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    • 37. 发明授权
    • Method and system for sorting checks according to a priority order associated with the account number
    • 根据与帐号相关联的优先级顺序排序检查的方法和系统
    • US08078539B2
    • 2011-12-13
    • US10714802
    • 2003-11-17
    • Robert A. CorderyLeon A. Pintsov
    • Robert A. CorderyLeon A. Pintsov
    • G06Q40/00
    • G06Q40/02G06Q20/042G06Q20/108
    • An improved check sorting system capable of ordering cancelled checks for a plurality of accounts in a predetermined manner other than by account number is provided. Checks are ordered according to a priority value associated with the account number, and optionally check number, identified by each check. A database is utilized to store information indexed by institution and/or account number and optionally check number. The information includes a priority value. The check sorting system scans each check and reads the MICR code from each check. The institution and/or account number, and possibly check number, from each check are used as pointers to obtain the priority value for that check. The check is then sorted based on the priority value obtained from the database.
    • 提供一种改进的检查分拣系统,其能够以除了帐号之外的预定方式对多个帐户排序取消的检查。 检查根据与帐号相关联的优先级值进行排序,并且可选地检查每个检查标识的号码。 数据库用于存储由机构和/或帐号索引的信息以及可选的检查号码。 信息包括优先级值。 检查排序系统扫描每个检查,并从每个检查读取MICR代码。 每个检查中的机构和/或帐号以及可能的检查号都用作指针来获取该检查的优先级值。 然后基于从数据库获得的优先级值对检查进行排序。
    • 39. 发明授权
    • Method and system for postdating of financial transactions
    • 金融交易后期方法和制度
    • US07434726B2
    • 2008-10-14
    • US11434331
    • 2006-05-15
    • Bradley R. HammellMatthew J. CampagnaRobert A. CorderyBertrand HaasLeon A. Pintsov
    • Bradley R. HammellMatthew J. CampagnaRobert A. CorderyBertrand HaasLeon A. Pintsov
    • G06F19/00
    • G06Q20/3823G06Q20/04G06Q20/10G06Q20/40
    • Methods and systems that prevent completion of postdated financial transactions until the specified future date is provided. A portion of the information necessary to complete a financial transaction is encrypted utilizing an identity-based encryption (IBE) scheme. The encryption key used to encrypt the information is associated with the date on which the transaction is authorized to be completed. The encrypted information is provided to the payee. The issuing bank provides a daily decryption key that allows decryption of information encrypted using the key associated with the corresponding date. Thus, only when the maturity date of the transaction has arrived will the payee or depositing bank be able to obtain the decryption key that will decrypt the encrypted information necessary to complete the transaction. Since the encrypted information can not be decrypted until the date associated with the encryption key, the financial transaction can not be completed until such date.
    • 提供在指定的未来日期之前阻止完成后期金融交易的方法和系统。 使用基于身份的加密(IBE)方案来加密完成金融交易所需的一部分信息。 用于加密信息的加密密钥与交易被授权完成的日期相关联。 加密信息被提供给收款人。 开证行提供每日解密密钥,允许使用与相应日期相关联的密钥加密的信息进行解密。 因此,只有当交易的到期日到来时,收款人或存款银行才能获得将解密完成交易所必需的加密信息的解密密钥。 由于加密信息在与加密密钥相关的日期之前不能被解密,所以直到这样的日子才能完成金融交易。