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公开(公告)号：US07546261B2
公开(公告)日：2009-06-09
申请号：US10884360
申请日：2004-07-02
IPC分类号： G06Q40/00
CPC分类号： G07F7/00 , G06K9/186 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： The present invention provides various features for extracting a user's bank account information for use in facilitating the electronic transfer of funds to or from the user's bank account. One feature of the invention involves a method and system for extracting a bank routing number from character strings provided by a user from the face of a bank check. The method involves receiving from the user a magnetic ink character recognition (MICR) line. A contiguous string of characters within the MICR line that satisfies a checksum test is stored as the bank routing number for the user. A check number and an account number may also be received from the user. A test is performed to verify that the check number, the account number, and the bank routing number all coexist within the MICR line. Another feature of the invention involves a method and system for facilitating the transfer of funds between a buyer and a seller. A bank routing number is determined for the seller as noted above. A credit card account associated with the buyer is then charged to collect funds for purchasing one or more items from the seller, and at least a portion of the collected funds is deposited into the bank account of the seller using the extracted bank routing number.
摘要翻译： 本发明提供了用于提取用户的银行帐户信息以用于促进向用户银行帐户或从用户银行帐户的电子转帐的各种功能。 本发明的一个特征涉及一种用于从银行支票的面部从用户提供的字符串中提取银行路由号码的方法和系统。 该方法包括从用户接收磁墨水字符识别（MICR）线。 满足校验和测试的MICR线内连续字符串被存储为用户的银行路由号码。 也可以从用户接收到支票号码和帐号。 执行测试以验证检查号码，帐号和银行路由号码是否全部在MICR行内共存。 本发明的另一个特征涉及一种便于在买方和卖方之间转移资金的方法和系统。 如上所述，为卖方确定银行路线号码。 然后，与买方相关联的信用卡帐户被收取以从卖方购买一个或多个物品的资金，并且使用提取的银行路线号将至少一部分所收集的资金存入卖方的银行账户。
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公开(公告)号：US06760470B1
公开(公告)日：2004-07-06
申请号：US09517563
申请日：2000-03-02
IPC分类号： G06K900
CPC分类号： G07F7/00 , G06K9/186 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A computer-implemented method is disclosed for extracting a user's bank account information from information entered by the user from the face of a check. The extracted information may be used to electronically transfer funds to or from the user's bank account. The method may be embodied within a web site system, a telephone-based voice prompting system, or another type of interactive computer system of a business entity, and provides an alternative to requiring the user to mail a voided check. The method involves receiving from the user a magnetic ink character recognition (MICR) line, and identifying a contiguous string of characters within the MICR line that satisfies a checksum test. The resulting string is stored as the bank routing number for the user. A check number and an account number may also be received from the user, in which case a test is performed to verify that the check number, the account number, and the bank routing number all coexist within the MICR line. In a preferred embodiment, the method is used to facilitate the transfer of funds between buyers and sellers in an electronic commerce system that provides a marketplace for users to buy and sell goods, such as an online auctions system or a “flea market” system. In this embodiment, when a buyer purchases one or more items from a seller, the buyer's credit card account is charged to collect funds for the purchase, and at least a portion of the collected funds is deposited into the bank account of the seller using the extracted bank routing number.
摘要翻译： 公开了一种计算机实现的方法，用于从用户面对检查输入的信息中提取用户的银行帐户信息。 所提取的信息可以用于向用户的银行帐户电子转帐资金。 该方法可以体现在网站系统，基于电话的语音提示系统或商业实体的另一类型的交互式计算机系统中，并且提供了要求用户发送无效检查的替代方案。 该方法包括从用户接收磁墨水字符识别（MICR）行，以及识别满足校验和测试的MICR行内的连续字符串。 结果字符串存储为用户的银行路由号码。 还可以从用户接收到支票号码和帐号，在这种情况下，执行测试以验证支票号码，帐号和银行路由号码是否全部在MICR行内共存。 在一个优选实施例中，该方法用于促进电子商务系统中的买方和卖方之间的资金转移，该电子商务系统为用户购买和出售诸如在线拍卖系统或“跳蚤市场”系统的商品提供了市场。 在本实施例中，当买方从卖方购买一个或多个物品时，买方的信用卡帐户被收取以收取购买资金，并且所收集的资金的至少一部分被存入卖方的银行账户中 提取银行路由号码。
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