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41. 发明授权

US08387862B2 Electronic image cash letter validation 有权
标题翻译：电子图像现金确认
公开(公告)号：US08387862B2
公开(公告)日：2013-03-05
申请号：US11803887
申请日：2007-05-16
申请人： Randall Lee Mueller , Jeannine M. DeLano , Steven Q. Purser , V. Srinivas Nori , Thomas Edwin Schaadt , Jeffrey F. Schiele , Ronald Ray Mason
发明人： Randall Lee Mueller , Jeannine M. DeLano , Steven Q. Purser , V. Srinivas Nori , Thomas Edwin Schaadt , Jeffrey F. Schiele , Ronald Ray 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元素的ICL文件的元素被处理以用于付款和/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。

42. 发明申请

US20120284185A1 Image-Based Financial Processing 审中-公开
标题翻译：基于图像的财务处理
公开(公告)号：US20120284185A1
公开(公告)日：2012-11-08
申请号：US13101067
申请日：2011-05-04
申请人： Michael Mettler , Josh Bleecher Snyder
发明人： Michael Mettler , Josh Bleecher Snyder
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/0425 , G06Q20/3276
摘要： Image-based processing of sources of financial information for financial transactions is provided. A device is enabled to acquire one or more images including a representation of a source of financial information. The device can validate the source, independent of the financial information in a preliminary analysis. If the source is validated, one or more images are used to acquire the financial information. The financial information is then validated. If the financial information is valid, authorization of the financial transaction can be initiated.
摘要翻译：提供了基于图像处理财务信息来源的金融交易。能够使设备获取一个或多个图像，包括财务信息源的表示。该设备可以在初步分析中独立于财务信息来验证源。如果来源被验证，则使用一个或多个图像来获取财务信息。然后验证财务信息。如果财务信息有效，可以启动金融交易的授权。

43. 发明授权

US08261231B1 Systems and methods for a mobile application development and development platform 有权
标题翻译：移动应用开发和开发平台的系统和方法
公开(公告)号：US08261231B1
公开(公告)日：2012-09-04
申请号：US13396368
申请日：2012-02-14
申请人： Scott Hirsch , Arsen Pereymer , Sunny Rajpal
发明人： Scott Hirsch , Arsen Pereymer , Sunny Rajpal
IPC分类号： G06F9/44
CPC分类号： G06F8/34 , G06F8/20 , G06F8/30 , G06F8/36 , G06F8/38 , G06F8/71 , G06Q20/0425
摘要： Systems and methods for developing, customizing, and deploying mobile device applications are provided through a mobile application development and deployment platform. Preferably, these systems and methods are implemented in an Internet based environment that allows non-technical users to build sophisticated, highly-customizable cross-platform mobile applications. The platform allows users to select, input, create, customize, and combine various content, design characteristics, and application components, such as modules, some of which utilize features and functionality associated with various mobile devices and mobile operating systems. In certain embodiments, the platform allows users to compile, and generate a configuration file for, the mobile application that can be distributed to end users for execution on various mobile devices and mobile operating systems. When the mobile application is installed on, or executed by the mobile device, the configuration file may enable the retrieval of various data associated with the mobile application.
摘要翻译：通过移动应用开发和部署平台提供用于开发，定制和部署移动设备应用程序的系统和方法。优选地，这些系统和方法在基于因特网的环境中实现，其允许非技术用户构建复杂的，高度可定制的跨平台移动应用。该平台允许用户选择，输入，创建，定制和组合各种内容，设计特征和应用组件，例如模块，其中一些利用与各种移动设备和移动操作系统相关联的特征和功能。在某些实施例中，该平台允许用户编译并生成移动应用的配置文件，该配置文件可分发给终端用户以在各种移动设备和移动操作系统上执行。当移动应用程序安装在移动设备上或由移动设备执行时，配置文件可以使得能够检索与移动应用相关联的各种数据。

