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1. 发明授权

US07970677B1 Systems and methods for financial deposits by electronic message 有权
公开(公告)号：US07970677B1
公开(公告)日：2011-06-28
申请号：US12257477
申请日：2008-10-24
申请人： Charles Lee Oakes, III , Michael Frank Morris , Bharat Prasad , Reynaldo Medina, III
发明人： Charles Lee Oakes, III , Michael Frank Morris , Bharat Prasad , Reynaldo Medina, III
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q40/00 , G06Q40/025
摘要： An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.

2. 发明授权

US07949587B1 Systems and methods for financial deposits by electronic message 有权
标题翻译：通过电子信息进行金融存款的系统和方法
公开(公告)号：US07949587B1
公开(公告)日：2011-05-24
申请号：US12257482
申请日：2008-10-24
申请人： Michael Frank Morris , Bharat Prasad , Reynaldo Medina, III
发明人： Michael Frank Morris , Bharat Prasad , Reynaldo Medina, III
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q20/0425 , G06Q20/10 , G06Q20/108 , G06Q40/00
摘要： An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.
摘要翻译：流通票据的图像可以使用消息应用从用户传达到金融机构，使得与可转让票据相关联的资金可以存入用户的银行账户。用户可以启动即时消息应用并与金融机构的预定帐户建立通信会话以传送图像。图像可以存储在文件中，或者由即时消息应用控制下的捕获设备创建。图像文件可以由金融机构处理和验证，其可以存储在与用户相关联的帐户中。

3. 发明授权

US08290237B1 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 有权
公开(公告)号：US08290237B1
公开(公告)日：2012-10-16
申请号：US11931670
申请日：2007-10-31
申请人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
发明人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
IPC分类号： G06K9/00
CPC分类号： G06Q20/042 , G06Q20/3276
摘要： To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.

4. 发明授权

US08320657B1 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 有权
标题翻译：使用数码相机远程存放可转让票据的系统和方法
公开(公告)号：US08320657B1
公开(公告)日：2012-11-27
申请号：US11931804
申请日：2007-10-31
申请人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
发明人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
IPC分类号： G06K9/00
CPC分类号： G06K9/3275 , G06Q20/042 , G06Q20/3276
摘要： To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.
摘要翻译：为了以电子方式存入可转让票据，可以使用数字图像。本文描述了促进使用数字照相机来提供数字图像的系统和方法。用户可以捕获可协商仪器的图像以创建数字图像。数字图像可以被压缩并保存为数字图像文件。然后，用户可以将数字图像文件发送到诸如银行的金融机构，将从可转让票据的账户中提取的资金存入用户账户。金融机构可以从帐户持有者接收由数码相机创建的数字图像文件，并使用数字图像文件处理存款请求。

5. 发明授权

US08464933B1 Systems, methods and apparatus for receiving images of one or more checks 有权
标题翻译：用于接收一个或多个检查图像的系统，方法和装置
公开(公告)号：US08464933B1
公开(公告)日：2013-06-18
申请号：US13017865
申请日：2011-01-31
申请人： Bharat Prasad , Reynaldo Medina, III
发明人： Bharat Prasad , Reynaldo Medina, III
IPC分类号： G06Q40/00 , G07D11/00 , G06K7/10 , G06K7/14 , G06K13/00
CPC分类号： G06Q20/04 , G06K9/2063 , G06K2209/01 , G06Q20/042 , G06Q30/06 , G07D11/009
摘要： Images of a plurality of checks to be presented for payment may be captured through the use of a check sleeve. The check sleeve includes check-holding mechanism to hold one or more checks in place in the sleeve, and contains various types of markings or other features that allow an image of the sleeve to be oriented, and to allow the portion of the image that represents a check to be distinguished from portions of the image that do not represent a check. One or more algorithms may be used to distinguish check from non-check portions of the image, and to orient the image. The check sleeves may have one or more barcodes imprinted thereon, which may encode various types of information.
摘要翻译：可以通过使用检查套筒来捕获要呈现用于支付的多个支票的图像。检查套筒包括检查保持机构，以将一个或多个支票保持在套筒中的适当位置，并且包含允许套筒的图像定向的各种类型的标记或其他特征，并且允许表示一个检查可以区别于不代表支票的图像部分。可以使用一种或多种算法来区分图像的非检查部分的检查和定向图像。检查袖子可以在其上印有一个或多个条形码，其可以编码各种类型的信息。

