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1. 发明申请

US20100145857A1 DYNAMIC HOLD DECISIONING USING ADJUSTED DEPOSIT AMOUNT 有权
标题翻译：动态保持决定使用调整的存款金额
公开(公告)号：US20100145857A1
公开(公告)日：2010-06-10
申请号：US12703011
申请日：2010-02-09
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/40 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.
摘要翻译：本发明的实施例涉及用于确定，通信和/或执行存款项目的保留决定的方法和装置。例如，提供了一种方法，其包括：（a）接收与存款项目相关联的信息; （b）确定存款项目识别的实际存款金额; （c）确定接收存款项目的收款人账户和提取存款项目的抽屉账户; （d）确定收款人账户的持有限额; （e）至少部分地基于以下方式确定存款项目的经调整的存款金额：（i）由存款项目识别的实际存款金额，和（ii）与抽屉账户相关联的一个或多个特征，以及（f）确定至少部分地基于经调整的存款金额与保留限额的比较来确定存款项目的持有决定。

2. 发明授权

US08403209B2 Dynamic hold decisioning using adjusted deposit amount 有权
标题翻译：动态持有决策使用调整存款金额
公开(公告)号：US08403209B2
公开(公告)日：2013-03-26
申请号：US13493389
申请日：2012-06-11
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
IPC分类号： G06Q40/00
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/40 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.
摘要翻译：本发明的实施例涉及用于确定，通信和/或执行存款项目的保留决定的方法和装置。例如，提供了一种方法，其包括：（a）接收与存款项目相关联的信息; （b）确定存款项目识别的实际存款金额; （c）确定接收存款项目的收款人账户和提取存款项目的抽屉账户; （d）确定收款人账户的持有限额; （e）至少部分地基于以下方式确定存款项目的经调整的存款金额：（i）存款项目识别的实际存款金额，和（ii）与抽屉账户相关联的一个或多个特征，以及（f）确定至少部分地基于经调整的存款金额与保留限额的比较来确定存款项目的持有决定。

3. 发明授权

US08444050B2 Item-level hold decisioning 有权
标题翻译：物品级保持决定
公开(公告)号：US08444050B2
公开(公告)日：2013-05-21
申请号：US12702892
申请日：2010-02-09
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez , Mark David McCue
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez , Mark David McCue
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/10 , G06Q20/1085 , G06Q20/40 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items. For example, some embodiments provide a method that includes: (a) receiving, from a deposit location during a single deposit transaction, information associated with a first deposit item in the single deposit transaction; (b) receiving, from the deposit location during the single deposit transaction, information associated with a second deposit item in the single deposit transaction; (c) determining, using a processor, during the single deposit transaction, a first hold decision for the first deposit item based at least partially on the information associated with the first deposit item; (d) determining, using a processor, during the single deposit transaction, a second hold decision for the second deposit item based at least partially on the information associated with the second deposit item; (e) communicating, to the deposit location during the single deposit transaction, information associated with the first hold decision; and (f) communicating, to the deposit location during the single deposit transaction, information associated with the second hold decision.
摘要翻译：本发明的实施例涉及用于确定，推荐和/或放置存款项目的保持的方法和装置。例如，一些实施例提供了一种方法，其包括：（a）在单个存款交易期间从存款位置接收与单个存款交易中的第一存款项相关联的信息; （b）在单笔存款交易期间从存款地点接收与单笔存款交易中的第二存款项目相关的信息; （c）至少部分地基于与第一存款项目相关联的信息来确定在单次存款交易期间使用处理器对第一存款项目进行第一保持判定; （d）至少部分地基于与第二存款项目相关联的信息来确定在单次存款交易期间使用处理器对第二存款项目进行第二保持判定; （e）在单笔存款交易期间向存款单位传达与第一笔保留决定有关的信息; 和（f）在单次存款交易期间向存款单位传达与第二个持有决定有关的信息。

4. 发明申请

US20120246067A1 DYNAMIC HOLD DECISIONING USING ADJUSTED DEPOSIT AMOUNT 有权
标题翻译：动态保持决定使用调整的存款金额
公开(公告)号：US20120246067A1
公开(公告)日：2012-09-27
申请号：US13493389
申请日：2012-06-11
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
IPC分类号： G06Q40/02
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/40 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.
摘要翻译：本发明的实施例涉及用于确定，通信和/或执行存款项目的保留决定的方法和装置。例如，提供了一种方法，其包括：（a）接收与存款项目相关联的信息; （b）确定存款项目识别的实际存款金额; （c）确定接收存款项目的收款人账户和提取存款项目的抽屉账户; （d）确定收款人账户的持有限额; （e）至少部分地基于以下方式确定存款项目的经调整的存款金额：（i）由存款项目识别的实际存款金额，和（ii）与抽屉账户相关联的一个或多个特征，以及（f）确定至少部分地基于经调整的存款金额与保留限额的比较来确定存款项目的持有决定。

5. 发明申请

US20120221469A1 DYNAMIC HOLD DECISIONING 失效
标题翻译：动态保持决策
公开(公告)号：US20120221469A1
公开(公告)日：2012-08-30
申请号：US13463517
申请日：2012-05-03
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
IPC分类号： G06Q40/02
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.
摘要翻译：本发明的实施例涉及用于确定，通信和/或执行存款项目的保留决定的方法和装置。例如，提供了一种方法，其包括：（a）接收与存款项目相关联的信息; （b）确定存款项目的存款金额; （c）确定收款人账户以接收存款项目; （d）确定收款人账户的持有限额; 和（e）至少部分地基于存款金额与保留限额的比较来确定存款项目的持有决定。在一些实施例中，持有限度至少部分地基于（a）与收款人账户相关联的账户余额，以及（b）与收款人账户相关联的一个或多个其他特征。

