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公开(公告)号：US20240346466A1
公开(公告)日：2024-10-17
申请号：US18756016
申请日：2024-06-27
Applicant: Bank of America Corporation
Inventor： George Albero , Maharaj Mukherjee , Benjamin D. Moores
CPC classification number: G06Q20/0425 , G06K7/1417 , G06K19/06037 , G06Q20/204 , G06Q20/3274 , G06Q20/40145 , G06Q20/4015 , G06Q20/407
Abstract: Aspects of the disclosure relate to digital check processing. A computing platform may receive a check image from a user device. The computing platform may configure, based on the check image, a digital check for use in conducting transactions between the user device and point of sale devices, which may include generating a QR code for the check. The computing platform may send, to the user device, the digital check, which may enable the user device to execute a transaction with a first point of sale device. The computing platform may receive, from the first point of sale device, a request to execute the transaction. The computing platform may direct an event processing server to process the transaction, which may cause the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device.
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公开(公告)号：US20240320636A1
公开(公告)日：2024-09-26
申请号：US18189294
申请日：2023-03-24
Applicant: INTERNATIONAL BUSINESS MACHINES CORPORATION
Inventor： Yacov Manevich , Kaoutar El Khiyaoui , Angelo De Caro , Elli Androulaki
CPC classification number: G06Q20/0425 , G06Q20/02 , G06Q20/3829
Abstract: A network may receive a cheque script with a signature from a drawer and generate an unspent transaction output (UTXO) satisfied by the script and the signature from the drawer. The Network may also transfer crypto assets of the drawer to the UTXO and execute the cheque script to claim a portion of the crypto assets for a payee.
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公开(公告)号：US12039504B1
公开(公告)日：2024-07-16
申请号：US18466347
申请日：2023-09-13
Applicant: U.S. Bank National Association
Inventor： Marlen L. Foster , Connie K. Yung , Vijay Narayanan , Raj M. Bharadwaj , Soumitri Naga Kolavennu , Jessica G. Winberg , Balasubramanian Narayanan , Hima Rama Subrahmanyam Vishnubhotla
CPC classification number: G06Q20/0425 , G06Q20/108 , G06Q20/3223 , G06Q20/326 , G06Q20/4016 , G06Q20/42 , G06Q40/02 , G06V30/19013 , G06V30/19093 , G06V30/1916 , G06V30/2253
Abstract: Methods and systems for remote check deposit are disclosed. A check image captured by an image capture device of a mobile device in response to receiving a user actuation causing the image capture device to capture the check image is received. The mobile device is caused to perform optical character recognition (OCR) on the check image to generate OCR data. The OCR data generated from the check image is verified to determine whether it includes required predetermined check data to process the check for remote deposit. The OCR data is provided to a financial institution server for validation processing. In response to receiving a confirmation from a user, the check image is provided to the financial instruction server with instructions to process the check for remote deposit. The mobile device receives a deposit receipt notification from the financial institution server after the check is deposited.
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公开(公告)号：US20240202688A1
公开(公告)日：2024-06-20
申请号：US18082059
申请日：2022-12-15
Applicant: NCR Corporation
Inventor： Bryan Walser Nonni
CPC classification number: G06Q20/1085 , G06Q20/0425 , G06Q20/3221 , G06Q20/3223 , G06Q20/3267 , G06Q20/381 , G06F3/04847
Abstract: A system and method for interfacing between a financial institution and a cryptocurrency exchange is disclosed. A back-end application programming interface (API) receives a request for a banking transaction from a user in a first amount in fiat money related to a financial institution account a second amount in cryptocurrency funds related to a cryptocurrency exchange account. The API communicates with the financial institution to cause the banking transaction in the first amount to be performed by the financial institution on the account of the user at the financial institution. The API converts the second amount in fiat money to an amount of cryptocurrency funds. The API communicates with the cryptocurrency exchange to cause the banking transaction in the amount of cryptocurrency funds to be performed by the cryptocurrency exchange on the account of the user at the cryptocurrency exchange.
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公开(公告)号：US12008522B1
公开(公告)日：2024-06-11
申请号：US18206407
申请日：2023-06-06
Inventor： Bharat Prasad , Rickey Dale Burks , Minya Liang
CPC classification number: G06Q20/042 , G06Q20/0425 , G06Q20/10 , G06Q40/02
Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.
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公开(公告)号：US11893628B1
公开(公告)日：2024-02-06
申请号：US17678322
申请日：2022-02-23
Inventor： Teddy Voutour , Bharat Prasad
IPC: G06Q40/02 , G06T7/11 , G06T7/12 , G06V10/10 , G06V10/20 , G06V10/50 , G06V10/44 , G06V20/62 , G06V30/416 , G06Q20/04 , G06Q20/10 , G06T5/40 , H04N1/40 , H04N23/00
CPC classification number: G06Q40/02 , G06Q20/042 , G06Q20/0425 , G06Q20/1085 , G06T5/40 , G06T7/11 , G06T7/12 , G06V10/10 , G06V10/20 , G06V10/443 , G06V10/50 , G06V20/63 , G06V30/416 , H04N1/40012 , H04N23/00 , G06T2207/20132
Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.
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公开(公告)号：US20230334441A1
公开(公告)日：2023-10-19
申请号：US18211140
申请日：2023-06-16
Applicant: Wells Fargo Bank, N.A.
Inventor： David Joel Sherman , Nishant Usapkar , Katie Knight , Ranjit S. Pradhan
IPC: G06Q20/32 , G06V30/224 , G06Q20/04 , G06T1/00
CPC classification number: G06Q20/042 , G06Q20/3223 , G06T1/0007 , G06V30/2253 , G06Q20/0425
Abstract: Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for funds to be deposited into a recipient account. The mobile device configured to display a request to a user of the mobile device to provide one or more portions of a MICR line for the received check image and receive user inputs from the user specifying the one or more portions of the MICR line. The mobile device configured to transmit a message to a bank account computer system associated with the recipient account, the message including data specifying the one or more portions of the MICR line.
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公开(公告)号：US10262305B1
公开(公告)日：2019-04-16
申请号：US15983983
申请日：2018-05-18
Inventor： Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Troy Bartlette Huth
CPC classification number: G06Q20/042 , G06K9/00161 , G06K9/186 , G06K2209/01 , G06Q20/0425 , G06Q20/10 , G06Q20/108 , G06Q20/3223 , G06Q20/325 , G06Q20/4014 , G06Q40/00 , G06Q40/02
Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
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公开(公告)号：US20180197167A1
公开(公告)日：2018-07-12
申请号：US15403560
申请日：2017-01-11
Applicant: Early Warning Services, LLC
Inventor： Ravi Ganesan
CPC classification number: G06Q20/108 , G06Q20/042 , G06Q20/0425 , G06Q20/10 , G06Q20/4016
Abstract: A person-to-person (P2P) payment system provides payment from a payer to a payee without the payer identifying a payee payment receiving preference, such as the payee account into which funds are to be posted. The payment system includes a setup system for setting up payment between the payer and the payee and a messaging system for handling messages between the payer and the payment system and the payee and the payment system, including communications with the payee by way of a payee phone number or email address provided by the payer. A risk assessment system determines a risk score for the P2P transaction and, based on that score, the bank of the payer provides a guarantee to the bank of the payee.
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公开(公告)号：US20180012199A1
公开(公告)日：2018-01-11
申请号：US15711343
申请日：2017-09-21
Applicant: THE CLEARING HOUSE PAYMENTS COMPANY L.L.C.
Inventor： John P. Dunn , Stephen Ledford , Steven H. Jackson , Albert G. Wood
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.
