposited as an image or substitute check if deemed ACH ineligible. The method provides for the comparison of data files to image files, based on MICR information, to find any unmatching or mismatched items for exception processing and a process to manage ACH-ineligible items as an image or substitute check. The system and method further provides for sorting exceptions according to transaction type (ACH eligible versus ACH-ineligible) and prioritizing the further processing of the exceptions based on transaction type.

Abstract translation: 一种处理纸张检查的系统和方法，其分成两个独立的路径，即处理表示支票的数据文件和支票的数字图像。 数据文件和图像文件在时间和空间上分开，数据文件用于及时启动向适当帐户转移资金，而在远程位置通常滞后的文件是 扫描以创建数字图像文件并作为图像存储或替代检查，如果认为ACH不合格。 该方法提供了基于MICR信息的数据文件与图像文件的比较，以找到用于异常处理的任何不匹配或不匹配的项目，以及管理ACH不合格项目作为图像或替代检查的过程。 该系统和方法进一步提供根据交易类型（ACH符合资格而不符合ACH资格）排序异常，并根据交易类型确定进一步处理异常的优先级。

公开(公告)号：US08590940B2

公开(公告)日：2013-11-26

申请号：US13088068

申请日：2011-04-15

Applicant: Robert P. Popadic ,  John R. Popadic ,  Thomas E. Gazda ,  Stuart J. Lipoff

Inventor： Robert P. Popadic ,  John R. Popadic ,  Thomas E. Gazda ,  Stuart J. Lipoff

IPC: B42D15/00 ,  B65D27/00 ,  G06Q40/00 ,  G07D11/00 ,  G07F19/00 ,  G06K5/00 ,  G06K9/00

CPC classification number: G07F7/04 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q40/00

Abstract: A method or corresponding apparatus for remote transmission of a negotiable instrument. In an example embodiment, the process provides a carrier that secures a negotiable instrument. Next, the process creates a unique identifier, associated with the carrier, and generates an electronic image of the negotiable instrument. After generating the electronic image, the process transmits the electronic image of the negotiable instrument and the unique identifier to a remote location. The negotiable instrument may be transmitted via a fax, a scanner, a device designed to transmit electronic data, other image device compatible with ITU-T recommendations T.30 or T.4, or combination thereof. The process may also verify the negotiable instrument has a valid endorsement, verify image quality of the electronic image to ensure compliance with financial industry standards, or validate any received security information.

Abstract translation: 一种用于远程传输可转让票据的方法或相应装置。 在示例性实施例中，该过程提供保护可转让票据的运营商。 接下来，该过程创建与载体相关联的唯一标识符，并且生成可转让仪器的电子图像。 在生成电子图像之后，该过程将可转让票据的电子图像和唯一标识符发送到远程位置。 可转让票据可以通过传真，扫描仪，设计用于发送电子数据的设备，与ITU-T建议T.30或T.4兼容的其他图像设备或其组合来传输。 该过程还可以验证可转让票据有有效的认可，验证电子图像的图像质量以确保符合金融行业标准，或验证任何接收的安全信息。

公开(公告)号：US20130205278A1

公开(公告)日：2013-08-08

申请号：US13831130

申请日：2013-03-14

Applicant: Media Direct, Inc.

Inventor： Scott HIRSCH ,  Arsen PEREYMER ,  Sunny RAJPAL

IPC: G06F9/44

CPC classification number: G06F8/34 ,  G06F8/20 ,  G06F8/30 ,  G06F8/36 ,  G06F8/38 ,  G06F8/71 ,  G06Q20/0425

Abstract: Systems and methods for developing, customizing, and deploying mobile device applications are provided through a mobile application development and deployment platform. Preferably, these systems and methods are implemented in an Internet based environment that allows non-technical users to build sophisticated, highly-customizable cross-platform mobile applications. The platform allows users to select, input, create, customize, and combine various content, design characteristics, and application components, such as modules, some of which utilize features and functionality associated with various mobile devices and mobile operating systems. In certain embodiments, the platform allows users to compile, and generate a configuration file for, the mobile application that can be distributed to end users for execution on various mobile devices and mobile operating systems. When the mobile application is installed on, or executed by the mobile device, the configuration file may enable the retrieval of various data associated with the mobile application.

