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    Real time financial instrument image exchange system and method
    3.
    发明授权
    Real time financial instrument image exchange system and method 有权
    实时金融仪器图像交换系统及方法

    公开(公告)号：US07761358B2

    公开(公告)日：2010-07-20

    申请号：US12420484

    申请日：2009-04-08

    申请人： Mark S. Craig ,  Michael M. Miller ,  Charles H. Downs, Jr.

    发明人： Mark S. Craig ,  Michael M. Miller ,  Charles H. Downs, Jr.

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/04 ,  G06Q20/0425 ,  G06Q40/00

    摘要： A real time financial instrument image exchange system and method deliver a digital image of a financial instrument (for example, a bank check) very quickly through an image exchange network to a payor institution by promptly forwarding the digital image when it is created at a depositing institution. This may expedite pay or return decisions to be made by payor institutions, which may enable banks to truncate checks, to reduce fraud and its costs, and to facilitate compliance with banking regulations. Such image capture, as well as related data capture, and real-time transfer enable emulation to an item processing system of the payor institution whereby the payor's item processing system processes the image and data as if it did the original capture actually performed at the depositing institution.

    摘要翻译： 实时金融工具图像交换系统和方法通过图像交换网络将金融工具的数字图像（例如，银行支票）提供给付款机构，在数字图像创建时立即转发数字图像 机构。 这可能会加快付款机构的付款或退款决定，这可能会使银行截断支票，减少欺诈及其成本，并有助于遵守银行法规。 这样的图像捕获以及相关的数据捕获和实时传输使得能够对付款机构的物品处理系统进行仿真，由此付款人的物品处理系统处理图像和数据，就好像它在存款中实际执行原始捕获一样 机构。

    REAL TIME FINANCIAL INSTRUMENT IMAGE EXCHANGE SYSTEM AND METHOD
    7.
    发明申请
    REAL TIME FINANCIAL INSTRUMENT IMAGE EXCHANGE SYSTEM AND METHOD 有权
    实时金融仪器图像交换系统及方法

    公开(公告)号：US20090198606A1

    公开(公告)日：2009-08-06

    申请号：US12420484

    申请日：2009-04-08

    申请人： Mark S. Craig ,  Michael M. Miller ,  Charles H. Downs, JR.

    发明人： Mark S. Craig ,  Michael M. Miller ,  Charles H. Downs, JR.

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/04 ,  G06Q20/0425 ,  G06Q40/00

    摘要： A real time financial instrument image exchange system and method deliver a digital image of a financial instrument (for example, a bank check) very quickly through an image exchange network to a payor institution by promptly forwarding the digital image when it is created at a depositing institution. This may expedite pay or return decisions to be made by payor institutions, which may enable banks to truncate checks, to reduce fraud and its costs, and to facilitate compliance with banking regulations. Such image capture, as well as related data capture, and real-time transfer enable emulation to an item processing system of the payor institution whereby the payor's item processing system processes the image and data as if it did the original capture actually performed at the depositing institution.

    摘要翻译： 实时金融工具图像交换系统和方法通过图像交换网络将金融工具的数字图像（例如，银行支票）提供给付款机构，在数字图像创建时立即转发数字图像 机构。 这可能会加快付款机构的付款或退款决定，这可能会使银行截断支票，减少欺诈及其成本，并有助于遵守银行法规。 这样的图像捕获以及相关的数据捕获和实时传输使得能够对付款机构的物品处理系统进行仿真，由此付款人的物品处理系统处理图像和数据，就好像它在存款中实际执行原始捕获一样 机构。

    High efficiency magnetic sensor for magnetic particles
    8.
    发明授权
    High efficiency magnetic sensor for magnetic particles 失效
    用于磁性颗粒的高效率磁传感器

