公开(公告)号：US20130156290A1

公开(公告)日：2013-06-20

申请号：US13327261

申请日：2011-12-15

申请人： Darryl S. O'Neill ,  Michael Ancell

发明人： Darryl S. O'Neill ,  Michael Ancell

IPC分类号： G06K9/60 ,  G06K5/00 ,  G06K9/20

CPC分类号： G06K9/186

摘要： A method is provided of operating an image-based check processing system to detect a double feed condition of carrier envelopes. The method comprises attempting to read a magnetic ink character recognition (MICR) codeline from a first predefined area of an image of a document item. Based upon the attempted read of a MICR codeline from the first predefined area of the item image, a determination is made if the document item is a carrier envelope. A conclusion is made that the document item is not a double-fed item when a determination is made that the document item is a carrier envelope. A conclusion is made that the document item is potentially a double-fed item when a determination is made that the document item is not a carrier envelope. The method may further comprise attempting to read a MICR codeline from a second predefined area which is different from the first predefined area of the item image. Based upon the attempted read of a MICR codeline from the second predefined area of the item image, a determination is made if the item image has a valid MICR codeline. A conclusion is made that the document item is not a double-fed item when a determination is made that a valid MICR codeline has been read from the second predefined area of the item image. A conclusion is made that the document item is potentially a double-fed item when a determination is made that a valid MICR codeline has not been read from the second predefined area of the item image.

摘要翻译： 提供了一种操作基于图像的检查处理系统以检测载体信封的双馈条件的方法。 该方法包括尝试从文档项目的图像的第一预定义区域读取磁性墨水字符识别（MICR）码行。 基于从项目图像的第一预定义区域尝试读取MICR代码行，确定文档项目是否是载体包络。 得出结论，当确定文档项目是载体信封时，文档项目不是双馈物品。 得出结论，当确定文档项目不是载体信封时，文档项目可能是双馈物品。 该方法还可以包括尝试从与项目图像的第一预定义区域不同的第二预定义区域读取MICR代码行。 基于从项目图像的第二预定义区域尝试读取MICR代码行，确定项目图像是否具有有效的MICR代码行。 得出结论，当确定已经从项目图像的第二预定义区域读取了有效的MICR代码行时，文档项目不是双馈项目。 得出结论，当确定没有从项目图像的第二预定义区域读取有效的MICR代码行时，文档项目可能是双馈物品。

公开(公告)号：US20070250422A1

公开(公告)日：2007-10-25

申请号：US11406647

申请日：2006-04-19

申请人： Michael Ancell

发明人： Michael Ancell

IPC分类号： G06Q40/00

CPC分类号： G06Q20/24 ,  G06Q20/042 ,  G06Q20/389 ,  G06Q40/00 ,  G06Q40/02

摘要： A computer-implemented method comprises receiving a returned accounts receivable entry, receiving a return reason code associated with the returned accounts receivable entry, locating an image of an original item which corresponds to the returned accounts receivable entry, and routing the image of the original item through a normal image exchange process based upon the return reason code associated with the returned accounts receivable entry. The normal image exchange process may comprise a check image exchange process. The normal image exchange process may comprise an image replacement document (IRD) exchange process.

摘要翻译： 计算机实现的方法包括接收所返回的应收帐款条目，接收与所返回的应收帐款条目相关联的退货原因代码，定位对应于所返回的应收帐款条目的原始商品的图像，以及路由原始商品的图像 通过与所返回的应收帐款条目相关联的返回原因码的正常图像交换处理。 正常图像交换处理可以包括检查图像交换处理。 正常图像交换过程可以包括图像替换文档（IRD）交换过程。

公开(公告)号：US08625877B2

公开(公告)日：2014-01-07

申请号：US13327261

申请日：2011-12-15

申请人： Darryl S. O'Neill ,  Michael Ancell

发明人： Darryl S. O'Neill ,  Michael Ancell

IPC分类号： G06K9/00

CPC分类号： G06K9/186

摘要： A method is provided of operating an image-based check processing system to detect a double feed condition of carrier envelopes. An example method includes attempting to read a magnetic ink character recognition (MICR) codeline from a first predefined area of an image of a document item, determining if the document item is a carrier envelope, concluding that the document item is not a double-fed item when a determination is made that the document item is a carrier envelope, and concluding that the document item is potentially a double-fed item when a determination is made that the document item is not a carrier envelope.

