公开(公告)号：US20120179609A1

公开(公告)日：2012-07-12

申请号：US13005331

申请日：2011-01-12

申请人： Zhongmin Agarwal ,  Hitesh Bajaj

发明人： Zhongmin Agarwal ,  Hitesh Bajaj

IPC分类号： G06Q40/00

CPC分类号： G06Q20/042 ,  G06Q20/3276

摘要： In general terms, some embodiments of the present invention relate to methods and apparatuses for automatically analyzing and/or capturing an image of a deposit item for use in a deposit transaction. In some embodiments, a method is provided that includes: (a) generating, by a remote capture device, an image of a deposit item, where the generating the image is based at least partially on the deposit item being exposed to the remote capture device; (b) determining, automatically by the remote capture device, that the image is satisfactory for reading deposit item information from the image, where the deposit item information is associated with the deposit item; and (c) performing, automatically by the remote capture device, a predetermined action, where the performing the predetermined action is based at least partially on the determining that the image is satisfactory for reading deposit item information from the image. In some embodiments, the performing the predetermined action includes capturing, automatically by the remote capture device, the image of the deposit item. In other embodiments, the performing the predetermined action includes prompting, automatically by the remote capture device, a user of the remote capture device to capture the image. In some embodiments, the method occurs in substantially real-time and/or while the deposit item is being exposed to the remote capture device.

摘要翻译： 一般来说，本发明的一些实施例涉及用于自动分析和/或捕获用于存款交易的存款项目的图像的方法和装置。 在一些实施例中，提供了一种方法，其包括：（a）由远程捕获设备生成存储项目的图像，其中生成图像至少部分地基于被暴露给远程捕获设备的存储项目 ; （b）由所述远程捕获装置自动确定所述图像对于从所述图像读取所述存款项目信息是令人满意的，其中所述存款项目信息与所述存款项目相关联; 以及（c）由所述远程捕获装置自动执行预定动作，其中，执行所述预定动作至少部分地基于所述图像对于从所述图像读取存储项目信息是令人满意的。 在一些实施例中，执行预定动作包括由远程捕获设备自动捕获存款项目的图像。 在其他实施例中，执行预定动作包括由远程捕获设备自动提示远程捕获设备的用户捕获图像。 在一些实施例中，该方法基本上实时地和/或当存款项目被暴露给远程捕获设备时发生。

公开(公告)号：US08244638B2

公开(公告)日：2012-08-14

申请号：US13005331

申请日：2011-01-12

申请人： Zhongmin Agarwal ,  Hitesh Bajaj

发明人： Zhongmin Agarwal ,  Hitesh Bajaj

IPC分类号： G06Q40/00

CPC分类号： G06Q20/042 ,  G06Q20/3276

摘要： In general terms, some embodiments of the present invention relate to methods and apparatuses for automatically analyzing and/or capturing an image of a deposit item for use in a deposit transaction. In some embodiments, a method is provided that includes: (a) generating, by a remote capture device, an image of a deposit item, where the generating the image is based at least partially on the deposit item being exposed to the remote capture device; (b) determining, automatically by the remote capture device, that the image is satisfactory for reading deposit item information from the image, where the deposit item information is associated with the deposit item; and (c) performing, automatically by the remote capture device, a predetermined action, where the performing the predetermined action is based at least partially on the determining that the image is satisfactory for reading deposit item information from the image. In some embodiments, the performing the predetermined action includes capturing, automatically by the remote capture device, the image of the deposit item. In other embodiments, the performing the predetermined action includes prompting, automatically by the remote capture device, a user of the remote capture device to capture the image. In some embodiments, the method occurs in substantially real-time and/or while the deposit item is being exposed to the remote capture device.

摘要翻译： 一般来说，本发明的一些实施例涉及用于自动分析和/或捕获用于存款交易的存款项目的图像的方法和装置。 在一些实施例中，提供了一种方法，其包括：（a）由远程捕获设备生成存储项目的图像，其中生成图像至少部分地基于被暴露给远程捕获设备的存储项目 ; （b）由所述远程捕获装置自动确定所述图像对于从所述图像读取所述存款项目信息是令人满意的，其中所述存款项目信息与所述存款项目相关联; 以及（c）由所述远程捕获装置自动执行预定动作，其中，执行所述预定动作至少部分地基于所述图像对于从所述图像读取存储项目信息是令人满意的。 在一些实施例中，执行预定动作包括由远程捕获设备自动捕获存款项目的图像。 在其他实施例中，执行预定动作包括由远程捕获设备自动提示远程捕获设备的用户捕获图像。 在一些实施例中，该方法基本上实时地和/或当存款项目被暴露给远程捕获设备时发生。

公开(公告)号：US08473412B2

公开(公告)日：2013-06-25

申请号：US12846208

申请日：2010-07-29

申请人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

发明人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

IPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/06

CPC分类号： G06Q20/10 ,  G06Q20/042 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/06

摘要： Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information.