6. 发明授权

US07900822B1 Systems, methods, and apparatus for receiving images of one or more checks 有权
公开(公告)号：US07900822B1
公开(公告)日：2011-03-08
申请号：US11935599
申请日：2007-11-06
申请人： Bharat Prasad , Reynaldo Medina, III
发明人： Bharat Prasad , Reynaldo Medina, III
IPC分类号： G06K7/10 , G06K7/14 , G06Q40/00 , G07D11/00 , G06F19/00 , G06F17/00 , G06F3/12
CPC分类号： G06Q20/04 , G06K9/2063 , G06K2209/01 , G06Q20/042 , G06Q30/06 , G07D11/009
摘要： Images of a plurality of checks to be presented for payment may be captured through the use of a check sleeve. The check sleeve includes check-holding mechanism to hold one or more checks in place in the sleeve, and contains various types of markings or other features that allow an image of the sleeve to be oriented, and to allow the portion of the image that represents a check to be distinguished from portions of the image that do not represent a check. One or more algorithms may be used to distinguish check from non-check portions of the image, and to orient the image. The check sleeves may have one or more barcodes imprinted thereon, which may encode various types of information.

7. 发明授权

US08224707B1 Social network for shopping 有权
标题翻译：购物社交网络
公开(公告)号：US08224707B1
公开(公告)日：2012-07-17
申请号：US12195148
申请日：2008-08-20
申请人： Arthur Quentin Smith , Bharat Prasad , Bradly Jay Billman , Charles L. Oakes, III , Reynaldo Medina, III
发明人： Arthur Quentin Smith , Bharat Prasad , Bradly Jay Billman , Charles L. Oakes, III , Reynaldo Medina, III
IPC分类号： G06Q30/00
CPC分类号： G06Q50/01 , G06Q10/101 , G06Q30/0601
摘要： A social network for shopping may be provided in which a user may provide a listing of an item they would like and the identity of a seller the item may be retrieved from. Another user may agree to pick up the item from the seller and deliver the item, perhaps for a small fee. The listing of the item may be posted on a website, sent to other users by a web feed such as RSS, sent by a text message, instant message, email, or communicated in any other manner to one or more users, etc. Alternatively, a user may post the identity of a seller that they are going to and ask if any users would like any items picked up from the seller and delivered to them, perhaps for a small fee.
摘要翻译：可以提供用于购物的社交网络，其中用户可以提供他们想要的项目的列表以及可以从中检索该项目的卖方的身份。另一个用户可能同意从卖方拿起物品，并交付物品，可能需要支付少量费用。项目的列表可以张贴在网站上，通过诸如RSS的网络馈送（通过短信，即时消息，电子邮件发送）或以任何其他方式传送给一个或多个用户等发送给其他用户。或者用户可以发布他们要去的卖家的身份，并询问是否有任何用户想要从卖家那里提取的任何物品，并将其交付给他们，可能需要支付少量费用。