44. 发明申请

US20120173422A1 INSTANT BANK FUND TRANSFERS 审中-公开
标题翻译：即时银行基金转账
公开(公告)号：US20120173422A1
公开(公告)日：2012-07-05
申请号：US12982816
申请日：2010-12-30
申请人： Qilin Hu
发明人： Qilin Hu
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/0425 , G06Q20/10 , G06Q20/40
摘要： Embodiments for instant banking funds transfers include methods and systems for providing financial services. The financial services provided include instant top up of an account with a Financial Service Provider (FSP), instant account verification (using instant deposit confirmation); instant direct debit; and instant withdrawal or funds out. In one or more embodiments, an FSP has an agreement and a cash account with a partner bank; other banks, where users of the financial services have accounts, also have cash accounts with the partner bank. Thus, any transfers can be made within the partner bank and instantaneously. The FSP receives cash during a normal three to five day settlement period with standard bank transfers. Financial services provided may include instant top up of funds (instant credit), instant bank confirmation (using random deposits), instant debit, and instant withdrawal (or funds out).
摘要翻译：即时银行资金转帐的实施例包括用于提供金融服务的方法和系统。提供的金融服务包括立即补充与金融服务提供商（FSP）的账户，即时账户验证（使用即时存款确认）; 即时直接付款; 并立即退出或出资。在一个或多个实施例中，FSP与合作伙伴银行具有协议和现金账户; 金融服务使用者账户的其他银行也有与合作银行的现金账户。因此，可以在合作伙伴银行内立即进行任何转移。 FSP在正常的三到五天结算期间通过标准银行转帐收到现金。提供的金融服务可能包括立即补充资金（即时信贷），即时银行确认（使用随机存款），即时借记和即时提款（或资金）。

45. 发明申请

US20120116961A1 SYSTEM AND METHOD FOR MAKING FUNDS AVAILABLE FOR GAMING 审中-公开
标题翻译：制作可用于游戏的资金的制度和方法
公开(公告)号：US20120116961A1
公开(公告)日：2012-05-10
申请号：US13353795
申请日：2012-01-19
申请人： Dean A. DECRISTOFORO
发明人： Dean A. DECRISTOFORO
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06Q20/042 , G06Q20/0425 , G06Q20/10 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow the customer to select a quasi-cash transaction and to generate an order authorizing the quasi-cash transaction. The system also includes a station which is configured to retrieve the order and information verifying the identity of the customer and, when the identity of the customer is verified, is configured to, at the customer's option (1) obtain an electronic endorsement from the customer and place the electronic endorsement in an electronic image or (2) print out a hard copy of a check for endorsement by the customer.
摘要翻译：一种用于游戏的资金的系统，其包括被配置为从卡读取客户信息的终端。终端包括输入/输出单元，其被配置为允许客户选择准现金交易并产生授权准现金交易的订单。该系统还包括被配置为检索订单和验证客户身份的信息的站，并且当客户的身份被验证时，该站被配置为：根据客户的选择（1）获得客户的电子认可并将电子认证放在电子图像中，或（2）打印出支票的硬拷贝，供客户认可。

46. 发明授权

US08126793B2 Automated payment system and method 有权
标题翻译：自动支付系统和方法
公开(公告)号：US08126793B2
公开(公告)日：2012-02-28
申请号：US12973139
申请日：2010-12-20
申请人： John E. Jones
发明人： John E. Jones
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/208 , G06Q40/00
摘要： An automated payment system for processing payment by a customer to a company. The payment system includes a document scanning system which has an input receptacle adapted to accept a document. After receiving an authorization agreement from the customer, the scanner acquires at least one image from the document. Also provided is a first computer adapted to receive images from the document scanning system. Adapted to communicate information represented by the image, a first communication link couples the document scanning system and the first computer. The payment system also includes a second computer adapted to receive images which is in communication with the first computer via a second communication link. The second communication link is adapted to communicate images and payment information.
摘要翻译：用于处理客户向公司支付的自动支付系统。支付系统包括文件扫描系统，其具有适于接受文档的输入插座。从客户收到授权协议后，扫描仪从文档中获取至少一张图像。还提供了适于从文档扫描系统接收图像的第一计算机。适于传送由图像表示的信息，第一通信链路耦合文档扫描系统和第一计算机。支付系统还包括适于经由第二通信链路接收与第一计算机通信的图像的第二计算机。第二通信链路适于传送图像和支付信息。

