利索-全球专利检索

  1. 登录
  2. 注册

搜索结果

17 条记录 (耗时 0.042 秒)

    DISTRIBUTED PROCESSING OF A CHECK IMAGE
    4.
    发明申请
    DISTRIBUTED PROCESSING OF A CHECK IMAGE 有权
    检查图像的分布式处理

    公开(公告)号：US20140046841A1

    公开(公告)日：2014-02-13

    申请号：US13570476

    申请日：2012-08-09

    申请人： Timmy L. Gauvin ,  Kerry M. Cantley ,  Deborah N. Bennett ,  Eric S. Sandoz ,  Geoffrey R. Williams ,  James G. Ronca

    发明人： Timmy L. Gauvin ,  Kerry M. Cantley ,  Deborah N. Bennett ,  Eric S. Sandoz ,  Geoffrey R. Williams ,  James G. Ronca

    IPC分类号： G06Q40/02 ,  G06Q20/22

    CPC分类号： G06Q20/042 ,  G06Q40/02

    摘要： Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions.

    摘要翻译： 提供了用于检查图像的分布式处理的装置和方法。 收款人可以提出存款可转让票据的请求。 该请求可以在第一个金融机构收到。 可转让票据可以是支票。 交易记录可以在请求时生成。 交易记录可以基于手写或打印在可转让票据上的信息。 交易记录可以传送到第二个金融机构。 第二家金融机构可以根据交易记录进行欺诈分析。 第二家金融机构可以向第一家金融机构发送欺诈指标。 根据欺诈指标，第一机构可以接受或拒绝收款人的要求。 装置和方法可以分发与欺诈性可转让票据的检测相关联的计算资源。 资源可以分配到第一和第二金融机构。

    USE OF CHECK-FACE META-DATA FOR ENHANCED TRANSACTION PROCESSING
    5.
    发明申请
    USE OF CHECK-FACE META-DATA FOR ENHANCED TRANSACTION PROCESSING 审中-公开
    使用检查表格元数据进行增强交易处理

    公开(公告)号：US20140040141A1

    公开(公告)日：2014-02-06

    申请号：US13564971

    申请日：2012-08-02

    申请人： Timmy L. Gauvin ,  Kerry M. Cantley ,  James G. Ronca ,  Leslie M. LaRock

    发明人： Timmy L. Gauvin ,  Kerry M. Cantley ,  James G. Ronca ,  Leslie M. LaRock

    IPC分类号： G06Q40/02

    CPC分类号： G06Q20/042 ,  G06K9/00449 ,  G06K9/2063 ,  G06K2209/01 ,  G06Q40/02

    摘要： A computer-readable media storing computer-executable instructions for using a check deposit device to process a check is provided. The method derives meta-data from the check. The check deposit device may use an image receiver device to obtain a check image from the check. The method may use the processor to define a plurality of check segments within the check image. The processor device may obtain content from each of the plurality of check segments. The processor device may be store the content of each of the check segments in a machine readable memory and may utilize a transmitter to transmit the content from the plurality of check segments to a check-clearance engine. The check deposit device may receive from the check-clearance engine, in response to the transmission of the portion of the content from the plurality of check segments, an indication of the sufficiency of funds in an account.

    摘要翻译： 提供了存储用于使用支票存款设备处理支票的计算机可执行指令的计算机可读介质。 该方法从检查中导出元数据。 支票存款装置可以使用图像接收装置从支票获得支票图像。 该方法可以使用处理器来在检查图像内定义多个检查段。 处理器设备可以从多个检查段中的每一个获取内容。 处理器设备可以将每个检查段的内容存储在机器可读存储器中，并且可以利用发射器将内容从多个检查段传送到检查间隙引擎。 支票存款设备可以响应于来自多个支票分段的内容的部分的传输，从检查清除引擎收到账户中资金足够的指示。

    Universal Cash Account
    6.
    发明申请
    Universal Cash Account 审中-公开
    通用现金账户

    公开(公告)号：US20130103583A1

    公开(公告)日：2013-04-25

    申请号：US13280533

    申请日：2011-10-25

    申请人： James G. Ronca ,  David T. Frew ,  Tony England ,  Lisa Gibson ,  Christopher R. Griggs

    发明人： James G. Ronca ,  David T. Frew ,  Tony England ,  Lisa Gibson ,  Christopher R. Griggs

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/36

    摘要： According to one embodiment, an apparatus may include a memory and a processor. The memory may be operable to store a cash account associated with a cash value and a user. The processor may be operable to receive a request from the user to pay an amount from the cash account. The processor may determine, in response to the request, whether the amount exceeds the cash value associated with the cash account. The processor may then decrease the cash value associated with the cash account by the amount if the amount does not exceed the cash value of the cash account. The processor may then send a notification that includes the decreased cash value associated with the cash account. The apparatus may be associated with an enterprise and the enterprise may exclusively process the request.

