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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：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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公开(公告)号：US09721236B2
公开(公告)日：2017-08-01
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
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.
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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
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。
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公开(公告)号：US20140052697A1
公开(公告)日：2014-02-20
申请号：US13589886
申请日：2012-08-20
申请人： Geoffrey R. Williams , Timmy L. Gauvin , Kerry M. Cantley , Deborah N. Bennett , Eric S. Sandoz, II , James F. Barrett, II , Joshua A. Beaudry
发明人： Geoffrey R. Williams , Timmy L. Gauvin , Kerry M. Cantley , Deborah N. Bennett , Eric S. Sandoz, II , James F. Barrett, II , Joshua A. Beaudry
IPC分类号： G06F17/30
CPC分类号： G06F17/30 , G06K9/03 , G06K9/186 , G06Q20/042
摘要： Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.
摘要翻译： 用于校正缺陷检查处理基准的装置，方法和介质。 该装置可以包括，并且方法和媒体可以涉及被配置为从存储器接收第一交易记录的接收器。 交易记录可以包括磁墨字符识别（MICR）行数据。 MICR线数据可以从支票电子读取。 交易记录可以包括非MICR数据。 非MICR数据可以从支票电子读取。 该装置可以包括，并且方法和介质可以包括被配置为识别MICR线数据中的有缺陷的数据的处理器。 处理器可以识别对应于有缺陷的数据的非MICR数据的一部分。 处理器可以在存储器中存储第二事务记录。 第二交易记录可以包括校正数据，其包括从非MICR数据的识别部分导出的元素。
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公开(公告)号：US08996476B2
公开(公告)日：2015-03-31
申请号：US13589886
申请日：2012-08-20
申请人： Geoffrey R. Williams , Timmy L. Gauvin , Kerry M. Cantley , Deborah N. Bennett , Eric S. Sandoz, II , James F. Barrett, II , Joshua A. Beaudry
发明人： Geoffrey R. Williams , Timmy L. Gauvin , Kerry M. Cantley , Deborah N. Bennett , Eric S. Sandoz, II , James F. Barrett, II , Joshua A. Beaudry
CPC分类号： G06F17/30 , G06K9/03 , G06K9/186 , G06Q20/042
摘要： Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.
摘要翻译： 用于校正缺陷检查处理基准的装置，方法和介质。 该装置可以包括，并且方法和媒体可以涉及被配置为从存储器接收第一交易记录的接收器。 交易记录可以包括磁墨字符识别（MICR）行数据。 MICR线数据可以从支票电子读取。 交易记录可以包括非MICR数据。 非MICR数据可以从支票电子读取。 该装置可以包括，并且方法和介质可以包括被配置为识别MICR线数据中的有缺陷的数据的处理器。 处理器可以识别对应于有缺陷的数据的非MICR数据的一部分。 处理器可以在存储器中存储第二事务记录。 第二交易记录可以包括校正数据，其包括从非MICR数据的识别部分导出的元素。
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公开(公告)号：US07717329B1
公开(公告)日：2010-05-18
申请号：US11739303
申请日：2007-04-24
CPC分类号： G06Q40/00 , B42F7/025 , B42P2201/04 , B42P2201/12 , B42P2221/02 , B65D27/04
摘要： The check carrier consists of an envelope of translucent material that is dimensioned to closely conform to the dimensions of a standard check. The back of the check carrier includes an endorsement window through which a bank or other financial institution can apply its endorsement stamp directly to the check. The bottom of the check carrier may be provided with an area for receiving the MICR printing such that the MICR can be read directly off of the carrier. The MICR area can be removed. The open end of the check carrier can be sealed closed using a repositionable adhesive. The adhesive can also be used interior of the check carrier such that the adhesive contacts the check to fix the check within the carrier.
摘要翻译： 支票托架由半透明材料的信封组成，其尺寸与标准支票的尺寸密切相符。 支票承运人的背面包括一个背书窗口，银行或其他金融机构可以通过该窗口将其背书邮票直接应用于支票。 检查载体的底部可以设置有用于接收MICR打印的区域，使得MICR可以直接从载体读取。 可以移除MICR区域。 支票托架的开口端可以使用可重新定位的粘合剂密封封闭。 粘合剂也可以用于支票托架的内部，使得粘合剂接触支票以将支票固定在托架内。
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公开(公告)号：US08272564B2
公开(公告)日：2012-09-25
申请号：US12727015
申请日：2010-03-18
CPC分类号： G06Q40/00 , B42F7/025 , B42P2201/04 , B42P2201/12 , B42P2221/02 , B65D27/04
摘要： The check carrier consists of an envelope of translucent material that is dimensioned to closely conform to the dimensions of a standard check. The back of the check carrier includes an endorsement window through which a bank or other financial institution can apply its endorsement stamp directly to the check. The bottom of the check carrier may be provided with an area for receiving the MICR printing such that the MICR can be read directly off of the carrier. The MICR area can be removed. The open end of the check carrier can be sealed closed using a repositionable adhesive. The adhesive can also be used interior of the check carrier such that the adhesive contacts the check to fix the check within the carrier.
摘要翻译： 支票托架由半透明材料的信封组成，其尺寸与标准支票的尺寸密切相符。 支票承运人的背面包括一个背书窗口，银行或其他金融机构可以通过该窗口将其背书邮票直接应用于支票。 检查载体的底部可以设置有用于接收MICR打印的区域，使得MICR可以直接从载体读取。 可以移除MICR区域。 支票托架的开口端可以使用可重新定位的粘合剂密封封闭。 粘合剂也可以用于支票托架的内部，使得粘合剂接触支票以将支票固定在托架内。
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公开(公告)号：US20100170945A1
公开(公告)日：2010-07-08
申请号：US12727015
申请日：2010-03-18
CPC分类号： G06Q40/00 , B42F7/025 , B42P2201/04 , B42P2201/12 , B42P2221/02 , B65D27/04
摘要： The check carrier consists of an envelope of translucent material that is dimensioned to closely conform to the dimensions of a standard check. The back of the check carrier includes an endorsement window through which a bank or other financial institution can apply its endorsement stamp directly to the check. The bottom of the check carrier may be provided with an area for receiving the MICR printing such that the MICR can be read directly off of the carrier. The MICR area can be removed. The open end of the check carrier can be sealed closed using a repositionable adhesive. The adhesive can also be used interior of the check carrier such that the adhesive contacts the check to fix the check within the carrier.
摘要翻译： 支票托架由半透明材料的信封组成，其尺寸与标准支票的尺寸密切相符。 支票承运人的背面包括一个背书窗口，银行或其他金融机构可以通过该窗口将其背书邮票直接应用于支票。 检查载体的底部可以设置有用于接收MICR打印的区域，使得MICR可以直接从载体读取。 可以移除MICR区域。 支票托架的开口端可以使用可重新定位的粘合剂密封封闭。 粘合剂也可以用于支票托架的内部，使得粘合剂接触支票以将支票固定在托架内。
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