    公开(公告)号：US06844202B2

    公开(公告)日：2005-01-18

    申请号：US10226049

    申请日：2002-08-23

    申请人： Gary A. Prinz ,  Michael M. Miller

    发明人： Gary A. Prinz ,  Michael M. Miller

    IPC分类号： G01N33/58 ,  G01N15/10 ,  G01N27/72 ,  G01N33/543 ,  G01R33/09 ,  G11C11/15 ,  G01N33/553

    CPC分类号： G11C11/15 ,  G01N27/745 ,  G01N33/54326

    摘要： A magnetic sensing element detects the presence of magnetic particles in a binding assay. The magnetic sensing element has at least one planar layer of electrically conductive ferromagnetic material that has an initial state in which the material has a circular magnetic moment within the plane of the layer. The magnetic sensing element has molecules of a first specific binding member attached to it. The device also includes a fluid test medium to which the magnetic sensing element is exposed during the course of a binding assay. The fluid test medium includes magnetizable particles that become immobilized during the assay in relation to the amount of analyte in the test medium. The relative size of the magnetic particle and the magnetic sensing element and the location of the molecules of the first specific binding member on the magnetic sensing element are selected so that when the magnetic particle becomes immobilized with respect to the magnetic sensing element, the radial fringing field of the magnetic particle causes the magnetic moment of at least one layer of electrically conductive ferromagnetic material to shift from circular to radial, thereby causing a detectable change in the electrical resistance of the magnetic sensing element.

    摘要翻译： 磁感应元件在结合测定中检测磁性颗粒的存在。 磁传感元件具有至少一个导电铁磁材料的平面层，其具有初始状态，其中该材料在该层的平面内具有圆形磁矩。 磁传感元件具有连接到其上的第一特定结合构件的分子。 该装置还包括流体测试介质，磁性感测元件在结合测定过程中暴露于其中。 流体测试介质包括在测定期间相对于测试介质中的分析物的量变得固定的可磁化颗粒。 选择磁性粒子和磁感应元件的相对尺寸以及第一特定结合件在磁感应元件上的分子的位置，使得当磁性颗粒相对于磁敏元件固定时，径向条纹 磁性颗粒的磁场使得至少一层导电铁磁材料的磁矩从圆形向径向移动，从而导致磁感测元件的电阻的可检测变化。

    High efficiency magnetic sensor for magnetic particles
    9.
    发明授权
    High efficiency magnetic sensor for magnetic particles 失效
    用于磁性颗粒的高效率磁传感器

    公开(公告)号：US06468809B1

    公开(公告)日：2002-10-22

    申请号：US09497754

    申请日：2000-02-04

    申请人： Gary A. Prinz ,  Michael M. Miller

    发明人： Gary A. Prinz ,  Michael M. Miller

    IPC分类号： G01N33553

    CPC分类号： G11C11/15 ,  G01N27/745 ,  G01N33/54326

    摘要： A magnetic sensing element detects the presence of magnetic particles in a binding assay. The magnetic sensing element has at least one planar layer of electrically conductive ferromagnetic material that has an initial state in which the material has a circular magnetic moment within the plane of the layer. The magnetic sensing element has molecules of a first specific binding member attached to it. The device also includes a fluid test medium to which the magnetic sensing element is exposed during the course of a binding assay. The fluid test medium includes magnetizable particles that become immobilized during the assay in relation to the amount of analyte in the test medium. The relative size of the magnetic particle and the magnetic sensing element and the location of the molecules of the first specific binding member on the magnetic sensing element arc selected so that when the magnetic particle becomes immobilized with respect to the magnetic sensing element, the radial fringing field of the magnetic particle causes the magnetic moment of at least one layer of electrically conductive ferromagnetic material to shift from circular to radial, thereby causing a detectable change in the electrical resistance of the magnetic sensing element.

    摘要翻译： 磁感应元件在结合测定中检测磁性颗粒的存在。 磁传感元件具有至少一个导电铁磁材料的平面层，其具有初始状态，其中该材料在该层的平面内具有圆形磁矩。 磁传感元件具有连接到其上的第一特定结合构件的分子。 该装置还包括流体测试介质，磁性感测元件在结合测定过程中暴露于其中。 流体测试介质包括在测定期间相对于测试介质中的分析物的量变得固定的可磁化颗粒。 选择磁性粒子和磁性感测元件的相对尺寸以及磁性感测元件上的第一特定结合构件的分子的位置，使得当磁性颗粒相对于磁敏元件固定时，径向条纹 磁性颗粒的磁场使得至少一层导电铁磁材料的磁矩从圆形向径向移动，从而导致磁感测元件的电阻的可检测变化。