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    Systems and methods to use a digital camera to remotely deposit a negotiable instrument
    1.
    发明授权
    Systems and methods to use a digital camera to remotely deposit a negotiable instrument 有权
    使用数码相机远程存放可转让票据的系统和方法

    公开(公告)号：US08320657B1

    公开(公告)日：2012-11-27

    申请号：US11931804

    申请日：2007-10-31

    申请人： Rickey Dale Burks ,  Charles Lee Oakes, III ,  Randy Ray Morlen ,  Bharat Prasad ,  Michael Frank Morris ,  Xia Hua

    发明人： Rickey Dale Burks ,  Charles Lee Oakes, III ,  Randy Ray Morlen ,  Bharat Prasad ,  Michael Frank Morris ,  Xia Hua

    IPC分类号： G06K9/00

    CPC分类号： G06K9/3275 ,  G06Q20/042 ,  G06Q20/3276

    摘要： To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.

    摘要翻译： 为了以电子方式存入可转让票据，可以使用数字图像。 本文描述了促进使用数字照相机来提供数字图像的系统和方法。 用户可以捕获可协商仪器的图像以创建数字图像。 数字图像可以被压缩并保存为数字图像文件。 然后，用户可以将数字图像文件发送到诸如银行的金融机构，将从可转让票据的账户中提取的资金存入用户账户。 金融机构可以从帐户持有者接收由数码相机创建的数字图像文件，并使用数字图像文件处理存款请求。

    Systems and methods for secure online repositories
    2.
    发明授权
    Systems and methods for secure online repositories 有权

    公开(公告)号：US09710615B1

    公开(公告)日：2017-07-18

    申请号：US11863060

    申请日：2007-09-27

    申请人： Randy Ray Morlen ,  Charles Lee Oakes, III ,  Rickey Dale Burks

    发明人： Randy Ray Morlen ,  Charles Lee Oakes, III ,  Rickey Dale Burks

    IPC分类号： G06F21/00 ,  G06F21/10

    CPC分类号： G06F21/10

    摘要： Mechanisms are disclosed herein for storing various records. Numerous keys and parties can access online repositories. These repositories contain a plurality of lockboxes, structured hierarchically and otherwise, providing public and private areas with varying levels of access. Some content of such lockboxes can be sharable. These lockboxes can be used not only to store diverse content, ranging from birth certificates to deeds and social security numbers, but they can also be accessed in a variety of ways. For example, keys to lockboxes can be made available by such events as the issuing of death certificates or birth certificates. Alternatively, keys can be issued according to various rules and heuristics stipulated by lockbox users. In either case, the plurality of lockboxes residing in repositories can be configured to provide centralized storage facilities that are secure and readily accessible from various computing devices.

    Systems and methods for virtual banking
    3.
    发明授权
    Systems and methods for virtual banking 有权
    虚拟银行系统和方法

    公开(公告)号：US08577805B1

    公开(公告)日：2013-11-05

    申请号：US11781911

    申请日：2007-07-23

    申请人： Charles Lee Oakes, III ,  Rickey Dale Burks ,  Randy Ray Morlen

    发明人： Charles Lee Oakes, III ,  Rickey Dale Burks ,  Randy Ray Morlen

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/40145 ,  G06F21/31 ,  G06Q20/0655 ,  G06Q20/108 ,  G06Q20/3223 ,  G06Q20/3227 ,  G06Q20/351 ,  G06Q20/363 ,  G06Q20/3672 ,  G06Q20/3676

    摘要： Mechanisms for virtual banking are disclosed herein that provide experiences to users as if they were actually interacting with a branch office bank. For instance, virtual lockboxes are provided to users, and users can fill these lockboxes with the type of digital data that would traditionally be placed in a branch office bank lockbox. Birth certificates, social security numbers, wills, etc., can be uploaded from a user's remote computing device to a server associated with a bank. In another aspect, currency cards are disclosed that mimic cash withdrawal (or deposit) transactions users might engage in at typical branch offices. For example, users can download money from a bank server onto a currency card located at some remote location (or, alternatively, upload money from the card to the server, which would amount to a deposit being made to the bank).

    摘要翻译： 本文公开了虚拟银行的机制，其向用户提供了与分支机构银行实际交互的经验。 例如，虚拟锁箱被提供给用户，并且用户可以用传统上被放置在分支办公室银行锁箱中的数字数据的类型来填充这些锁箱。 出生证明，社会保险号码，遗嘱等可以从用户的远程计算设备上传到与银行相关的服务器。 另一方面，公开了模拟用户可能在典型分支机构进行的现金提取（或存款）交易的货币卡。 例如，用户可以将银行服务器的钱下载到位于某个远程位置的货币卡上（或者将钱从卡上传到服务器，这相当于存入银行）。

    Systems and methods for automated institutional processing of payments
    5.
    发明授权
    Systems and methods for automated institutional processing of payments 有权
    自动化机构处理付款的系统和方法

    公开(公告)号：US08712801B1

    公开(公告)日：2014-04-29

    申请号：US11782564

    申请日：2007-07-24

    申请人： Charles Lee Oakes, III ,  Rickey Dale Burks ,  Randy Ray Morlen

    发明人： Charles Lee Oakes, III ,  Rickey Dale Burks ,  Randy Ray Morlen

    IPC分类号： G06Q40/08

    CPC分类号： G06Q10/10

    摘要： Various mechanisms are provided herein for automated institutional processing of payments. For example, fund can be transferred from one party to another party by transfer of funds from a static account into a dynamically created transaction account. Such a transfer can have additional features, including the refunding of the transfer funds and revocation thereof. According to another example, insurance claims can be automatically processed by transferring funds when claims are filed (with or without evidentiary documents). Such transfers can then be validated afterwards. Thus, when claims are received, they can be quickly examined for the relevant fields, such as claim amount, and then the amount can be disbursed in a matter of minutes after receiving a claim submission. Such disbursement, moreover, can be governed according to various heuristics, including the trustworthiness of claimants and rules regarding maximum disbursement amounts.

    摘要翻译： 本文提供了各种机制，用于自动化支付系统处理。 例如，通过将资金从静态账户转移到动态创建的交易账户中，资金可以从一方转移到另一方。 这种转移可以具有额外的功能，包括转移资金的退还和撤销。 根据另一个例子，保险索赔可以在提出索赔时转移资金（有或没有证据文件）自动处理。 此后可以验证此类转移。 因此，当收到索赔时，可以迅速检查相关领域，例如索赔额，然后可以在收到索赔提交后的几分钟内支付金额。 此外，这种支付可以根据各种启发式管理，包括索赔人的可信赖性和关于最大支付金额的规则。