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1. 发明授权

US08238638B2 Tag validation for efficiently assessing electronic check image quality 有权
标题翻译：标签验证，有效地评估电子检查图像质量
公开(公告)号：US08238638B2
公开(公告)日：2012-08-07
申请号：US12012079
申请日：2008-01-31
申请人： Randall Lee Mueller , Thomas Edwin Schaadt , Benjamin T. Breeden, Jr. , V. Srinivas Nori
发明人： Randall Lee Mueller , Thomas Edwin Schaadt , Benjamin T. Breeden, Jr. , V. Srinivas Nori
IPC分类号： G06K9/00
CPC分类号： G06K9/036
摘要： Efficiently assessing the quality of an electronic check image by determining whether the check image is suitable for image quality analysis prior to performing the image quality analysis. A check processing module of a check processor can determine whether the check image is suitable for image quality analysis by validating certain tags in the image. For example, such validation can include determining whether the check image includes certain mandatory tags and whether any optional tags present in the image are valid. The check processing module can determine that the check image is not suitable for image quality analysis if it does not include the mandatory tags or if it includes any invalid optional tags. The check processing module can assign a failure value to any check image that is not suitable for image quality analysis. The failure value can indicate a reason for the unsuitability of the check image.
摘要翻译：通过在执行图像质量分析之前确定检查图像是否适于图像质量分析来有效地评估电子检查图像的质量。检查处理器的检查处理模块可以通过验证图像中的某些标签来确定检查图像是否适于图像质量分析。例如，这种验证可以包括确定检查图像是否包括某些强制性标签以及图像中存在的任何可选标签是否有效。如果检查处理模块不包括强制性标签或者包括任何无效的可选标签，则可以确定检查图像不适合于图像质量分析。检查处理模块可以为不适合图像质量分析的任何检查图像分配故障值。故障值可能表示检查图像不合适的原因。

2. 发明申请

US20090196485A1 Tag validation for efficiently assessing electronic check image quality 有权
标题翻译：标签验证，有效地评估电子检查图像质量
公开(公告)号：US20090196485A1
公开(公告)日：2009-08-06
申请号：US12012079
申请日：2008-01-31
申请人： Randall Lee Mueller , Thomas Edwin Schaadt , Benjamin T. Breeden, JR. , V. Srinivas Nori
发明人： Randall Lee Mueller , Thomas Edwin Schaadt , Benjamin T. Breeden, JR. , V. Srinivas Nori
IPC分类号： G06K9/00
CPC分类号： G06K9/036
摘要： Efficiently assessing the quality of an electronic check image by determining whether the check image is suitable for image quality analysis prior to performing the image quality analysis. A check processing module of a check processor can determine whether the check image is suitable for image quality analysis by validating certain tags in the image. For example, such validation can include determining whether the check image includes certain mandatory tags and whether any optional tags present in the image are valid. The check processing module can determine that the check image is not suitable for image quality analysis if it does not include the mandatory tags or if it includes any invalid optional tags. The check processing module can assign a failure value to any check image that is not suitable for image quality analysis. The failure value can indicate a reason for the unsuitability of the check image.
摘要翻译：通过在执行图像质量分析之前确定检查图像是否适于图像质量分析来有效地评估电子检查图像的质量。检查处理器的检查处理模块可以通过验证图像中的某些标签来确定检查图像是否适于图像质量分析。例如，这种验证可以包括确定检查图像是否包括某些强制性标签以及图像中存在的任何可选标签是否有效。如果检查处理模块不包括强制性标签或者包括任何无效的可选标签，则可以确定检查图像不适合于图像质量分析。检查处理模块可以为不适合图像质量分析的任何检查图像分配故障值。故障值可能表示检查图像不合适的原因。

