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1. 发明申请

US20050213805A1 Assessing electronic image quality 有权
标题翻译：评估电子图像质量
公开(公告)号：US20050213805A1
公开(公告)日：2005-09-29
申请号：US11079120
申请日：2005-03-14
申请人： James Blake , Pablo Gonzalez , Randall Mueller , V. Nori , Steven Purser , Thomas Schaadt
发明人： James Blake , Pablo Gonzalez , Randall Mueller , V. Nori , Steven Purser , Thomas Schaadt
IPC分类号： G06K9/00
CPC分类号： G06K9/036
摘要： Assessing the quality of an electronic image comprises determining a quality rating for the electronic image, associating image quality thresholds with purposes for electronic images, selecting the purpose that corresponds to the electronic image, identifying an image quality threshold associated with the selected purpose, and determining whether the quality rating meets the image quality threshold. The electronic image is suitable for its intended purpose if its quality rating meets the threshold.
摘要翻译：评估电子图像的质量包括确定电子图像的质量等级，将图像质量阈值与电子图像的目的相关联，选择对应于电子图像的目的，识别与所选择的目的相关联的图像质量阈值，以及确定质量等级是否满足图像质量阈值。如果电子图像的质量等级达到阈值，则适合其预期目的。

2. 发明申请

US20060237526A1 Expanded mass data sets for electronic check processing 有权
标题翻译：用于电子支票处理的扩展质量数据集
公开(公告)号：US20060237526A1
公开(公告)日：2006-10-26
申请号：US11362343
申请日：2006-02-22
申请人： Randall Mueller , Thomas Schaadt , V. Nori , Steven Purser , Pablo Gonzalez , Bruce Herring , James Blake
发明人： Randall Mueller , Thomas Schaadt , V. Nori , Steven Purser , Pablo Gonzalez , Bruce Herring , James Blake
IPC分类号： G07F19/00 , G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/04
摘要： Accommodating the data needed to process checks for payment under the Check Clearing for the 21st Century Act by using expanded fields of a financial data file. The financial data file can comprise the complete, original MICR data from an original or substitute paper check. The financial data file can comprise truncated data in conventional fields F1-F7 and untruncated data in expanded fields F10-F11. The financial data file further can comprise a result from an image quality analysis performed on an electronic image of the check. The untruncated MICR data and the electronic check image can be used to correct errors in the financial data file and to present the check for payment via a substitute check or an electronic image cash letter. The truncated MICR data can be used to electronically process the check via conventional means.
摘要翻译：通过使用财务数据文件的扩展字段，适应处理支付结算所需的数据，以支付“世界贸易中心21世纪法案”的支票结算。财务数据文件可以包含来自原始或替代纸支票的完整的原始MICR数据。财务数据文件可以包括常规字段F 1 -F 7中的截断数据和扩展字段F 10 -F 11中的未经截断的数据。财务数据文件还可包括对支票的电子图像执行的图像质量分析的结果。未经截断的MICR数据和电子支票图像可用于纠正财务数据文件中的错误，并通过替代支票或电子图像现金信函提供支票支票。截断的MICR数据可用于通过常规手段电子处理支票。

3. 发明申请

US20060191998A1 Cash letter print streams with audit data 有权
标题翻译：现金字母打印流与审计数据
公开(公告)号：US20060191998A1
公开(公告)日：2006-08-31
申请号：US11362344
申请日：2006-02-22
申请人： Randall Mueller , Thomas Schaadt , V. Nori , Steven Purser , Diane Baggett
发明人： Randall Mueller , Thomas Schaadt , V. Nori , Steven Purser , Diane Baggett
IPC分类号： G07F19/00
CPC分类号： G06Q20/042 , G06Q40/12 , G07F17/26
摘要： Producing print streams for efficiently generating properly formatted and ordered paper cash letters comprises print stream file that includes electronic form definitions for each cash letter document. The cash letter documents can include a cover page, one or more bundles of substitute checks, a bundle summary for each substitute check bundle, and/or a cash letter bundle summary. Information from an electronic image cash letter file can be input in data fields of the electronic form definitions. Printing the information in the print stream file results in a properly formatted and ordered paper cash letter including substitute checks and audit data. Each substitute check can include all of the MICR data provided on a corresponding, original paper check. The audit data includes the cover page, bundle summary(ies), and/or cash letter bundle summary, which can each detail the documents printed concurrently therewith.
摘要翻译：生成打印流以有效地生成正确格式化和订购的纸质现金信件，其中包括打印流文件，其中包含每个现金字母文件的电子表格定义。现金信函文件可以包括封面页面，一个或多个替代检查束，每个替代检查包的捆绑摘要和/或现金信件捆绑摘要。来自电子图像现金字母文件的信息可以在电子表格定义的数据字段中输入。在打印流文件中打印信息会导致正确格式化和订购的纸质现金信，包括替代检查和审核数据。每个替代检查可以包括在相应的原始纸支票上提供的所有MICR数据。审计数据包括封面，捆绑摘要和/或现金信封捆绑摘要，每个细节可以详细列出同时打印的文档。

