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    Method and system for enhanced check image privacy
    1.
    发明授权
    Method and system for enhanced check image privacy 有权
    增强检查图像隐私的方法和系统

    公开(公告)号：US08126252B2

    公开(公告)日：2012-02-28

    申请号：US11553269

    申请日：2006-10-26

    申请人： George Miller Abernethy ,  Matthew A. Calman ,  Kathryn B. Carmody ,  Gregory Tyrone Domally ,  Lowell R. Huff ,  Clarence E. Lee, II ,  Joseph P. Shuster ,  Carol W. Wiles

    发明人： George Miller Abernethy ,  Matthew A. Calman ,  Kathryn B. Carmody ,  Gregory Tyrone Domally ,  Lowell R. Huff ,  Clarence E. Lee, II ,  Joseph P. Shuster ,  Carol W. Wiles

    IPC分类号： G06K9/00

    CPC分类号： G06K9/033 ,  G06Q20/042 ,  G07F7/04 ,  G07F7/122

    摘要： A method and system for enhanced check image privacy are disclosed. Embodiments of the present invention provide a way to automatically link the results from quality assurance software to a check image archive to appropriately mark images as unretrievable by customers. Images are interrogated with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches associated, stored magnetic ink character recognition (MICR) data is below a pre-set threshold. The image can be then automatically designated in the financial document archive. The image can be displayed to an operator for analysis when the confidence score is above the pre-set threshold and below a pre-set limit, or in cases where the confidence score cannot be determined by the data matching algorithm.

    摘要翻译： 公开了一种用于增强检查图像隐私的方法和系统。 本发明的实施例提供了一种将质量保证软件的结果自动链接到检查图像存档以便将图像适当地标记为不能由客户获得的图像的方法。 用数据匹配算法询问图像以确定表示图像匹配相关联的存储的磁墨水字符识别（MICR）数据的可能性的置信度分数是否低于预设阈值。 然后可以在财务文件归档中自动指定图像。 当置信度分数高于预设阈值并低于预设限制时，或者在不能用数据匹配算法确定置信度分数的情况下，图像可以显示给操作者进行分析。

    AUTOMATED FLOAT PRICING FOR GEOGRAPHICALLY DISTRIBUTED DEPOSITS AND ACCOUNTS
    2.
    发明申请
    AUTOMATED FLOAT PRICING FOR GEOGRAPHICALLY DISTRIBUTED DEPOSITS AND ACCOUNTS 有权
    用于地理分布式存款和账户的自动浮动定价

    公开(公告)号：US20090018939A1

    公开(公告)日：2009-01-15

    申请号：US11774687

    申请日：2007-07-09

    申请人： Douglas P. Elliott ,  David McMann ,  Lowell R. Huff ,  Lynn Flesher ,  Clarence E. Lee, II ,  David Frew ,  Kelly S. Hall

    发明人： Douglas P. Elliott ,  David McMann ,  Lowell R. Huff ,  Lynn Flesher ,  Clarence E. Lee, II ,  David Frew ,  Kelly S. Hall

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/04 ,  G06Q40/00 ,  G06Q40/025

    摘要： An automated system can be provided for continuously and accurately assigning float to deposit credits within a financial institution. A normalized market segment is continuously assigned to each account by extracting information from a plurality of disparate demand deposit account systems. Deposit credits are gathered from disparate known capture sites and the normalized market segment is assigned to a deposit credit for a corresponding account. A float assignment can then be made for a deposit credit so that the float reflects both a deposit location and current domestic information for the corresponding account. A system for implementing the invention can include a float system connected to a transaction exchange system.