3. 发明授权

US08296223B2 System and method for processing duplicative electronic check reversal files 有权
标题翻译：用于处理重复电子检查反转文件的系统和方法
公开(公告)号：US08296223B2
公开(公告)日：2012-10-23
申请号：US11982923
申请日：2007-11-06
申请人： Benjamin T. Breeden, Jr. , Steven D. Martin , Timothy Rachek , Randall Lee Mueller , V. Srinivas Nori , Daniel A. Maslaney
发明人： Benjamin T. Breeden, Jr. , Steven D. Martin , Timothy Rachek , Randall Lee Mueller , V. Srinivas Nori , Daniel A. Maslaney
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q40/00
摘要： Processing duplicate items in image cash letter (“ICL”) reversal files for efficient handling. A duplicate item processing module can receive ICL reversal files comprising items representing duplicate electronic checks. The duplicate item processing module can determine whether the processing entity erroneously presented the item more than once. The duplicate item processing module can also determine whether the depositing institution erroneously deposited the item more than once for processing. Based on the determination of the source of the error, the duplicate item processing module can make a correction in its own records and/or forward the ICL reversal file with the duplicate item to the receiving institution.
摘要翻译：处理图像现金字母（ICL）反转文件中的重复项目以进行有效的处理。重复项目处理模块可以接收包含表示重复电子支票的项目的ICL反转文件。重复项目处理模块可以确定处理实体是否错误地呈现该项目多于一次。重复项目处理模块还可以确定存款机构是否错误地存放该项目多于一次以进行处理。根据错误来源的确定，重复项目处理模块可以在自己的记录中进行更正和/或将重复项目的ICL反转文件转发给接收机构。

4. 发明申请

US20080162319A1 System and method for processing duplicative electronic check reversal files 有权
标题翻译：用于处理重复电子检查反转文件的系统和方法
公开(公告)号：US20080162319A1
公开(公告)日：2008-07-03
申请号：US11982923
申请日：2007-11-06
申请人： Benjamin T. Breeden , Steven D. Martin , Timothy Rachek , Randall Lee Mueller , V. Srinivas Nori
发明人： Benjamin T. Breeden , Steven D. Martin , Timothy Rachek , Randall Lee Mueller , V. Srinivas Nori
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q40/00
摘要： Processing duplicate items in image cash letter (“ICL”) reversal files for efficient handling. A duplicate item processing module can receive ICL reversal files comprising items representing duplicate electronic checks. The duplicate item processing module can determine whether the processing entity erroneously presented the item more than once. The duplicate item processing module can also determine whether the depositing institution erroneously deposited the item more than once for processing. Based on the determination of the source of the error, the duplicate item processing module can make a correction in its own records and/or forward the ICL reversal file with the duplicate item to the receiving institution.
摘要翻译：处理图像现金字母（“ICL”）中的重复项目反转文件以进行有效的处理。重复项目处理模块可以接收包含表示重复电子支票的项目的ICL反转文件。重复项目处理模块可以确定处理实体是否错误地呈现该项目多于一次。重复项目处理模块还可以确定存款机构是否错误地存放该项目多于一次以进行处理。根据错误来源的确定，重复项目处理模块可以在自己的记录中进行更正和/或将重复项目的ICL反转文件转发给接收机构。

5. 发明申请

US20080159655A1 Prioritizing checks for electronic check processing 有权
标题翻译：优先检查电子检查处理
公开(公告)号：US20080159655A1
公开(公告)日：2008-07-03
申请号：US11983033
申请日：2007-11-06
申请人： Benjamin T. Breeden
发明人： Benjamin T. Breeden
IPC分类号： G06K9/54
CPC分类号： G06Q20/108 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q40/00
摘要： Prioritizing checks for electronic check processing based on check characteristics, such as check values, receiving institutions associated with the checks, and/or delivery methods associated with the checks. A prioritization module of a check processing system receives information regarding multiple checks in a check processing queue. The prioritization module assigns at least one priority indicator to one or more of the checks. Each priority indicator includes information regarding a characteristic of the check to which the indicator is assigned. For example, the characteristic can be the value of the check, the receiving institution associated with the check, and/or the delivery method associated with the check. Upon determining that at least one of the checks cannot be timely processed if the checks are processed on a first in, first out basis, the prioritization module re-orders the checks for processing based on the assigned priority indicators.
摘要翻译：根据检查特征（例如检查值，与检查相关联的接收机构）和/或与检查相关联的递送方法来确定电子检查处理的优先级。检查处理系统的优先级模块在检查处理队列中接收关于多个检查的信息。优先级模块将至少一个优先级指示符分配给一个或多个检查。每个优先级指示符包括关于分配了指示符的支票的特征的信息。例如，特征可以是支票的价值，与支票相关联的接收机构和/或与支票相关联的递送方法。一旦确定如果以先入先出的方式处理检查，则不能及时处理至少一个检查，则优先级排列模块基于所分配的优先级指示符重新命令检查以进行处理。

