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1. 发明授权

US08606705B2 Systems, methods and computer program products for managing payment processes in a comprehensive payment hub system 有权
标题翻译：用于在综合支付中心系统中管理支付流程的系统，方法和计算机程序产品
公开(公告)号：US08606705B2
公开(公告)日：2013-12-10
申请号：US12433267
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for managing the processing of a financial payment and, more specifically managing the processing of a financial payment in a comprehensive payment hub environment that provides for payment processing, including payment route determination, irrespective of the payment input channel. In accordance with embodiments herein disclosed, managing the processing of the payment includes automatically determining the payment processes and automatically determining the arrangement of the payment processes. As such, the methods, systems, and computer program products herein described provide for an efficient and cost-effective approach to processing payments.
摘要翻译：提供了系统，方法和计算机程序产品，用于管理金融支付的处理，并且更具体地管理在提供支付处理的综合支付中心环境中的金融支付的处理，包括支付路线确定，而不管支付输入通道。根据本文公开的实施例，管理支付的处理包括自动确定支付过程并自动确定支付过程的布置。因此，本文描述的方法，系统和计算机程序产品提供了处理支付的有效和成本有效的方法。

2. 发明申请

US20120030117A1 REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS 有权
标题翻译：远程收取多个存款项目
公开(公告)号：US20120030117A1
公开(公告)日：2012-02-02
申请号：US12846208
申请日：2010-07-29
申请人： Lowell Robert Huff , Zhongmin Agarwal , David Todd Frew
发明人： Lowell Robert Huff , Zhongmin Agarwal , David Todd Frew
IPC分类号： G06K9/62 , G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/042 , G06Q40/00 , G06Q40/02 , G06Q40/06
摘要： Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information.
摘要翻译：本发明的实施例涉及用于处理图像的方法和装置，该图像显示多个存储项目，其中图像被远程捕获装置捕获。例如，一些实施例提供了一种方法，其包括：（a）接收显示多个存款项目的图像，其中图像被远程捕获设备捕获; （b）至少部分地基于图像识别与多个存款项目相关联的存货项目信息; 和/或（c）至少部分地基于存款项目信息记入账户。

3. 发明授权

US08473412B2 Remote capture of multiple deposit items 有权
标题翻译：远程捕获多个存款项目
公开(公告)号：US08473412B2
公开(公告)日：2013-06-25
申请号：US12846208
申请日：2010-07-29
申请人： Lowell Robert Huff , Zhongmin Agarwal , David Todd Frew
发明人： Lowell Robert Huff , Zhongmin Agarwal , David Todd Frew
IPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/06
CPC分类号： G06Q20/10 , G06Q20/042 , G06Q40/00 , G06Q40/02 , G06Q40/06
摘要： Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information.
摘要翻译：本发明的实施例涉及用于处理图像的方法和装置，该图像显示多个存储项目，其中图像被远程捕获装置捕获。例如，一些实施例提供了一种方法，其包括：（a）接收显示多个存款项目的图像，其中图像被远程捕获设备捕获; （b）至少部分地基于图像识别与多个存款项目相关联的存货项目信息; 和/或（c）至少部分地基于存款项目信息记入账户。

4. 发明申请

US20120177281A1 MOBILE COMMUNICATION DEVICE-BASED CHECK VERIFICATION 有权
标题翻译：基于移动通信设备的检查验证
公开(公告)号：US20120177281A1
公开(公告)日：2012-07-12
申请号：US13004372
申请日：2011-01-11
申请人： David Todd Frew
发明人： David Todd Frew
IPC分类号： G06K9/00
CPC分类号： G06Q30/0609 , G06Q20/042
摘要： Embodiments of the invention provide for mobile communication-based verification of the validity of negotiable checks. By verifying the validity of checks on a mobile communication device, the systems and methods provide for on-the-fly check verification regardless of where and/or at what time the check-related transaction occurs. The systems and methods validate the check in terms of insuring that the check is not fraudulent and, in some instances, providing certainty to the payee that the requisite funds currently exist in the related checking account. Additionally, the systems and methods provide for an efficient and readily identifiable means of conveying the outcome of the check verification process.
摘要翻译：本发明的实施例提供了基于移动通信的可协商检查的有效性的验证。通过验证移动通信设备上的检查的有效性，系统和方法提供即时检查验证，而不管在哪里和/或什么时候检查相关的事务发生。系统和方法验证支票的方式是确保支票不是欺诈性的，在某些情况下，向收款人确定所需资金目前存在于相关支票账户中。此外，系统和方法提供了有效和易于识别的方式来传达检查验证过程的结果。

5. 发明授权

US07630518B2 Image processing system 有权
标题翻译：图像处理系统
公开(公告)号：US07630518B2
公开(公告)日：2009-12-08
申请号：US11161475
申请日：2005-08-04
申请人： David Todd Frew , Matthew A. Calman , Mark David Felse , Kerry Cantley
发明人： David Todd Frew , Matthew A. Calman , Mark David Felse , Kerry Cantley
IPC分类号： G06K9/00
CPC分类号： G06Q20/0425 , G06K9/036 , G06Q10/10 , G06Q40/00
摘要： An image processing system requires that both a data file and an image file are received before the item is sent to a posting system. When a data file including an image is received, the system determines if the image was properly and timely received. If the file was properly received, the file is interpreted to ascertain whether the image has been previously tested and passed image quality analysis or if it requires testing by the receiving institution. If testing is required the image is sent through image quality analysis (IQA) to determine if the image meets an acceptable quality standard. If the image passes IQA, it is passed to the institution's posting process. If the image does not pass IQA and the failure is not overridden, the item is returned to the presenting institution. The system prevents the posting of the transaction and corresponding image until a quality image is received and approved.
摘要翻译：图像处理系统要求在将物品发送到发布系统之前接收数据文件和图像文件。当接收到包括图像的数据文件时，系统确定图像是否被正确和及时接收。如果文件被正确接收，则文件被解释以确定图像是否已经被测试并且经过图像质量分析，或者如果它需要接收机构的测试。如果需要测试，则通过图像质量分析（IQA）发送图像，以确定图像是否符合可接受的质量标准。如果图像通过IQA，它将被传递给该机构的发布过程。如果图像未通过IQA，并且故障不被覆盖，则该项目将返回给呈现机构。该系统防止事务和相应图像的发布，直到接收和批准质量图像。