4. 发明申请

US20080006687A1 Electronic image cash letter validation 有权
标题翻译：电子图像现金确认
公开(公告)号：US20080006687A1
公开(公告)日：2008-01-10
申请号：US11803887
申请日：2007-05-16
申请人： Randall Mueller , Jeannine DeLano , Steven Purser , V. Nori , Thomas Schaadt , Jeffrey Schiele , Ronald Mason
发明人： Randall Mueller , Jeannine DeLano , Steven Purser , V. Nori , Thomas Schaadt , Jeffrey Schiele , Ronald Mason
IPC分类号： G06Q40/00
CPC分类号： G06Q20/24 , G06Q20/0425 , G06Q20/10 , G06Q40/00
摘要： Validating image cash letter (“ICL”) files using appropriate validation standards for each ICL file and, where appropriate, allowing successfully validated elements of an ICL file containing one or more unsuccessfully validated elements to be processed for payment and/or presentment. A processing entity can receive an ICL file with multiple ICLs that each includes multiple bundles of electronic check items from a customer. The processing entity can validate the ICL file using multiple validation rules selected based on a file type of the ICL file, data content of the ICL file, and/or an identity of a bank associated with the ICL file. The processing entity can transmit a report of the validation results to the customer. The processing entity can select certain successfully validated elements of the ICL file for check presentment and/or payment processing.
摘要翻译：使用每个ICL文件的适当验证标准验证图像现金字母（“ICL”）文件，并在适当的情况下允许成功验证的包含一个或多个未成功验证的元素的ICL文件的元素被处理用于付款和/或呈现。处理实体可以接收具有多个ICL的ICL文件，每个ICL包括来自客户的多个电子检查项目。处理实体可以使用基于ICL文件的文件类型，ICL文件的数据内容和/或与ICL文件相关联的存储体的标识来选择的多个验证规则来验证ICL文件。处理实体可以将验证结果的报告传送给客户。处理实体可以选择ICL文件的某些成功验证的元素用于检查呈现和/或支付处理。

5. 发明申请

US20070235518A1 Electronic image cash letter monitoring 有权
标题翻译：电子图像现金信号监控
公开(公告)号：US20070235518A1
公开(公告)日：2007-10-11
申请号：US11482360
申请日：2006-07-07
申请人： Randall Mueller , Thomas Schaadt , Steven Harris , Eric Lendl , V. Nori , Steven Purser
发明人： Randall Mueller , Thomas Schaadt , Steven Harris , Eric Lendl , V. Nori , Steven Purser
IPC分类号： G06F17/00
CPC分类号： G06Q20/042 , G06Q20/04
摘要： Monitoring an electronic check processing status of an image cash letter (“ICL”) and items in the ICL includes processing each ICL item by performing at least one electronic check processing event in connection with the item. For each electronic check processing event and for each item, a record comprising information related to a status of the electronic check processing event is created. Each record is associated with the corresponding item and the ICL. A status of each item can be determined based on the information stored in the records corresponding to that item. A status of the ICL can be determined based on the status of the items from the ICL.
摘要翻译：监视图像现金字母（“ICL”）的电子支票处理状态和ICL中的项目包括通过执行与该项目相关的至少一个电子支票处理事件来处理每个ICL项目。对于每个电子支票处理事件和每个项目，创建包括与电子支票处理事件的状态有关的信息的记录。每个记录与相关项目和ICL相关联。可以基于存储在与该项目相对应的记录中的信息来确定每个项目的状态。 ICL的状态可以根据ICL项目的状态来确定。

6. 发明申请

US20070095888A1 Electronic image cash letter balancing 有权
标题翻译：电子图像现金信号平衡
公开(公告)号：US20070095888A1
公开(公告)日：2007-05-03
申请号：US11482379
申请日：2006-07-07
申请人： Randall Mueller , Thomas Schaadt , Steven Harris , Eric Lendl , V. Nori , Steven Purser
发明人： Randall Mueller , Thomas Schaadt , Steven Harris , Eric Lendl , V. Nori , Steven Purser
IPC分类号： G06F17/00 , G07F19/00 , G07D11/00
CPC分类号： G06Q20/0425 , G06Q20/042 , G06Q20/10 , G06Q40/00
摘要： Balancing image cash letters (“ICLs”) and ICL items during electronic check processing includes determining whether each item has been presented to a receiving institution for payment. A tracking module can track an incoming ICL/item's processing status using records comprising information regarding the ICL/item's status for electronic check processing events. The tracking module can present the ICL/item's processing status in one or more reports. The tracking module can balance an ICL by comparing an incoming ICL value amount with an outgoing ICL value amount. The incoming ICL value amount comprises the total value of the items in the incoming ICL. The outgoing ICL value amount comprises the total value of the items in the incoming ICL that have been presented to a receiving institution via one or more outgoing ICLs. If the amounts match, then the incoming ICL is balanced. If not, then the ICL is not balanced.
摘要翻译：在电子检查处理过程中平衡图像现金字母（“ICL”）和ICL项目包括确定每个项目是否已提交给接收机构进行支付。跟踪模块可以使用包括关于ICL /项目的电子检查处理事件的状态的信息的记录来跟踪输入的ICL /项目的处理状态。跟踪模块可以在一个或多个报告中呈现ICL /项目的处理状态。跟踪模块可以通过将输入的ICL值量与输出的ICL值量进行比较来平衡ICL。传入的ICL值量包括传入ICL中的项目的总值。输出的ICL值量包括通过一个或多个输出ICL呈现给接收机构的进入ICL中的项目的总值。如果数量匹配，那么传入的ICL是平衡的。如果没有，则ICL不平衡。

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