摘要翻译： 本发明的实施例涉及用于处理图像的方法和装置，该图像显示多个存储项目，其中图像被远程捕获装置捕获。 例如，一些实施例提供了一种方法，其包括：（a）接收显示多个存款项目的图像，其中图像被远程捕获设备捕获; （b）至少部分地基于图像识别与多个存款项目相关联的存货项目信息; 和/或（c）至少部分地基于存款项目信息记入账户。

公开(公告)号：US09064248B2

公开(公告)日：2015-06-23

申请号：US12846250

申请日：2010-07-29

申请人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

发明人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

IPC分类号： G06Q40/00 ,  G06Q20/04 ,  G06Q40/02 ,  G07D11/00 ,  G06F19/00 ,  G06T1/00 ,  G06F3/12 ,  G06F17/00 ,  G07F19/00

CPC分类号： G06Q20/042 ,  G06F3/12 ,  G06F17/00 ,  G06F19/00 ,  G06Q40/02 ,  G06T1/00 ,  G07D11/00 ,  G07F19/202

摘要： Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) displaying a grid on a display associated with a remote capture device, where the remote capture device is configured to capture an image that shows multiple deposit items, and where the grid comprises a plurality of grid portions; and (b) prompting a user of the remote capture device to arrange the multiple deposit items, or to position or operate the remote capture device, such that each of the deposit items in the multiple deposit items appears in a single grid portion of the display before the image is captured.

摘要翻译： 本发明的实施例涉及用于处理图像的方法和装置，该图像显示多个存储项目，其中图像被远程捕获装置捕获。 例如，一些实施例提供了一种方法，其包括：（a）在与远程捕获设备相关联的显示器上显示网格，其中远程捕获设备被配置为捕获显示多个存款项目的图像，以及网格包括 多个网格部分; 和（b）提示远程捕获装置的用户安排多个存放物品，或者定位或操作远程捕获装置，使得多个存放物品中的每个存放物品出现在显示器的单个格栅部分中 在图像被捕获之前。

公开(公告)号：US08600789B1

公开(公告)日：2013-12-03

申请号：US12362833

申请日：2009-01-30

申请人： David Todd Frew ,  Gregory Clarence Brown ,  Melinda Karen Petty ,  George Miller Abernethy ,  Leslie Marie Doby ,  Pamela Rowland ,  Zhongmin Agarwal

发明人： David Todd Frew ,  Gregory Clarence Brown ,  Melinda Karen Petty ,  George Miller Abernethy ,  Leslie Marie Doby ,  Pamela Rowland ,  Zhongmin Agarwal

IPC分类号： G06Q10/00 ,  G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G06Q20/4016

摘要： An offending item detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The processing system may then analyze the captured documents to identify and flag suspected offending items such as duplicates. Suspected offending items may be removed from a processing stream and replaced by a substitute transaction to keep the financial system in balance and to reduce potential for processing backlog. In the meantime, the suspected offending item may be analyzed. If the item is a false positive, the substitute transaction may be canceled and the financial document reinserted into the processing stream. If the suspected item is a true offending item, the substitute transaction may be replaced by or converted into another transaction funded by a general suspense account.

摘要翻译： 提供了一种违规物品检测系统，用于分析和处理在一个或多个捕获位点处接收的文件。 物理文件可以在捕获位置被电子捕获，随后被传送到区域或中央处理系统。 然后，处理系统可以分析所捕获的文档以识别和标记可疑的违规物品，例如重复的物品。 怀疑的违规物品可能会从处理流中移除，并由替代交易代替，以使金融系统保持平衡，并减少处理积压的可能性。 同时，可能会分析疑似违规项目。 如果该项目为假阳性，替代交易可能会被取消，并将财务文件重新插入到处理流中。 如果可疑项目是真正的违规项目，则替代交易可以被替换为或转换为由一般暂挂账户资助的另一笔交易。

公开(公告)号：US08676706B2

公开(公告)日：2014-03-18

申请号：US12847622

申请日：2010-07-30

申请人： Alicia C. Jones ,  Zhongmin Agarwal ,  Mark D. Zanzot

发明人： Alicia C. Jones ,  Zhongmin Agarwal ,  Mark D. Zanzot

IPC分类号： G06Q40/00

CPC分类号： G06Q20/042 ,  G06Q20/108 ,  G06Q40/02

摘要： Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor.

