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公开(公告)号：US08708227B1
公开(公告)日：2014-04-29
申请号：US11590974
申请日：2006-10-31
申请人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , R. Bharat Prasad Nuggehalli , Frank Kyle Major , Jeffrey Neal Pollack
发明人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , R. Bharat Prasad Nuggehalli , Frank Kyle Major , Jeffrey Neal Pollack
CPC分类号： G06K9/00442 , G06K7/10861 , G06K9/36 , G06Q20/04 , G06Q20/042 , G06Q20/108 , H04N1/00204 , H04N1/00244 , H04N1/00307 , H04N1/00816 , H04N1/387 , H04N1/403 , H04N2101/00 , H04N2201/001
摘要： 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.
摘要翻译： 金融机构可以方便地支票的远期存款。 可以利用客户的通用计算机和图像捕获设备来捕获检查的图像并将图像传送到金融机构电子设备。 必要时可以收集交易的其他数据。 可以使用所获得的图像和数据来自动完成交易。
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公开(公告)号：US08959033B1
公开(公告)日：2015-02-17
申请号：US11686924
申请日：2007-03-15
申请人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Nuggehalli , Carol Ann Walls , Gabriel Glenn Gavia , Reynaldo Medina, III
发明人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Nuggehalli , Carol Ann Walls , Gabriel Glenn Gavia , Reynaldo Medina, III
CPC分类号： G06K9/00993 , G06K9/00161 , G06K9/00288 , G06Q40/02
摘要： Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting “face recognition” of a received check image to verify it's authenticity and/or detecting MICR line indications that a check is no longer valid.
摘要翻译： 可以在系统中进行远程存放检查的验证，或者用于电子地接收来自客户的检查图像，并自动启动与此类检查相关的资金存款。 验证可以包括分析图像以检测签名的存在，例如， 在收到的支票图像上支付付款人签名和背书，以验证支票。 验证可以进一步包括对所接收的检查图像进行“面部识别”以验证其真实性和/或检测MICR线指示检查不再有效。
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3.发明授权公开(公告)号：US08799147B1
公开(公告)日：2014-08-05
申请号：US11591273
申请日：2006-10-31
摘要： Various systems, methods and computer-readable media with computer-executable instructions are disclosed for remotely depositing negotiable instruments with non-payee financial institutions, such payor financial institutions, any intermediate financial institutions (those between payor and payee financial institutions), or third party enterprises. For example a data set comprising any one of a data image, alpha-numeric data, and metadata can be submitted with a non-payee bank. This set of data may be associated with a negotiable instrument that an account holder may have received as a payee. After the negotiable instrument is transformed into the data set, this data set can be used to clear funds to the payee's account using only the electronically and remotely submitted data set.
摘要翻译： 公开了具有计算机可执行指令的各种系统，方法和计算机可读介质用于与非收款金融机构远程存入可转让票据，例如支付者金融机构，任何中间金融机构（付款人和收款人金融机构之间）或第三方 企业。 例如，可以向非收款银行提交包括数据图像，字母数字数据和元数据中的任何一个的数据集。 这组数据可能与账户持有人可能收到的可转让票据相关联，作为收款人。 在可转让票据转换为数据集后，该数据集可用于仅使用电子和远程提交的数据集将资金清算给收款人的账户。
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4.发明授权Systems and methods for displaying negotiable instruments derived from various sources 有权从各种来源出示可转让票据的系统和方法公开(公告)号：US07885451B1
公开(公告)日：2011-02-08
申请号：US11591320
申请日：2006-10-31
CPC分类号： G06Q20/042 , G06Q20/04
摘要： Various systems, methods and computer-readable media with computer-executable instructions are disclosed that display negotiable instruments derived from various sources. For example, a bank member can draft a check and have that check displayed at his banking institution. Additionally, this bank member can also display any other checks that the member has received. In fact, any check that is either credited or debited from the member's account can appear as a digital image for inspection by the member. Furthermore, any images of checks residing at other banking institutions can be synchronized with the member's institution to amount to a one-stop warehouse for digital images of negotiable instruments for inspection by the member, no matter from where these negotiable instruments may originate.
摘要翻译： 公开了具有计算机可执行指令的各种系统，方法和计算机可读介质，其显示从各种源导出的可转让票据。 例如，银行成员可以起草支票，并在其银行机构显示支票。 此外，该银行成员还可以显示该成员收到的任何其他支票。 事实上，任何从会员帐户中记入或借记的支票都可以显示为数字图像以供成员检查。 此外，居住在其他银行机构的支票的任何图像都可以与会员机构同步，以便成为可转让票据的数字图像的一站式仓库，供会员查看，无论这些可转让票据来自哪里。
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