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    IMAGE PROCESSING SYSTEM
    4.
    发明申请
    IMAGE PROCESSING SYSTEM 有权
    图像处理系统

    公开(公告)号：US20070031022A1

    公开(公告)日：2007-02-08

    申请号：US11161475

    申请日：2005-08-04

    申请人： David Frew ,  Matthew Calman ,  Mark Felse ,  Kerry Cantley

    发明人： David Frew ,  Matthew Calman ,  Mark Felse ,  Kerry Cantley

    IPC分类号： G06K9/00

    CPC分类号： G06Q20/0425 ,  G06K9/036 ,  G06Q10/10 ,  G06Q40/00

    摘要： An image processing system requires that both a data file and an image file are received before the item is sent to a posting system. When a data file including an image is received, the system determines if the image was properly and timely received. If the file was properly received, the file is interpreted to ascertain whether the image has been previously tested and passed image quality analysis or if it requires testing by the receiving institution. If testing is required the image is sent through image quality analysis (IQA) to determine if the image meets an acceptable quality standard. If the image passes IQA, it is passed to the institution's posting process. If the image does not pass IQA and the failure is not overridden, the item is returned to the presenting institution. The system prevents the posting of the transaction and corresponding image until a quality image is received and approved.

    摘要翻译： 图像处理系统要求在将物品发送到发布系统之前接收数据文件和图像文件。 当接收到包括图像的数据文件时，系统确定图像是否被正确和及时接收。 如果文件被正确接收，则解释该文件以确定图像是否已经被测试过并且通过图像质量分析，或者如果需要接收机构进行测试。 如果需要测试，则通过图像质量分析（IQA）发送图像，以确定图像是否符合可接受的质量标准。 如果图像通过IQA，它将被传递给该机构的发布过程。 如果图像未通过IQA，并且故障不被覆盖，则该项目将返回给呈现机构。 该系统防止事务和相应图像的发布，直到接收和批准质量图像。

    System and method for correspondent bank customer ATM transaction processing
    7.
    发明授权
    System and method for correspondent bank customer ATM transaction processing 有权
    代理银行客户ATM交易处理的系统和方法

    公开(公告)号：US08301565B2

    公开(公告)日：2012-10-30

    申请号：US12759342

    申请日：2010-04-13

    申请人： Kerry Cantley ,  Tony England

    发明人： Kerry Cantley ,  Tony England

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G06Q20/1085 ,  G07F19/202

    摘要： Systems and methods provide the customer of a correspondent bank, having a pre-arranged relationship with an ATM bank to use the ATM bank's ATM network, with the opportunity to deposit funds via check or cash using the ATM bank's ATM network. A correspondent bank profile and/or individual customer profiles are created and stored on the ATMs of the ATM bank and/or the backend system. The correspondent bank customer initiates a transaction with an ATM on the ATM network, is authenticated, and the ATM determines the customer is a customer of the correspondent bank. Based thereon, the ATM offers the customer the option to perform a deposit transaction. The ATM bank clears the deposited funds and sends transaction information to the correspondent bank including MICR data, check image, and transaction information. The transaction is settled through a demand deposit account owned by the correspondent bank and maintained by the ATM bank.

    摘要翻译： 系统和方法为代理银行的客户提供与ATM银行预先安排的关系，以使用ATM银行的ATM网络，有机会通过ATM银行的ATM网络通过支票或现金存入资金。 记录银行简档和/或个人客户简档被创建并存储在ATM银行和/或后端系统的ATM上。 代理银行客户在ATM网络上启动与ATM的交易，经过身份验证，ATM确定客户是代理银行的客户。 基于此，ATM为客户提供执行存款交易的选择。 ATM银行清理存入的资金，并向交易银行发送交易信息，包括MICR数据，支票图像和交易信息。 交易通过代理行拥有的定期存款账户结算并由ATM银行维护。

    Community hub review
    8.
    发明授权
    Community hub review 有权
    社区中心审查

    公开(公告)号：US08219499B2

    公开(公告)日：2012-07-10

    申请号：US12713638

    申请日：2010-02-26

    申请人： Srinath Nagarajan ,  Timothy James Mark ,  Kerry Cantley ,  David Joa ,  Kurt D. Newman

    发明人： Srinath Nagarajan ,  Timothy James Mark ,  Kerry Cantley ,  David Joa ,  Kurt D. Newman

    IPC分类号： G06Q99/00

    CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q30/0282 ,  G06Q50/01

    摘要： The business review application provides a customer with a bank-hosted business review platform that provides an advertising and feedback service for the bank's business customers and provides a rating, review, feedback, and recommendation service for the bank's individual and business customers. Thus, the bank's customers can rate and review the bank's business customers. The bank uses its authentication systems used by its customers to access online banking services to authenticate the identity of the customer creating a business review in the business review platform. In some embodiments, the business review application only permits its customers to make one review of a business within a certain period of time or one review after a transaction with that business shows up in the customer's transaction information maintained by the bank. In this way, the bank can host a review platform that is much more accurate and trust-worthy than traditional business review platforms.