摘要翻译： 提供了一种操作基于图像的检查处理系统以检测载体信封的双馈条件的方法。 示例性方法包括尝试从文档项目的图像的第一预定义区域读取磁性墨水字符识别（MICR）代码行，确定文档项目是否是载体包络，认定文档项目不是双馈 当确定文档项目是运营商信封时确定文档项目可能是双重馈送的项目，当确定文档项目不是载体信封时，该项目是可能的。

公开(公告)号：US20050035191A1

公开(公告)日：2005-02-17

申请号：US10638609

申请日：2003-08-11

申请人： Paul Latimer ,  Michael Ancell ,  Richard Hildred ,  David Simmons

发明人： Paul Latimer ,  Michael Ancell ,  Richard Hildred ,  David Simmons

IPC分类号： G06Q40/00 ,  G07F19/00 ,  G06F17/60

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G07F19/20 ,  G07F19/202

摘要： Deposit transaction data associated with a cheque deposited at an automated teller machine (ATM) is processed to determine if the deposited cheque is acceptable. Deposit transaction data relating to the deposited cheque is received from an ATM switch. A determination is made as to whether the deposited cheque is acceptable based upon the transaction data. A flag is set and a risk score is assigned when the deposited cheque is determined to be unacceptable. A second source file is created using set flags and assigned risk scores, and then sent to a data server. The second source file is merged with associated deposit data retrieved from memory at the data server. The merged file is sent to a deposit review processor and a deposit review workstation. The deposit review processor determines if any deposited item needs to be reviewed by a human operator or outsorted based upon data contained in the merged file. A human operator at the deposit review workstation reviews deposited items for negotiability and for funds availability risk. If the operator rejects a deposited item based upon negotiability, the operator adjusts the depositor's account and determines disposition of the physical deposit item. If the operator rejects a deposit item based upon funds availability risk, the operator initiates hold procedures on the deposit item.

摘要翻译： 处理与存于自动取款机（ATM）上的支票相关联的存款交易数据，以确定所存的支票是否可接受。 从ATM交换机接收与存入的支票相关的存款交易数据。 根据交易数据确定存款支票是否可以接受。 设定标志，并且当确定存入支票是不可接受的时，分配风险分数。 使用设置标志和分配的风险分数创建第二个源文件，然后发送到数据服务器。 第二个源文件与从数据服务器的内存检索的相关联的存储数据合并。 合并的文件被发送到存款审查处理器和存款审查工作站。 存款审查处理器确定是否任何存放的项目需要由人类操作者审查或根据合并文件中包含的数据外部外部审查。 存款审查工作人员的操作人员会审查存款项目的可转让性和资金可用性风险。 如果经营者根据可协商性拒绝存款项目，经营者调整存款人账户并确定物理存款项目的处置情况。 如果运营商根据资金可用性风险拒绝存款项目，运营商将对存款项目启动持有程序。

公开(公告)号：US06978927B2

公开(公告)日：2005-12-27

申请号：US10638609

申请日：2003-08-11

申请人： Paul J. Latimer ,  Michael Ancell ,  Richard N. Hildred ,  David Gregg Simmons

发明人： Paul J. Latimer ,  Michael Ancell ,  Richard N. Hildred ,  David Gregg Simmons

IPC分类号： G06Q40/00 ,  G07F19/00 ,  G06K5/00

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G07F19/20 ,  G07F19/202

摘要： Deposit transaction data associated with a check deposited at an automated teller machine (ATM) is processed to determine if the deposited check is acceptable. Deposit transaction data relating to the deposited check is received from an ATM switch. A determination is made as to whether the deposited check is acceptable based upon the transaction data. A flag is set and a risk score is assigned when the deposited check is determined to be unacceptable. A second source file is created using set flags and assigned risk scores, and then sent to a data server. The second source tile is merged with associated deposit data retrieved from memory at the data server. The merged file is sent to a deposit review processor and a deposit review workstation. The deposit review processor determines if any deposited item needs to be reviewed by a human operator or outsorted based upon data contained in the merged file.

摘要翻译： 处理与存于自动取款机（ATM）上的支票相关联的存款交易数据，以确定所存的支票是否可接受。 从ATM交换机接收与存入的支票相关的存款交易数据。 根据交易数据确定存款支票是否可以接受。 设定标志，并且当确定存入支票是不可接受的时，分配风险分数。 使用设置标志和分配的风险分数创建第二个源文件，然后发送到数据服务器。 第二源片与与数据服务器上的存储器检索的相关联的存储数据合并。 合并的文件被发送到存款审查处理器和存款审查工作站。 存款审查处理器确定是否任何存放的项目需要由人类操作者审查或根据合并文件中包含的数据外部外部审查。

公开(公告)号：US20050038748A1

公开(公告)日：2005-02-17

申请号：US10638607

申请日：2003-08-11

申请人： Paul Latimer ,  Michael Ancell ,  David Elwin ,  Joseph Shannon ,  Kevin Shamanski

发明人： Paul Latimer ,  Michael Ancell ,  David Elwin ,  Joseph Shannon ,  Kevin Shamanski

IPC分类号： G06Q40/00 ,  G07F19/00 ,  G06F17/60

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G07F19/20

摘要： A consolidation server consolidates cheque image data from a plurality of self-service terminals. The consolidation server receives cheque image data from each of the plurality of terminals. The cheque image data received from the plurality of terminals is staged in a data storage medium. Cheque image data associated with at least one of the plurality of terminals is consolidated when a trigger event occurs. The consolidated cheque image data is sent to an image-based cheque processing system for further processing. The plurality of self-service terminals may comprise a plurality of automated teller machines. The plurality of automated teller machines may comprise a plurality of cheque depositing automated teller machines.

