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公开(公告)号：US20130103583A1
公开(公告)日：2013-04-25
申请号：US13280533
申请日：2011-10-25
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。
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公开(公告)号：US07421153B1
公开(公告)日：2008-09-02
申请号：US10827203
申请日：2004-04-19
申请人： James G. Ronca , David T. Frew
发明人： James G. Ronca , David T. Frew
CPC分类号： G07F19/206 , G06Q20/04 , G06Q20/227 , G06Q40/02
摘要： A system and method for processing financial information is provided. A client request may be received through an application program interface (API). A first set of data based on the client request may be retrieved through the API from a first information repository comprising information on debit transactions and credit transactions. The first set of results may be transmitted to the client application for display. A second client request based on the first set of results may be received through the API from the client application, and a second set of data may be retrieved through the API from a second information repository comprising information on credit transactions and component deposit items. The second set of results may be transmitted back to the client application for display. A third client request based on the second set of results may be received, and corresponding financial image information may be retrieved from an image information repository and transmitted back to the client application for display.
摘要翻译： 提供了一种处理财务信息的系统和方法。 客户端请求可以通过应用程序接口（API）接收。 基于客户端请求的第一组数据可以通过API从包含有关借记交易和信用交易的信息的第一信息存储库检索。 第一组结果可以传送给客户端应用程序进行显示。 基于第一组结果的第二客户端请求可以通过来自客户端应用的API接收，并且可以通过API从第二信息库中检索第二组数据，该第二信息库包括关于信用交易和分量存款项的信息。 第二组结果可能会传回客户端应用程序进行显示。 可以接收基于第二组结果的第三客户端请求，并且可以从图像信息库检索相应的财务图像信息，并将其发送回客户端应用程序进行显示。
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公开(公告)号：US20130080275A1
公开(公告)日：2013-03-28
申请号：US13200455
申请日：2011-09-23
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。
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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。
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公开(公告)号：US09111269B2
公开(公告)日：2015-08-18
申请号：US13200433
申请日：2011-09-23
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。
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公开(公告)号：US20140040141A1
公开(公告)日：2014-02-06
申请号：US13564971
申请日：2012-08-02
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。
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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。
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公开(公告)号：US20130080272A1
公开(公告)日：2013-03-28
申请号：US13200482
申请日：2011-09-23
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/3223 , G06Q20/385 , G06Q30/06
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 receive, from the customer, a selection of a first account from among a plurality of accounts, wherein the selection of the first account is received from the customer when the customer is located at a facility associated with the merchant. The transaction module also obtains an account number associated with the first account, each account of the plurality of accounts being associated with an account number. 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 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交易模块和销售点界面。 交易模块可操作以从客户接收多个帐户中的第一帐户的选择，其中当客户位于与商家相关联的设施时，从客户接收到第一帐户的选择。 交易模块还获得与第一帐户相关联的帐号，多个帐户的每个帐户与帐号相关联。 销售点界面可操作地将交易请求传送到与商家相关联的销售点接收者，该交易请求包括与第一帐户相关联的帐号。
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公开(公告)号：US09070010B2
公开(公告)日：2015-06-30
申请号：US13567780
申请日：2012-08-06
申请人： Geoffrey R. Williams , Timmy L. Gauvin , Eric S. Sandoz , Kerry M. Cantley , Leslie M. LaRock , James F. Barrett, II , James G. Ronca , Deborah N. Bennett , Joshua A. Beaudry
发明人： Geoffrey R. Williams , Timmy L. Gauvin , Eric S. Sandoz , Kerry M. Cantley , Leslie M. LaRock , James F. Barrett, II , James G. Ronca , Deborah N. Bennett , Joshua A. Beaudry
CPC分类号： G06K9/00449 , G06K9/00469 , G06K9/00852 , G06K9/2063 , G06K9/2072 , G06K2209/01 , G06Q20/042
摘要： Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
摘要翻译： 基于手写检查内容导出交易记录的装置，方法和媒体。 该装置可以包括，并且方法和媒体可以涉及被配置为接收检查图像的接收机设备。 该装置可以包括处理器设备，并且方法和介质可以涉及处理器设备。 处理器设备可以被配置为在检查图像内定义检查段; 将片段中的内容从手写翻译成估计的块文字; 并将块文本存储在机器可读存储器中的事务记录中。 该装置可以包括，并且方法和媒体可以涉及被配置为将块文本发送到金融机构产品引擎的发射机。
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公开(公告)号：US20140037182A1
公开(公告)日：2014-02-06
申请号：US13567780
申请日：2012-08-06
申请人： Geoffrey R. Williams , Timmy L. Gauvin , Eric S. Sandoz , Kerry M. Cantley , Leslie M. LaRock , James F. Barrett, II , James G. Ronca , Deborah N. Bennett , Joshua A. Beaudry
发明人： Geoffrey R. Williams , Timmy L. Gauvin , Eric S. Sandoz , Kerry M. Cantley , Leslie M. LaRock , James F. Barrett, II , James G. Ronca , Deborah N. Bennett , Joshua A. Beaudry
IPC分类号： G06K9/78
CPC分类号： G06K9/00449 , G06K9/00469 , G06K9/00852 , G06K9/2063 , G06K9/2072 , G06K2209/01 , G06Q20/042
摘要： Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
摘要翻译： 基于手写检查内容导出交易记录的装置，方法和媒体。 该装置可以包括，并且方法和媒体可以涉及被配置为接收检查图像的接收机设备。 该装置可以包括处理器设备，并且方法和介质可以涉及处理器设备。 处理器设备可以被配置为在检查图像内定义检查段; 将片段中的内容从手写翻译成估计的块文字; 并将块文本存储在机器可读存储器中的事务记录中。 该装置可以包括，并且方法和媒体可以涉及被配置为将块文本发送到金融机构产品引擎的发射机。
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