6. 发明申请

US20080162321A1 System and method for processing duplicative electronic check return files 审中-公开
标题翻译：用于处理重复电子查询返回文件的系统和方法
公开(公告)号：US20080162321A1
公开(公告)日：2008-07-03
申请号：US11983032
申请日：2007-11-06
申请人： Benjamin T. Breeden , Richard Rodrigues , Steven D. Martin , Timothy Rachek
发明人： Benjamin T. Breeden , Richard Rodrigues , Steven D. Martin , Timothy Rachek
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q40/00
摘要： Processing duplicate items in image cash letter (“ICL”) return files for efficient handling. A duplicate item processing module can receive ICL return files comprising items representing duplicate electronic checks. The duplicate item processing module can determine whether the processing entity erroneously presented the item more than once. The duplicate item processing module can also determine whether the depositing institution erroneously deposited the item more than once for processing. Based on the determination of the source of the error, the duplicate item processing module can make a correction in its own records and/or forward the ICL return file with the duplicate item to the depositing institution.
摘要翻译：处理图像现金字母（“ICL”）中的重复项目返回文件以进行有效的处理。重复项目处理模块可以接收包含表示重复电子支票的项目的ICL返回文件。重复项目处理模块可以确定处理实体是否错误地呈现该项目多于一次。重复项目处理模块还可以确定存款机构是否错误地存放该项目多于一次以进行处理。基于错误来源的确定，重复项目处理模块可以在其自己的记录中进行更正和/或将重复项目的ICL返回文件转发给存款机构。

7. 发明申请

US20080162320A1 Systems and methods for preventing duplicative electronic check processing 有权
标题翻译：防止重复电子检查处理的系统和方法
公开(公告)号：US20080162320A1
公开(公告)日：2008-07-03
申请号：US11982985
申请日：2007-11-06
申请人： Randall Lee Mueller , V. Srinivas Nori , Benjamin T. Breeden
发明人： Randall Lee Mueller , V. Srinivas Nori , Benjamin T. Breeden
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q40/00
摘要： Preventing duplicate ICL files and/or ICL file elements, including duplicate ICLs, items, and item bundles, from being processed for payment and/or presentment. A duplicate detection module can assign a predictable and repeatable unique identifier to each ICL file and/or ICL file element. The duplicate detection module can determine whether each ICL file and/or element is a duplicate by comparing the identifier associated with the ICL file and/or element with information stored in a record of already processed files/elements. In response to determining that an ICL file and/or element is a duplicate, the duplicate detection module can determine not to process the file/element for payment and/or presentment. In response to determining that the ICL file and/or element is not a duplicate, the duplicate detection module can store information regarding the file/element in the record. For example, the stored information can include the unique identifier associated with the file/element.
摘要翻译：防止重复的ICL文件和/或ICL文件元素（包括重复的ICL，项目和项目包）被处理用于付款和/或呈现。重复检测模块可以为每个ICL文件和/或ICL文件元素分配可预测和可重复的唯一标识符。重复检测模块可以通过将与ICL文件和/或元素相关联的标识符与存储在已经处理的文件/元素的记录中的信息进行比较来确定每个ICL文件和/或元素是否是重复的。响应于确定ICL文件和/或元素是重复的，重复检测模块可以确定不处理用于支付和/或呈现的文件/元素。响应于确定ICL文件和/或元素不是重复的，重复检测模块可以存储关于记录中的文件/元素的信息。例如，存储的信息可以包括与文件/元素相关联的唯一标识符。

8. 发明申请

US20140108243A1 System and Method for Processing Duplicative Electronic Check Return Files 审中-公开
标题翻译：用于处理重复电子检查返回文件的系统和方法
公开(公告)号：US20140108243A1
公开(公告)日：2014-04-17
申请号：US14136867
申请日：2013-12-20
申请人： Benjamin T. Breeden, JR. , Richard Rodrigues , Steven D. Martin , Timothy Rachek
发明人： Benjamin T. Breeden, JR. , Richard Rodrigues , Steven D. Martin , Timothy Rachek
IPC分类号： G06Q20/10 , G06Q20/04
CPC分类号： G06Q20/108 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q40/00
摘要： Processing duplicate items in image cash letter (“ICL”) return files for efficient handling. A duplicate item processing module can receive ICL return files comprising items representing duplicate electronic checks. The duplicate item processing module can determine whether the processing entity erroneously presented the item more than once. The duplicate item processing module can also determine whether the depositing institution erroneously deposited the item more than once for processing. Based on the determination of the source of the error, the duplicate item processing module can make a correction in its own records and/or forward the ICL return file with the duplicate item to the depositing institution.
摘要翻译：处理图像现金字母（“ICL”）中的重复项目返回文件以进行有效的处理。重复项目处理模块可以接收包含表示重复电子支票的项目的ICL返回文件。重复项目处理模块可以确定处理实体是否错误地呈现该项目多于一次。重复项目处理模块还可以确定存款机构是否错误地存放该项目多于一次以进行处理。基于错误来源的确定，重复项目处理模块可以在其自己的记录中进行更正和/或将重复项目的ICL返回文件转发给存款机构。