摘要翻译： 本发明的实施例涉及系统，方法和计算机程序产品，用于使用检查成像技术来跟踪使用跟踪待检查支付的付款人的在线银行帐户来维护更新的支票寄存器。 本发明的一些实施例提供了一种计算机实现的方法，包括以下步骤：接收纸张支票的至少一部分的图像，其中所述部分包括要在金融账户上绘制的金额的指示，处理 所述图像确定所述金额，识别所述金融账户，以及记录与所述金融账户相关的金额，其中所述记录步骤在接收到所述支票已被呈现用于支付的指示之前发生。 此外，该方法还可以包括使财务帐户具有待付款的指示，以供付款人查看。

公开(公告)号：US20120030117A1

公开(公告)日：2012-02-02

申请号：US12846208

申请日：2010-07-29

申请人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

发明人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

IPC分类号： G06K9/62 ,  G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q20/042 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/06

摘要： Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information.

摘要翻译： 本发明的实施例涉及用于处理图像的方法和装置，该图像显示多个存储项目，其中图像被远程捕获装置捕获。 例如，一些实施例提供了一种方法，其包括：（a）接收显示多个存款项目的图像，其中图像被远程捕获设备捕获; （b）至少部分地基于图像识别与多个存款项目相关联的存货项目信息; 和/或（c）至少部分地基于存款项目信息记入账户。

公开(公告)号：US08380626B2

公开(公告)日：2013-02-19

申请号：US12846231

申请日：2010-07-29

申请人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

发明人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/108 ,  G06Q30/06

摘要： Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) determining that a first portion of the image is satisfactory for identifying deposit item information therein; (c) determining that a second portion of the image is unsatisfactory for identifying deposit item information therein; and (d) performing a function based at least partially on the determining that the second portion of the image is unsatisfactory for identifying deposit item information therein. In some embodiments, the function includes enhancing the second portion of the image. In other embodiments, the function includes prompting a user of the remote capture device to capture a second image to replace the second portion of the image.

摘要翻译： 本发明的实施例涉及用于处理图像的方法和装置，该图像显示多个存储项目，其中图像被远程捕获装置捕获。 例如，一些实施例提供了一种方法，其包括：（a）接收显示多个存款项目的图像，其中图像被远程捕获设备捕获; （b）确定图像的第一部分是令人满意的，用于识别其中的存款项目信息; （c）确定图像的第二部分不满足用于识别其中的存放项目信息; 和（d）至少部分地基于确定图像的第二部分不满足以识别其中的存款项信息来执行功能。 在一些实施例中，该功能包括增强图像的第二部分。 在其他实施例中，该功能包括提示远程捕获设备的用户捕获第二图像以替换图像的第二部分。

公开(公告)号：US20120030118A1

公开(公告)日：2012-02-02

申请号：US12846250

申请日：2010-07-29

申请人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

发明人： Lowell Robert Huff ,  Zhongmin Agarwal ,  David Todd Frew

IPC分类号： G06Q40/00

CPC分类号： G06Q20/042 ,  G06F3/12 ,  G06F17/00 ,  G06F19/00 ,  G06Q40/02 ,  G06T1/00 ,  G07D11/00 ,  G07F19/202

摘要： Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) displaying a grid on a display associated with a remote capture device, where the remote capture device is configured to capture an image that shows multiple deposit items, and where the grid comprises a plurality of grid portions; and (b) prompting a user of the remote capture device to arrange the multiple deposit items, or to position or operate the remote capture device, such that each of the deposit items in the multiple deposit items appears in a single grid portion of the display before the image is captured.

摘要翻译： 本发明的实施例涉及用于处理图像的方法和装置，该图像显示多个存储项目，其中图像被远程捕获装置捕获。 例如，一些实施例提供了一种方法，其包括：（a）在与远程捕获设备相关联的显示器上显示网格，其中远程捕获设备被配置为捕获显示多个存款项目的图像，以及网格包括 多个网格部分; 和（b）提示远程捕获装置的用户安排多个存放物品，或者定位或操作远程捕获装置，使得多个存放物品中的每个存放物品出现在显示器的单个格栅部分中 在图像被捕获之前。

公开(公告)号：US20120030105A1

公开(公告)日：2012-02-02

申请号：US12847622

申请日：2010-07-30

申请人： Alicia C. Jones ,  Zhongmin Agarwal ,  Mark D. Zanzot

发明人： Alicia C. Jones ,  Zhongmin Agarwal ,  Mark D. Zanzot

IPC分类号： G06Q40/00

CPC分类号： G06Q20/042 ,  G06Q20/108 ,  G06Q40/02

摘要： Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor.

摘要翻译： 本发明的实施例涉及系统，方法和计算机程序产品，用于使用检查成像技术来跟踪使用跟踪待检查支付的付款人的在线银行帐户来维护更新的支票寄存器。 本发明的一些实施例提供了一种计算机实现的方法，包括以下步骤：接收纸张支票的至少一部分的图像，其中所述部分包括要在金融账户上绘制的金额的指示，处理 所述图像确定所述金额，识别所述金融账户，以及记录与所述金融账户相关的金额，其中所述记录步骤在接收到所述支票已被呈现用于支付的指示之前发生。 此外，该方法还可以包括使财务帐户具有待付款的指示，以供付款人查看。