6. 发明授权

US08235282B2 Dynamic hold decisioning using adjusted deposit amount 有权
标题翻译：动态持有决策使用调整存款金额
公开(公告)号：US08235282B2
公开(公告)日：2012-08-07
申请号：US12703011
申请日：2010-02-09
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
IPC分类号： G06Q40/00
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/40 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.
摘要翻译：本发明的实施例涉及用于确定，通信和/或执行存款项目的保留决定的方法和装置。例如，提供了一种方法，其包括：（a）接收与存款项目相关联的信息; （b）确定存款项目识别的实际存款金额; （c）确定接收存款项目的收款人账户和提取存款项目的抽屉账户; （d）确定收款人账户的持有限额; （e）至少部分地基于以下方式确定存款项目的经调整的存款金额：（i）由存款项目识别的实际存款金额，和（ii）与抽屉账户相关联的一个或多个特征，以及（f）确定至少部分地基于经调整的存款金额与保留限额的比较来确定存款项目的持有决定。

7. 发明申请

US20100145853A1 ITEM-LEVEL HOLD DECISIONING 有权
标题翻译：项目水平决定
公开(公告)号：US20100145853A1
公开(公告)日：2010-06-10
申请号：US12702892
申请日：2010-02-09
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez , Mark David McCue
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez , Mark David McCue
IPC分类号： G06Q40/00 , H04N1/04
CPC分类号： G06Q20/042 , G06Q20/10 , G06Q20/1085 , G06Q20/40 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items. For example, some embodiments provide a method that includes: (a) receiving, from a deposit location during a single deposit transaction, information associated with a first deposit item in the single deposit transaction; (b) receiving, from the deposit location during the single deposit transaction, information associated with a second deposit item in the single deposit transaction; (c) determining, using a processor, during the single deposit transaction, a first hold decision for the first deposit item based at least partially on the information associated with the first deposit item; (d) determining, using a processor, during the single deposit transaction, a second hold decision for the second deposit item based at least partially on the information associated with the second deposit item; (e) communicating, to the deposit location during the single deposit transaction, information associated with the first hold decision; and (f) communicating, to the deposit location during the single deposit transaction, information associated with the second hold decision.
摘要翻译：本发明的实施例涉及用于确定，推荐和/或放置存款项目的保持的方法和装置。例如，一些实施例提供了一种方法，其包括：（a）在单个存款交易期间从存款位置接收与单个存款交易中的第一存款项相关联的信息; （b）在单笔存款交易期间从存款地点接收与单笔存款交易中的第二存款项目相关的信息; （c）至少部分地基于与第一存款项目相关联的信息来确定在单次存款交易期间使用处理器对第一存款项目进行第一保持判定; （d）至少部分地基于与第二存款项目相关联的信息来确定在单次存款交易期间使用处理器对第二存款项目进行第二保持判定; （e）在单笔存款交易期间向存款单位传达与第一笔保留决定有关的信息; 和（f）在单次存款交易期间向存款单位传达与第二个持有决定有关的信息。

8. 发明授权

US08381975B2 Dynamic hold decisioning 失效
标题翻译：动态保持决策
公开(公告)号：US08381975B2
公开(公告)日：2013-02-26
申请号：US13463517
申请日：2012-05-03
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
IPC分类号： G06K5/00
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.
摘要翻译：本发明的实施例涉及用于确定，通信和/或执行存款项目的保留决定的方法和装置。例如，提供了一种方法，其包括：（a）接收与存款项目相关联的信息; （b）确定存款项目的存款金额; （c）确定收款人账户以接收存款项目; （d）确定收款人账户的持有限额; 和（e）至少部分地基于存款金额与保留限额的比较来确定存款项目的持有决定。在一些实施例中，持有限度至少部分地基于（a）与收款人账户相关联的账户余额，以及（b）与收款人账户相关联的一个或多个其他特征。

9. 发明授权

US08191777B2 Dynamic hold decisioning 有权
标题翻译：动态保持决策
公开(公告)号：US08191777B2
公开(公告)日：2012-06-05
申请号：US12702985
申请日：2010-02-09
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
IPC分类号： G06K5/00
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.
摘要翻译：本发明的实施例涉及用于确定，通信和/或执行存款项目的保留决定的方法和装置。例如，提供了一种方法，其包括：（a）接收与存款项目相关联的信息; （b）确定存款项目的存款金额; （c）确定收款人账户以接收存款项目; （d）确定收款人账户的持有限额; 和（e）至少部分地基于存款金额与保留限额的比较来确定存款项目的持有决定。在一些实施例中，持有限度至少部分地基于（a）与收款人账户相关联的账户余额，以及（b）与收款人账户相关联的一个或多个其他特征。

10. 发明申请

US20100138343A1 DYNAMIC HOLD DECISIONING 有权
标题翻译：动态保持决策
公开(公告)号：US20100138343A1
公开(公告)日：2010-06-03
申请号：US12702985
申请日：2010-02-09
申请人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
发明人： Ricardo Davila , Tommi Levi , David Wayne Barnhardt , David Alan Minsk , Roxanne White , Roberto Jose Dominguez
IPC分类号： G06Q40/00
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G07F19/20 , G07F19/211
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.
摘要翻译：本发明的实施例涉及用于确定，通信和/或执行存款项目的保留决定的方法和装置。例如，提供一种方法，其包括：（a）接收与存款项目相关联的信息; （b）确定存款项目的存款金额; （c）确定收款人账户以接收存款项目; （d）确定收款人账户的持有限额; 和（e）至少部分地基于存款金额与保留限额的比较来确定存款项目的持有决定。在一些实施例中，持有限度至少部分地基于（a）与收款人账户相关联的账户余额，以及（b）与收款人账户相关联的一个或多个其他特征。

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