47. 发明申请

US20110206267A1 DOCUMENT PROCESSING SYSTEM 有权
标题翻译：文件处理系统
公开(公告)号：US20110206267A1
公开(公告)日：2011-08-25
申请号：US13014823
申请日：2011-01-27
申请人： John E. Jones , Paul A. Jones , William J. Jones , Ronald M. Gafron , Douglas U. Mennie
发明人： John E. Jones , Paul A. Jones , William J. Jones , Ronald M. Gafron , Douglas U. Mennie
IPC分类号： G06K9/00
CPC分类号： G07D7/12 , G06K9/033 , G06K9/726 , G06K2209/01 , G06Q10/10 , G06Q20/042 , G06Q20/0425 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/18 , G06Q20/20 , G06Q40/00 , G06Q40/02 , G06T1/00 , G07D7/04 , G07D7/06 , G07D7/1205 , G07D7/20 , G07D11/0084 , G07F7/04 , G07F19/20 , G07F19/202 , G07F19/207
摘要： A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past an image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the image scanner and the discrimination unit. The image scanner obtains an image of the documents, obtains an image of a selected area of the documents, and obtains information contained in the selected area of the document. The discrimination unit determines the authenticity of the document. A system controller directs the flows of documents over the transport mechanism.
摘要翻译：文件处理系统包括用于接收文件的输入插座。传送机构从输入插座接收文件，并将文件传送通过图像扫描仪和识别单元。输出插座在传送通过图像扫描器和鉴别单元之后从传送机构接收文件。图像扫描器获取文档的图像，获得文档的选定区域的图像，并且获得包含在文档的所选区域中的信息。鉴别单元确定文档的真实性。系统控制器通过传送机构引导文档流。

48. 发明申请

US20110099105A1 SELF-SERVICE CURRENCY EXCHANGE MACHINE 失效
标题翻译：自助货币兑换机
公开(公告)号：US20110099105A1
公开(公告)日：2011-04-28
申请号：US12915348
申请日：2010-10-29
申请人： Douglas U. Mennie , William J. Jones , Mark C. Munro
发明人： Douglas U. Mennie , William J. Jones , Mark C. Munro
IPC分类号： G06F7/00 , G07D9/00 , G07D5/00 , G07D7/00 , G06F17/00 , G06Q40/00
CPC分类号： G07D7/12 , G06K9/033 , G06K9/726 , G06K2209/01 , G06Q10/10 , G06Q20/042 , G06Q20/0425 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/18 , G06Q20/20 , G06Q40/00 , G06Q40/02 , G06T1/00 , G07D7/04 , G07D7/06 , G07D7/1205 , G07D7/20 , G07D11/0084 , G07F7/04 , G07F19/20 , G07F19/202 , G07F19/207
摘要： A self-service exchange machine is configured to receive currency from a customer and dispense to the customer a card associated with a value relating to the value of the received currency. The self-service exchange machine includes a coin module for receiving bulk mixed coins input by the customer in a coin hopper in association with the exchange transaction, the coin module being configured to substantially simultaneously receive the bulk mixed coins in the coin hopper, to separate the bulk mixed coins into a single-file stream of coins using a motor-driven rotary sorting device and, following the separation of the bulk mixed coins into a single-file stream of coins, to discriminate between valid and invalid coins using at least one discrimination sensor disposed along the coin path of the single-file stream of coins. The self-service exchange machine also includes a bill module configured to receive bills and to discriminate between valid and invalid bills, a display device, a card dispenser configured to dispense a card having a storage medium for storing a monetary value and a controller coupled to the display device, the coin module, the bill module, and the card dispenser. The controller is configured to determine a total value of valid coins and valid bills input into the coin module and the bill module, to cause the display of a total value on the display device, and to instruct the card dispenser to dispense a card with a monetary value that is related to the total value to complete the exchange transaction. The card is exchanged for the input currency and the monetary value stored on the dispensed card can be for any monetary value input by the customer and is not constrained to a predetermined value or values.
摘要翻译：自助服务交换机被配置为从客户接收货币，并向客户分配与与所接收货币的价值相关的价值相关联的卡。自助服务交换机包括一个硬币模块，用于在与交易交易相关联的状态下接收由客户输入的大量混合硬币到硬币漏斗中，硬币模块被配置为基本上同时接收硬币漏斗中的散装混合硬币，以分离使用马达驱动的旋转分选装置将大块混合的硬币转换成单个文件的硬币流，并且在将大块混合硬币分离成单个文件的硬币流之后，使用至少一个识别传感器沿着单个文件的硬币流的硬币路径设置。自助交换机还包括：账单模块，被配置为接收账单并区分有效和无效的账单;显示装置;卡片分配器，被配置为分配具有用于存储货币价值的存储介质的卡;以及控制器，显示装置，硬币模块，纸币模块和卡片分配器。控制器被配置为确定输入到硬币模块和纸币模块中的有效硬币和有效纸币的总值，以使得在显示装置上显示总值，并指示卡片分配器分配具有与总价值相关的货币价值完成交易所交易。该卡被交换为输入货币，并且存储在分配卡上的货币值可以是由客户输入的任何货币价值，并且不被约束到预定值或值。