8. 发明授权

US07896232B1 Systems, methods, and apparatus for receiving images of one or more checks 有权
标题翻译：用于接收一个或多个检查的图像的系统，方法和装置
公开(公告)号：US07896232B1
公开(公告)日：2011-03-01
申请号：US11935592
申请日：2007-11-06
申请人： Bharat Prasad , Reynaldo Medina, III
发明人： Bharat Prasad , Reynaldo Medina, III
IPC分类号： G07F19/00
CPC分类号： G06Q20/042 , G06Q20/04
摘要： Images of a plurality of checks to be presented for payment may be captured through the use of a check sleeve. The check sleeve includes check-holding mechanism to hold one or more checks in place in the sleeve, and contains various types of markings or other features that allow an image of the sleeve to be oriented, and to allow the portion of the image that represents a check to be distinguished from portions of the image that do not represent a check. One or more algorithms may be used to distinguish check from non-check portions of the image, and to orient the image. The check sleeves may have one or more barcodes imprinted thereon, which may encode various types of information.
摘要翻译：可以通过使用检查套筒来捕获要呈现用于支付的多个支票的图像。检查套筒包括检查保持机构，以将一个或多个支票保持在套筒中的适当位置，并且包含允许套筒的图像定向的各种类型的标记或其他特征，并且允许表示一个检查可以区别于不代表支票的图像部分。可以使用一种或多种算法来区分图像的非检查部分的检查和定向图像。检查袖子可以在其上印有一个或多个条形码，其可以编码各种类型的信息。

9. 发明授权

US09129340B1 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 有权
标题翻译：用于通过增强图像检测进行远程存储捕获的设备，方法和系统
公开(公告)号：US09129340B1
公开(公告)日：2015-09-08
申请号：US12982494
申请日：2010-12-30
申请人： Reynaldo Medina, III , Bharat Prasad
发明人： Reynaldo Medina, III , Bharat Prasad
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/02 , G06K9/4642 , G06Q20/042 , G06Q20/0425 , G06Q20/1085 , G06T5/40 , G06T7/0081 , G06T2207/20132 , H04N5/225
摘要： The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.
摘要翻译：用于具有增强图像检测的远程存取捕获的装置，方法和系统（以下称为“RDC检测”）通过经由用户装置提交支票的拍摄图像来提供远程存储的平台，其中RDC检测转换捕获的检查图像， /或通过RDC检测组件输入检验存款信息输入到存款确认输出。例如，在一个实施例中，金融机构可以接收由扫描仪，照相机等捕获的检查图像，并处理检查图像以提取存储信息以处理存款请求。

10. 发明授权

US09053469B1 System and method for providing usage based vehicle insurance 有权
标题翻译：提供使用车辆保险的系统和方法
公开(公告)号：US09053469B1
公开(公告)日：2015-06-09
申请号：US12500742
申请日：2009-07-10
申请人： Robert Michael Bohanek , Charles Lee Oakes, III , Bharat Prasad
发明人： Robert Michael Bohanek , Charles Lee Oakes, III , Bharat Prasad
IPC分类号： G06Q20/08
CPC分类号： G06Q20/08 , G06Q20/085 , G06Q40/08 , G07F13/025
摘要： Methods and systems for providing usage based insurance for one or more vehicles for an insured individual or party. In an example, fuel transaction data is received for a party, the fuel transaction data includes a fuel cost; insurance policy data is received for an insurance policy; a premium is determined for the insurance policy using a computing device and the premium is added to the fuel cost. In an example, a geographic location for a vehicle is determined and a premium is determined using at the least the geographic location. In an example, a number of miles driven in a time period is determined and a premium is determined using at the least the number of miles driven. In an example, a premium is determined for an insurance policy using at least a portion of the fuel transaction data. In an example, at least one vehicle related parameter is predicted from the fuel transaction data and a premium is determined using the vehicle related parameter.
摘要翻译：为被保险人或一方提供一种或多种车辆使用保险的方法和系统。在一个示例中，为一方接收燃料交易数据，燃料交易数据包括燃料成本; 收到保险单的保险单数据; 使用计算设备确定保险费的溢价，并将溢价加到燃料成本上。在一个示例中，确定车辆的地理位置，并且使用至少该地理位置来确定溢价。在一个示例中，确定在一段时间内驱动的数英里，并且至少使用驱动的里程数来确定溢价。在一个例子中，使用燃料交易数据的至少一部分来确定保险单的溢价。在一个示例中，根据燃料交易数据预测至少一个车辆相关参数，并且使用车辆相关参数确定溢价。

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