公开(公告)号：US10289985B2

公开(公告)日：2019-05-14

申请号：US14854720

申请日：2015-09-15

Applicant: EFT Network, Inc.

Inventor： Steven Davis ,  Seth Oestreicher ,  Robert Northrop ,  Martin Klamen

IPC: G06Q40/00 ,  G06Q20/04 ,  G06Q20/32

Abstract: For a consumer having a bank checking account but who is without a preprinted paper check, a paper check is electronically constructed for the consumer on a transaction basis.

公开(公告)号：US20170124644A1

公开(公告)日：2017-05-04

申请号：US15343764

申请日：2016-11-04

Applicant: EFT Network, Inc.

Inventor： Steven Davis

IPC: G06Q40/02 ,  H04W4/02

CPC classification number: G06Q40/025

Abstract: Differential state-specific content delivery depending on user actual geographic location by state within the United States is provided. Some uses for the technology include consumer loan application-processing systems, consumer leasing application-processing systems, and insurance claims-processing systems.

公开(公告)号：US20170076402A1

公开(公告)日：2017-03-16

申请号：US14918668

申请日：2015-10-21

Applicant: EFT Network, Inc.

Inventor： Steven Davis ,  Seth Oestreicher ,  Robert Northrop ,  Martin Klamen

IPC: G06Q40/00

CPC classification number: G06Q20/042 ,  G06Q20/3221 ,  G06Q20/3224 ,  G06Q40/128

Abstract: For a consumer having a bank checking account but who is without a preprinted paper check, a paper check is electronically constructed for the consumer on a transaction basis.

Abstract translation: 对于具有银行支票帐户但没有预印纸支票的消费者，以交易为基础以电子方式为消费者构建纸质支票。

公开(公告)号：US20170076257A1

公开(公告)日：2017-03-16

申请号：US14854720

申请日：2015-09-15

Applicant: EFT Network, Inc.

Inventor： Steven Davis ,  Seth Oestreicher ,  Robert Northrop ,  Martin Klamen

IPC: G06Q20/04 ,  G06Q20/32

CPC classification number: G06Q20/042 ,  G06Q20/3221 ,  G06Q40/128

Abstract: For a consumer having a bank checking account but who is without a preprinted paper check, a paper check is electronically constructed for the consumer on a transaction basis.

公开(公告)号：US10475004B2

公开(公告)日：2019-11-12

申请号：US14918668

申请日：2015-10-21

Applicant: EFT Network, Inc.

Inventor： Steven Davis ,  Seth Oestreicher ,  Robert Northrop ,  Martin Klamen

IPC: G06Q40/00 ,  G06Q20/04 ,  G06Q20/32

Abstract: For a consumer having a bank checking account but who is without a preprinted paper check, a signed paper check is electronically constructed for the consumer on a transaction basis, by a computer system. The system captures GPS location from the consumer's phone and prints numerical GPS coordinates onto the check as part of electronically constructing the signed check. One usage context is a system used by creditors obtaining payment from debtors who are overdue on their accounts.

公开(公告)号：US20190043124A1

公开(公告)日：2019-02-07

申请号：US16148674

申请日：2018-10-01

Applicant: EFT NETWORK, INC.

Inventor： Steven Davis ,  Michael Davison ,  Martin Klamen ,  James Derivan ,  Bobby Ballard ,  Stephen Wangner ,  Roz Del La Rosa ,  Charanjit Singh

IPC: G06Q40/02 ,  G06Q20/04

Abstract: Described is a method and system for single point deposit of checks. First, a computer scans each of a plurality of checks to generate digitized images thereof, the plurality of checks including at least one of non-consumer checks and consumer checks. After scanning the checks, the computer generates a master file including a record for each check which includes the digitized image of the corresponding check and a data portion including data obtained from a MICR line of the corresponding check. Once the masterfile is created, it is sorted into first and second sub-files based on the digitized images and/or the data portions. The first sub-file includes only the non-consumer checks and the second sub-file includes the consumer checks. The records of the first sub-file are processed according to a non-consumer check procedure. The records of the second sub-file are processed according to a consumer check procedure or the non-consumer check procedure.

公开(公告)号：US09195977B2

公开(公告)日：2015-11-24

申请号：US13771256

申请日：2013-02-20

Applicant: EFT Network, Inc.

Inventor： Steven Davis ,  Stephen A. Schutze

IPC: G07F19/00 ,  G06Q20/10 ,  G06Q20/04 ,  G06Q40/02

CPC classification number: G06Q20/108 ,  G06Q20/042 ,  G06Q40/02

Abstract: Described is a method and system for a remote deposit system. The method comprises receiving facsimile data corresponding to facsimile of a plurality of checks, constructing digitized images of the checks as a function of the facsimile data, gathering check data from each of the digitized images, and processing the check data according to a check processing procedure to settle transactions referenced by each of the checks.

Abstract translation: 描述了远程存款系统的方法和系统。 该方法包括：接收对应于多个检查的传真的传真数据，根据传真数据构建检查的数字化图像，从每个数字化图像收集检查数据，以及根据检查处理程序处理检查数据 以解决每个支票引用的交易。