    摘要翻译： 根据一个实施例，装置可以包括存储器和处理器。 存储器可以可操作地存储与现金价值和用户相关联的现金账户。 处理器可操作以接收来自用户的请求以从现金账户支付金额。 处理器可以响应于该请求确定该金额是否超过与该现金账户相关联的现金值。 然后，如果金额不超过现金账户的现金值，则处理器可以将与现金账户相关联的现金值减少该金额。 然后，处理器可以发送包括与现金账户相关联的减少的现金值的通知。 该设备可以与企业相关联，并且企业可以专门处理该请求。

    Transaction device and processing system
    7.
    发明申请
    Transaction device and processing system 审中-公开
    交易设备和处理系统

    公开(公告)号：US20130080275A1

    公开(公告)日：2013-03-28

    申请号：US13200455

    申请日：2011-09-23

    申请人： James G. Ronca ,  Mark D. Zanzot ,  Christopher R. Griggs ,  Lisa Gibson

    发明人： James G. Ronca ,  Mark D. Zanzot ,  Christopher R. Griggs ,  Lisa Gibson

    IPC分类号： G06Q20/20

    CPC分类号： G06Q20/20 ,  G06Q20/227 ,  G06Q20/3223 ,  G06Q20/385

    摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to identify a first account and obtain an obfuscated account number, the obfuscated account number being a temporary-use number associated with a permanent account number of the first account. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the obfuscated account number.

    摘要翻译： 根据一些实施例，用于在客户和商家之间执行交易的交易设备包括交易模块和销售点界面。 交易模块可操作以识别第一帐户并获得混淆的帐号，所述混淆帐号是与第一帐户的永久帐号相关联的临时使用号码。 销售点界面可操作地将交易请求发送到与商家相关联的销售点接收方，该交易请求包括混淆帐号。

    Generation And Use Of Transaction Records With Imaging
    8.
    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。

    Transaction device and processing system
    9.
    发明授权
    Transaction device and processing system 有权
    交易设备和处理系统

    公开(公告)号：US09111269B2

    公开(公告)日：2015-08-18

    申请号：US13200433

    申请日：2011-09-23

    申请人： James G. Ronca ,  Mark D. Zanzot ,  Christopher R. Griggs ,  Lisa Gibson

    发明人： James G. Ronca ,  Mark D. Zanzot ,  Christopher R. Griggs ,  Lisa Gibson

    IPC分类号： G06Q40/00 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/32

    CPC分类号： G06Q20/20 ,  G06Q20/3278

    摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises an account selection engine and a communication link. The account selection engine operable to receive information identifying at least one characteristic of a proposed transaction, identify a plurality of accounts associated with the customer, and select a first account from among the plurality of accounts based on the at least one characteristic. The communication link is operable to transmit identification of the first account to a point of sale interface of a transaction device, the point of sale interface operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising an account number associated with the first account.

    摘要翻译： 根据一些实施例，用于在客户和商家之间执行交易的交易设备包括帐户选择引擎和通信链路。 帐户选择引擎可操作以接收标识所提议的交易的至少一个特征的信息，识别与该客户相关联的多个账户，并且基于该至少一个特征从多个帐户中选择第一帐户。 通信链路可操作以将第一帐户的标识传送到交易设备的销售点界面，该销售点接口可操作以将交易请求发送到与商家相关联的销售点接收点，该交易请求包括一个 与第一个帐户关联的帐号。

    DOCUMENT INDEXING AND DELIVERY SYSTEM
    10.
    发明申请
    DOCUMENT INDEXING AND DELIVERY SYSTEM 审中-公开
    文件索引和传送系统

    公开(公告)号：US20080104022A1

    公开(公告)日：2008-05-01

    申请号：US11554617

    申请日：2006-10-31

    申请人： James G. Ronca

    发明人： James G. Ronca

    IPC分类号： G06F17/30

    CPC分类号： G06F16/2272 ,  G06F16/93 ,  G06Q10/10 ,  G06Q40/00

    摘要： A document indexing and delivery system is disclosed. Embodiments of the present invention provide an agent-based delivery platform to supply financial document images in a variety of formats to fulfill requests from various clients of an image processing system at a financial institution. Workflows can be created using extensible markup language (XML) to direct the operation of the system. Software agents on the system can include a client agent, a delivery agent, an index agent, a format agent, an image agent, and/or a workflow agent. The workflow agent manages the execution of the workflow. Images and relevant data can be located using a master index residing in partitioned, high-speed databases.

    摘要翻译： 公开了一种文件索引和传送系统。 本发明的实施例提供了一种基于代理的递送平台，用于以各种格式提供财务文档图像，以满足来自金融机构的图像处理系统的各种客户端的请求。 可以使用可扩展标记语言（XML）创建工作流程，以指导系统的操作。 系统上的软件代理可以包括客户端代理，递送代理，索引代理，格式代理，图像代理和/或工作流代理。 工作流代理管理工作流的执行。 可以使用驻留在分区高速数据库中的主索引来定位图像和相关数据。