公开(公告)号：US08484128B2

公开(公告)日：2013-07-09

申请号：US10288091

申请日：2002-11-05

Applicant: Seppo Vihinen

Inventor： Seppo Vihinen

IPC: G06Q40/00

CPC classification number: G06Q20/04 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108

Abstract: A method for transferring a digital payment order from a first terminal device to a second terminal device, and for saving the payment order on a payment order server. A payment order request is sent from the first terminal device to the payment order server and, in response, the requested payment order is sent from the payment order server to the first terminal device. The payment order is thereafter transmitted from the first terminal device to the second terminal device, and the payment order is then transferred from the second terminal device to the payment order server to be honored. A message confirming the honoring of the payment order is sent to the second terminal device.

公开(公告)号：US20130173463A1

公开(公告)日：2013-07-04

申请号：US13776564

申请日：2013-02-25

Applicant: eFunds Corporation

Inventor： Whitney Hilton Stewart ,  Matthew Lacey Petersen ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC: G06Q20/04

CPC classification number: G06Q20/0425 ,  G06Q20/04 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/025

Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

Abstract translation: 一种电子支付和认证系统，其中包括验证付款人真实性的功能，验证借方数据，以及便利借款（而不是信贷）支付交易。 电子支付系统允许消费者在利用借记交易的同时通过网络购买商品和服务。 本发明使商家能够验证消费者的身份，确定消费者是否是良好的借方交易风险，并且检索与特定消费者相关联的借项数据。

公开(公告)号：US20130097076A1

公开(公告)日：2013-04-18

申请号：US13573801

申请日：2012-10-03

Applicant: Richard Love

Inventor： Richard Love

IPC: G06Q20/32

CPC classification number: G06Q20/0425 ,  G06Q20/023 ,  G06Q20/10 ,  G06Q20/322 ,  G06Q20/3223 ,  G06Q20/3255 ,  G06Q20/3276

Abstract: Systems and methods are provided for causing a computing device to create and deliver a person-to-person, person-to-business, business-to-business, or business to person electronic virtual check, by: receiving check payment information from a Payor sent using a mobile phone application; merging the check payment information with a next check image to create an electronic virtual check image; and sending the electronic virtual check image to a Payee.

公开(公告)号：US08387862B2

公开(公告)日：2013-03-05

申请号：US11803887

申请日：2007-05-16

Applicant: Randall Lee Mueller ,  Jeannine M. DeLano ,  Steven Q. Purser ,  V. Srinivas Nori ,  Thomas Edwin Schaadt ,  Jeffrey F. Schiele ,  Ronald Ray Mason

Inventor： Randall Lee Mueller ,  Jeannine M. DeLano ,  Steven Q. Purser ,  V. Srinivas Nori ,  Thomas Edwin Schaadt ,  Jeffrey F. Schiele ,  Ronald Ray Mason

IPC: G06Q40/00

CPC classification number: G06Q20/24 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q40/00

Abstract: Validating image cash letter (“ICL”) files using appropriate validation standards for each ICL file and, where appropriate, allowing successfully validated elements of an ICL file containing one or more unsuccessfully validated elements to be processed for payment and/or presentment. A processing entity can receive an ICL file with multiple ICLs that each includes multiple bundles of electronic check items from a customer. The processing entity can validate the ICL file using multiple validation rules selected based on a file type of the ICL file, data content of the ICL file, and/or an identity of a bank associated with the ICL file. The processing entity can transmit a report of the validation results to the customer. The processing entity can select certain successfully validated elements of the ICL file for check presentment and/or payment processing.

Abstract translation: 使用每个ICL文件的适当验证标准验证图像现金字母（ICL）文件，并在适当的情况下允许成功验证的包含一个或多个未成功验证元素的ICL文件的元素被处理以用于付款和/或呈现。 处理实体可以接收具有多个ICL的ICL文件，每个ICL包括来自客户的多个电子检查项目。 处理实体可以使用基于ICL文件的文件类型，ICL文件的数据内容和/或与ICL文件相关联的存储体的标识来选择的多个验证规则来验证ICL文件。 处理实体可以将验证结果的报告传送给客户。 处理实体可以选择ICL文件的某些成功验证的元素用于检查呈现和/或支付处理。