49. 发明申请

US20110016048A1 ELECTRONIC CURRENCY, METHOD FOR HANDLING SUCH A CURRENCY AND ELECTRONIC CURRENCY HANDLING SYSTEM 审中-公开
标题翻译：电子货币，处理这种货币和电子货币处理系统的方法
公开(公告)号：US20110016048A1
公开(公告)日：2011-01-20
申请号：US12739125
申请日：2008-10-20
申请人： Eddie Lindqvist , Jan Lindqvist , Jerker Bengtsson , Johan Weidenberg , Lars Falk
发明人： Eddie Lindqvist , Jan Lindqvist , Jerker Bengtsson , Johan Weidenberg , Lars Falk
IPC分类号： G06Q40/00
CPC分类号： G06Q20/06 , G06Q20/0425 , G06Q20/0655 , G06Q20/363 , G06Q20/40 , G06Q30/06 , G07F7/08
摘要： The present invention concerns a system for handling of electronic payments, a user device for use in such a system including a cash handling unit, a so called CashButler, a method for handling electronic payments, an electronic currency, so called Dynamic Checks, a logic unit for executing operations associated with the handling of the electronic currency for use in electronic payments, which logic unit can be implemented in the cash handling unit, and software for executing steps of the method.
摘要翻译：本发明涉及一种用于处理电子支付的系统，一种用于这种系统的用户装置，包括现金处理单元，所谓的CashButler，用于处理电子支付的方法，电子货币，所谓的动态支票，逻辑用于执行与处理用于电子支付的电子货币相关联的操作的单元，该逻辑单元可以在现金处理单元中实现，以及用于执行该方法的步骤的软件。

50. 发明授权

US07873200B1 Systems and methods for remote deposit of checks 有权
公开(公告)号：US07873200B1
公开(公告)日：2011-01-18
申请号：US11591247
申请日：2006-10-31
申请人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Prasad Nuggehalli , Troy Huth
发明人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Prasad Nuggehalli , Troy Huth
IPC分类号： G06K9/00 , G06F17/00
CPC分类号： G06Q20/042 , G06K9/00161 , G06K9/186 , G06K2209/01 , G06Q20/0425 , G06Q20/10 , G06Q20/108 , G06Q20/3223 , G06Q20/325 , G06Q20/4014 , G06Q40/00 , G06Q40/02
摘要： Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

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