摘要翻译： 合并服务器整合来自多个自助终端的检查图像数据。 合并服务器从多个终端中的每一个接收检查图像数据。 从多个终端接收的检查图像数据被分段在数据存储介质中。 当触发事件发生时，检查与多个终端中的至少一个相关联的图像数据。 合并的检查图像数据被发送到基于图像的检查处理系统用于进一步处理。 多个自助终端可以包括多个自动柜员机。 多个自动取款机可以包括多个支票存款自动取款机。

公开(公告)号：US20050038746A1

公开(公告)日：2005-02-17

申请号：US10638608

申请日：2003-08-11

申请人： Paul Latimer ,  Michael Ancell ,  David Simmons

发明人： Paul Latimer ,  Michael Ancell ,  David Simmons

IPC分类号： G07F19/00 ,  G06F17/60

CPC分类号： G06Q20/042 ,  G06Q20/1085 ,  G07F19/20

摘要： A method of associating physical cheques with cheque image data includes steps of receiving physical cheques from a self-service terminal at which the physical cheques were previously deposited, lifting identification data associated with the physical cheques, and retrieving at least some of the previous remotely-captured cheque image data based upon the identification data to associate the retrieved cheque image data with the physical cheques. The plurality of self-service terminals may include a plurality of automated teller machines. The plurality of automated teller machines may include a plurality of cheque depositing automated teller machines.

摘要翻译： 将物理检查与检查图像数据相关联的方法包括以下步骤：从先前存储物理检查的自助服务终端接收物理检查，提升与物理检查相关联的识别数据，以及检索先前的远程访问中的至少一些， 基于识别数据捕获检查图像数据，以将检索到的检查图像数据与物理检查相关联。 多个自助终端可以包括多个自动柜员机。 多个自动柜员机可以包括多个支票存款自动柜员机。

公开(公告)号：US20090164372A1

公开(公告)日：2009-06-25

申请号：US12004362

申请日：2007-12-20

申请人： Christopher M. Dell ,  Stephen C. Gawne ,  Michael Ancell

发明人： Christopher M. Dell ,  Stephen C. Gawne ,  Michael Ancell

IPC分类号： G06Q40/00

CPC分类号： G07F19/20 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q40/02 ,  G07F19/202

摘要： A method is provided of operating a self-service check depositing terminal. The method comprises the steps of receiving a user identification (ID) card from a depositor at the self-service check depositing terminal, reading ID data from the user ID card, sending the ID data to a consolidation server of a first financial institution to allow the first financial institution to process the ID data, and receiving from the first financial institution a first message containing a first Uniform Resource Locator (URL) which (i) is associated with a consolidation server of a second financial institution which is different from the first financial institution and (ii) is based upon the ID data which has been processed at the first financial institution.

摘要翻译： 提供了一种操作自助服务支票存款终端的方法。 该方法包括以下步骤：从自助服务支付存款终端上的存户接收用户识别卡（ID）卡，从用户身份证读取ID数据，将ID数据发送到第一金融机构的合并服务器以允许 所述第一金融机构处理所述ID数据，以及从所述第一金融机构接收包含第一统一资源定位符（URL）的第一消息，所述第一统一资源定位符（URL）与所述第一金融机构不同的第二金融机构的合并服务器相关联 金融机构，（ii）以第一个金融机构处理的身份证明数据为依据。

公开(公告)号：US20090037339A1

公开(公告)日：2009-02-05

申请号：US11888682

申请日：2007-08-02

申请人： Michael Ancell ,  Peter H. Robinson

发明人： Michael Ancell ,  Peter H. Robinson

IPC分类号： H04K1/00

CPC分类号： G06Q20/04 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q40/02

摘要： A method is provided of a bank authenticating a bank customer desiring to electronically deposit at least one check. The method comprises receiving a secret password from the bank customer, retrieving information relating to the bank customer, receiving an image of a security document which has been optically scanned by the bank customer, extracting information from the image of the physical security document, and authenticating the bank customer when both the secret password received from the bank customer and the extracted information from the image of the security document match the retrieved information relating to the bank customer.

摘要翻译： 提供一种银行认证银行客户的方法，该银行客户希望以电子方式存入至少一张支票。 该方法包括从银行客户接收秘密密码，检索与银行客户有关的信息，接收银行客户光学扫描的安全文件的图像，从物理安全文件的图像中提取信息，以及认证 银行客户当从银行客户收到的秘密密码和从安全文件的图像中提取的信息与检索到的与银行客户有关的信息匹配时。