    摘要翻译： 可以提供一个自动化系统，用于在金融机构内持续准确地分配浮动存款信用。 通过从多个不同的需求存款账户系统中提取信息，将正常的市场分段连续分配给每个账户。 存款信用是从不同的已知捕获站点收集的，并且归一化市场细分被分配给相应帐户的存款信用。 然后，可以为存款信用进行浮动分配，以便浮动反映相应账户的存款位置和当前国内信息。 用于实现本发明的系统可以包括连接到交易交换系统的浮动系统。

    TARGETED ENROLLMENT
    3.
    发明申请
    TARGETED ENROLLMENT 审中-公开
    目标注入

    公开(公告)号：US20110131096A1

    公开(公告)日：2011-06-02

    申请号：US12955593

    申请日：2010-11-29

    申请人： David T. Frew ,  Zhongmin Agarwal ,  Kevin Kenny ,  Sylvan Tran ,  Clarence E. Lee, II ,  James A. Robinson ,  Rodney Ermish

    发明人： David T. Frew ,  Zhongmin Agarwal ,  Kevin Kenny ,  Sylvan Tran ,  Clarence E. Lee, II ,  James A. Robinson ,  Rodney Ermish

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/02 ,  G06Q30/0269

    摘要： Embodiments of the invention relate to apparatuses and methods for providing targeted product offers to customers. For example, in one embodiment, a first entity sends a targeted offer to certain customers. The first entity uses a second entity to perform a service related to the offer, such as an enrollment service. The first entity sends a candidate file to the second entity, where the candidate file includes a list of customers that qualify for the offer. The first entity authenticates the customer and, when the customer expresses interest in the targeted offer, the first entity forwards the customer to the second entity along with customer identifying information so that the second entity can perform the related service. The second entity then verifies whether the transferred customer qualifies for the offer by comparing the customer information to the candidate file. If verified, the second entity can perform the service related to the offer for the customer.

    摘要翻译： 本发明的实施例涉及用于向客户提供目标产品的设备和方法。 例如，在一个实施例中，第一实体向某些客户发送目标优惠。 第一实体使用第二实体来执行与该报价有关的服务，例如注册服务。 第一实体将候选文件发送到第二实体，其中候选文件包括符合要约的客户的列表。 第一实体认证客户，并且当客户对目标报价表示兴趣时，第一实体将客户与客户标识信息一起转发给第二实体，使得第二实体可以执行相关服务。 然后，第二实体通过将客户信息与候选文件进行比较来验证所转移的客户是否符合要约。 如果验证，则第二实体可以执行与客户的报价有关的服务。

    Automated float pricing for geographically distributed deposits and accounts
    4.
    发明授权
    Automated float pricing for geographically distributed deposits and accounts 有权
    地理位置分布的存款和账户的自动浮动定价

    公开(公告)号：US08126803B2

    公开(公告)日：2012-02-28

    申请号：US11774687

    申请日：2007-07-09

    申请人： Douglas P. Elliott ,  David McMann ,  Lowell R. Huff ,  Lynn Flesher ,  Clarence E. Lee, II ,  David Frew ,  Kelly S. Hall

    发明人： Douglas P. Elliott ,  David McMann ,  Lowell R. Huff ,  Lynn Flesher ,  Clarence E. Lee, II ,  David Frew ,  Kelly S. Hall

    IPC分类号： G06Q20/00

    CPC分类号： G06Q40/04 ,  G06Q40/00 ,  G06Q40/025

    摘要： An automated system can be provided for continuously and accurately assigning float to deposit credits within a financial institution. A normalized market segment is continuously assigned to each account by extracting information from a plurality of disparate demand deposit account systems. Deposit credits are gathered from disparate known capture sites and the normalized market segment is assigned to a deposit credit for a corresponding account. A float assignment can then be made for a deposit credit so that the float reflects both a deposit location and current domestic information for the corresponding account. A system for implementing the invention can include a float system connected to a transaction exchange system.

    摘要翻译： 可以提供一个自动化系统，用于在金融机构内持续准确地分配浮动存款信用。 通过从多个不同的需求存款账户系统中提取信息，将正常的市场分段连续分配给每个账户。 存款信用是从不同的已知捕获站点收集的，并且归一化市场细分被分配给相应帐户的存款信用。 然后，可以为存款信用进行浮动分配，以便浮动反映相应账户的存款位置和当前国内信息。 用于实现本发明的系统可以包括连接到交易交换系统的浮动系统。