    摘要翻译： 商业评论应用程序为客户提供银行托管的商业评论平台，为银行业务客户提供广告和反馈服务，并为银行的个人和企业客户提供评级，审查，反馈和推荐服务。 因此，银行的客户可以评估和审查银行的业务客户。 银行使用其客户使用的认证系统来访问网上银行服务，以便在业务审查平台中对客户的身份进行身份验证，从而创建业务审查。 在一些实施例中，业务审查应用程序仅允许其客户在与该业务的交易中显示在银行维护的客户的交易信息中的一段时间内对业务进行一次审查或者一次审查。 通过这种方式，银行可以托管一个比传统业务评估平台更准确和信任的评估平台。

    Generation And Use Of Transaction Records With Imaging
    9.
    发明申请
    Generation And Use Of Transaction Records With Imaging 审中-公开
    交易记录与影像的生成与使用

    公开(公告)号：US20120030107A1

    公开(公告)日：2012-02-02

    申请号：US12847652

    申请日：2010-07-30

    申请人： Lisa Gibson ,  James G. Ronca ,  Kerry Cantley

    发明人： Lisa Gibson ,  James G. Ronca ,  Kerry Cantley

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/42 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/389 ,  G07G3/00

    摘要： Systems and methods for generating transaction records with imaging are described. Data representative of a transaction of a user may be received and a transaction record for the transaction may be generated. A user request to withdraw an amount of monetary funds from an account associated with the transaction may be received. At least one captured image of the user during the transaction may be associated with the transaction record. Monetary funds from the account in the amount requested by the user may be outputted, and the transaction record may be stored in a database. Upon determining the amount of monetary funds requested for withdrawal exceeds a first threshold, at least one image of the user may be captured, and a copy of the at least one captured image of the user or a link to the at least one captured image may be stored in the transaction record.

    摘要翻译： 描述了使用成像生成交易记录的系统和方法。 可以接收表示用户的交易的数据，并且可以生成用于交易的交易记录。 可以接收用户从与该交易相关联的账户中提取金额的资金的请求。 交易期间用户的至少一个拍摄图像可以与交易记录相关联。 可以输出由用户要求的金额的帐户中的货币资金，并且交易记录可以存储在数据库中。 在确定所提取的货币资金量超过第一阈值时，可以捕获用户的至少一个图像，并且该用户的至少一个拍摄图像的副本或者至少一个拍摄图像的链接的副本可以 存储在交易记录中。

    COMMUNITY HUB REVIEW
    10.
    发明申请
    COMMUNITY HUB REVIEW 有权
    社区评论

    公开(公告)号：US20110213724A1

    公开(公告)日：2011-09-01

    申请号：US12713638

    申请日：2010-02-26

    申请人： Srinath Nagarajan ,  Timothy James Mark ,  Kerry Cantley

    发明人： Srinath Nagarajan ,  Timothy James Mark ,  Kerry Cantley

    IPC分类号： G06Q99/00 ,  G06Q40/00 ,  G06F3/048

    CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q30/0282 ,  G06Q50/01

    摘要： The business review application provides a customer with a bank-hosted business review platform that provides an advertising and feedback service for the bank's business customers and provides a rating, review, feedback, and recommendation service for the bank's individual and business customers. Thus, the bank's customers can rate and review the bank's business customers. The bank uses its authentication systems used by its customers to access online banking services to authenticate the identity of the customer creating a business review in the business review platform. In some embodiments, the business review application only permits its customers to make one review of a business within a certain period of time or one review after a transaction with that business shows up in the customer's transaction information maintained by the bank. In this way, the bank can host a review platform that is much more accurate and trust-worthy than traditional business review platforms.

    摘要翻译： 商业评论应用程序为客户提供银行托管的商业评论平台，为银行业务客户提供广告和反馈服务，并为银行的个人和企业客户提供评级，审查，反馈和推荐服务。 因此，银行的客户可以评估和审查银行的业务客户。 银行使用其客户使用的认证系统来访问网上银行服务，以便在业务审查平台中对客户的身份进行身份验证，从而创建业务审查。 在一些实施例中，业务审查应用程序仅允许其客户在与该业务的交易中显示在银行维护的客户的交易信息中的一段时间内对业务进行一次审查或者一次审查。 通过这种方式，银行可以托管一个比传统业务评估平台更准确和信任的评估平台。