9. 发明授权

US08112357B2 Systems and methods for preventing duplicative electronic check processing 有权
标题翻译：防止重复电子检查处理的系统和方法
公开(公告)号：US08112357B2
公开(公告)日：2012-02-07
申请号：US11982985
申请日：2007-11-06
申请人： Randall Lee Mueller , V. Srinivas Nori , Benjamin T. Breeden, Jr.
发明人： Randall Lee Mueller , V. Srinivas Nori , Benjamin T. Breeden, Jr.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q40/00
摘要： Preventing duplicate ICL files and/or ICL file elements, including duplicate ICLs, items, and item bundles, from being processed for payment and/or presentment. A duplicate detection module can assign a predictable and repeatable unique identifier to each ICL file and/or ICL file element. The duplicate detection module can determine whether each ICL file and/or element is a duplicate by comparing the identifier associated with the ICL file and/or element with information stored in a record of already processed files/elements. In response to determining that an ICL file and/or element is a duplicate, the duplicate detection module can determine not to process the file/element for payment and/or presentment. In response to determining that the ICL file and/or element is not a duplicate, the duplicate detection module can store information regarding the file/element in the record. For example, the stored information can include the unique identifier associated with the file/element.
摘要翻译：防止重复的ICL文件和/或ICL文件元素（包括重复的ICL，项目和项目包）被处理用于付款和/或呈现。重复检测模块可以为每个ICL文件和/或ICL文件元素分配可预测和可重复的唯一标识符。重复检测模块可以通过将与ICL文件和/或元素相关联的标识符与存储在已经处理的文件/元素的记录中的信息进行比较来确定每个ICL文件和/或元素是否是重复的。响应于确定ICL文件和/或元素是重复的，重复检测模块可以确定不处理用于支付和/或呈现的文件/元素。响应于确定ICL文件和/或元素不是重复的，重复检测模块可以存储关于记录中的文件/元素的信息。例如，存储的信息可以包括与文件/元素相关联的唯一标识符。

10. 发明申请

US20080162322A1 Automated return item re-clear 审中-公开
标题翻译：自动退货项目重新清除
公开(公告)号：US20080162322A1
公开(公告)日：2008-07-03
申请号：US11983034
申请日：2007-11-06
申请人： Benjamin T. Breeden
发明人： Benjamin T. Breeden
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q40/00
摘要： Automatically, electronically re-clearing returned checks for payment and presentment. A check processing entity includes a check processing system. A re-clear module of the check processing system receives electronic information regarding a check returned by a receiving institution. The re-clear module automatically determines whether the check is eligible for re-clearing, i.e., whether the check is eligible for reprocessing for payment and/or presentment. For example, the re-clear module can determine whether the check is eligible based on: (a) whether a depositing institution associated with the check has subscribed to a re-clearing service of the processing entity, (b) whether a value of the check is less than a threshold amount, (c) whether the check has been previously re-cleared, and/or (d) whether a reason why the receiving institution returned the check renders re-clearing undesirable. The check processing system can re-clear each returned check determined to be eligible for re-clearing.
摘要翻译：自动，电子地重新清算退回的付款和展示支票。支票处理实体包括支票处理系统。检查处理系统的清除模块接收关于由接收机构返回的支票的电子信息。重新清除模块自动确定支票是否有资格重新结算，即支票是否有资格进行后处理以进行付款和/或呈现。例如，重新清除模块可以基于以下方式来确定支票是否合格：（a）与支票相关联的存款机构是否订购了处理实体的重清算服务，（b）检查是否小于阈值金额，（c）支票是否先前已重新清算，和/或（d）接收机构退回支票的原因是否重新结算是不合需要的。检查处理系统可以重新确认每个返回的支票，以确定有资格重新清算。

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