公开(公告)号：US08296223B2

公开(公告)日：2012-10-23

申请号：US11982923

申请日：2007-11-06

Applicant: Benjamin T. Breeden, Jr. ,  Steven D. Martin ,  Timothy Rachek ,  Randall Lee Mueller ,  V. Srinivas Nori ,  Daniel A. Maslaney

Inventor： Benjamin T. Breeden, Jr. ,  Steven D. Martin ,  Timothy Rachek ,  Randall Lee Mueller ,  V. Srinivas Nori ,  Daniel A. Maslaney

IPC: G06Q40/00

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

Abstract: Processing duplicate items in image cash letter (“ICL”) reversal files for efficient handling. A duplicate item processing module can receive ICL reversal files comprising items representing duplicate electronic checks. The duplicate item processing module can determine whether the processing entity erroneously presented the item more than once. The duplicate item processing module can also determine whether the depositing institution erroneously deposited the item more than once for processing. Based on the determination of the source of the error, the duplicate item processing module can make a correction in its own records and/or forward the ICL reversal file with the duplicate item to the receiving institution.

Abstract translation: 处理图像现金字母（ICL）反转文件中的重复项目以进行有效的处理。 重复项目处理模块可以接收包含表示重复电子支票的项目的ICL反转文件。 重复项目处理模块可以确定处理实体是否错误地呈现该项目多于一次。 重复项目处理模块还可以确定存款机构是否错误地存放该项目多于一次以进行处理。 根据错误来源的确定，重复项目处理模块可以在自己的记录中进行更正和/或将重复项目的ICL反转文件转发给接收机构。

公开(公告)号：US20080162319A1

公开(公告)日：2008-07-03

申请号：US11982923

申请日：2007-11-06

Applicant: Benjamin T. Breeden ,  Steven D. Martin ,  Timothy Rachek ,  Randall Lee Mueller ,  V. Srinivas Nori

Inventor： Benjamin T. Breeden ,  Steven D. Martin ,  Timothy Rachek ,  Randall Lee Mueller ,  V. Srinivas Nori

IPC: G06Q40/00

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

Abstract: Processing duplicate items in image cash letter (“ICL”) reversal files for efficient handling. A duplicate item processing module can receive ICL reversal files comprising items representing duplicate electronic checks. The duplicate item processing module can determine whether the processing entity erroneously presented the item more than once. The duplicate item processing module can also determine whether the depositing institution erroneously deposited the item more than once for processing. Based on the determination of the source of the error, the duplicate item processing module can make a correction in its own records and/or forward the ICL reversal file with the duplicate item to the receiving institution.

Abstract translation: 处理图像现金字母（“ICL”）中的重复项目反转文件以进行有效的处理。 重复项目处理模块可以接收包含表示重复电子支票的项目的ICL反转文件。 重复项目处理模块可以确定处理实体是否错误地呈现该项目多于一次。 重复项目处理模块还可以确定存款机构是否错误地存放该项目多于一次以进行处理。 根据错误来源的确定，重复项目处理模块可以在自己的记录中进行更正和/或将重复项目的ICL反转文件转发给接收机构。

公开(公告)号：US08167196B2

公开(公告)日：2012-05-01

申请号：US12479219

申请日：2009-06-05

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：US08112357B2

公开(公告)日：2012-02-07

申请号：US11982985

申请日：2007-11-06

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

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

IPC: 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：US08573498B2

公开(公告)日：2013-11-05

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: G06K19/00

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.

公开(公告)号：US08196814B2

公开(公告)日：2012-06-12

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

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：US07918386B2

公开(公告)日：2011-04-05

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: G06F17/00

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：US07802717B2

公开(公告)日：2010-09-28

申请号：US11482360

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 ,  G07D11/00 ,  G07F19/00

CPC classification number: G06Q20/042 ,  G06Q20/04

Abstract: Monitoring an electronic check processing status of an image cash letter (“ICL”) and items in the ICL includes processing each ICL item by performing at least one electronic check processing event in connection with the item. For each electronic check processing event and for each item, a record comprising information related to a status of the electronic check processing event is created. Each record is associated with the corresponding item and the ICL. A status of each item can be determined based on the information stored in the records corresponding to that item. A status of the ICL can be determined based on the status of the items from the ICL.

Abstract translation: 监视图像现金字母（“ICL”）的电子支票处理状态和ICL中的项目包括通过执行与该项目相关的至少一个电子支票处理事件来处理每个ICL项目。 对于每个电子支票处理事件和每个项目，创建包括与电子支票处理事件的状态有关的信息的记录。 每个记录与相关项目和ICL相关联。 可以基于存储在与该项目相对应的记录中的信息来确定每个项目的状态。 ICL的状态可以根据ICL项目的状态来确定。

公开(公告)号：US07686209B2

公开(公告)日：2010-03-30

申请号：US11362344

申请日：2006-02-22

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

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：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。