6. 发明授权

US09064248B2 Remote capture of multiple deposit items using a grid 有权
标题翻译：使用网格远程捕获多个存款项目
公开(公告)号：US09064248B2
公开(公告)日：2015-06-23
申请号：US12846250
申请日：2010-07-29
申请人： Lowell Robert Huff , Zhongmin Agarwal , David Todd Frew
发明人： Lowell Robert Huff , Zhongmin Agarwal , David Todd Frew
IPC分类号： G06Q40/00 , G06Q20/04 , G06Q40/02 , G07D11/00 , G06F19/00 , G06T1/00 , G06F3/12 , G06F17/00 , G07F19/00
CPC分类号： G06Q20/042 , G06F3/12 , G06F17/00 , G06F19/00 , G06Q40/02 , G06T1/00 , G07D11/00 , G07F19/202
摘要： Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) displaying a grid on a display associated with a remote capture device, where the remote capture device is configured to capture an image that shows multiple deposit items, and where the grid comprises a plurality of grid portions; and (b) prompting a user of the remote capture device to arrange the multiple deposit items, or to position or operate the remote capture device, such that each of the deposit items in the multiple deposit items appears in a single grid portion of the display before the image is captured.
摘要翻译：本发明的实施例涉及用于处理图像的方法和装置，该图像显示多个存储项目，其中图像被远程捕获装置捕获。例如，一些实施例提供了一种方法，其包括：（a）在与远程捕获设备相关联的显示器上显示网格，其中远程捕获设备被配置为捕获显示多个存款项目的图像，以及网格包括多个网格部分; 和（b）提示远程捕获装置的用户安排多个存放物品，或者定位或操作远程捕获装置，使得多个存放物品中的每个存放物品出现在显示器的单个格栅部分中在图像被捕获之前。

7. 发明申请

US20100211483A1 SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MANAGING PAYMENT PROCESSES IN A COMPREHENSIVE PAYMENT HUB SYSTEM 有权
标题翻译：管理综合支付系统支付过程的系统，方法和计算机程序产品
公开(公告)号：US20100211483A1
公开(公告)日：2010-08-19
申请号：US12433267
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
IPC分类号： G06Q20/00 , G06Q10/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for managing the processing of a financial payment and, more specifically managing the processing of a financial payment in a comprehensive payment hub environment that provides for payment processing, including payment route determination, irrespective of the payment input channel. In accordance with embodiments herein disclosed, managing the processing of the payment includes automatically determining the payment processes and automatically determining the arrangement of the payment processes. As such, the methods, systems, and computer program products herein described provide for an efficient and cost-effective approach to processing payments.
摘要翻译：提供了系统，方法和计算机程序产品，用于管理金融支付的处理，并且更具体地管理在提供支付处理的综合支付中心环境中的金融支付的处理，包括支付路线确定，而不管支付输入通道。根据本文公开的实施例，管理付款的处理包括自动确定支付过程并自动确定支付过程的布置。因此，本文描述的方法，系统和计算机程序产品提供了处理支付的有效和成本有效的方法。

8. 发明申请

US20100211422A1 SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR STANDARDIZATION OF PAYMENT REQUESTS TO FACILITATE COMPREHENSIVE PAYMENT HUB PROCESSING 有权
标题翻译：系统，方法和计算机程序产品，用于标准化付款要求，以便促进综合付款处理
公开(公告)号：US20100211422A1
公开(公告)日：2010-08-19
申请号：US12433272
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
IPC分类号： G06Q20/00 , G06Q10/00
CPC分类号： G06Q20/023 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for conducting comprehensive payment processing of all payment requests regardless of the payment request channel. Payment requests are transformed from the initial format to a standardized format, which allows for the occurrence of further comprehensive payment processing, referred to herein as payment hub processing. Once the payment request has undergone necessary payment hub processing, the request undergoes further transformation/conversion from the standardized format to a target clearing format. In one embodiment of the invention, the processing hub provides for determining the clearing or remittance channel based on payment routing rules, which may take into account cost, time, risk and any other payment factors.
摘要翻译：提供系统，方法和计算机程序产品，用于对所有支付请求进行全面的支付处理，而不管支付请求信道如何。支付请求从初始格式转换为标准格式，这允许进一步全面支付处理的发生，这里称为支付集线器处理。一旦支付请求经过必要的支付中心处理，该请求将从标准化格式进一步转换/转换为目标清算格式。在本发明的一个实施例中，处理集线器提供基于支付路由规则来确定清算或汇款信道，这可以考虑到成本，时间，风险和任何其他支付因素。

9. 发明授权

US08606706B2 Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing 有权
标题翻译：用于标准化支付请求的系统，方法和计算机程序产品，以促进综合支付中心处理
公开(公告)号：US08606706B2
公开(公告)日：2013-12-10
申请号：US12433272
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
IPC分类号： G06Q40/00
CPC分类号： G06Q20/023 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for conducting comprehensive payment processing of all payment requests regardless of the payment request channel. Payment requests are transformed from the initial format to a standardized format, which allows for the occurrence of further comprehensive payment processing, referred to herein as payment hub processing. Once the payment request has undergone necessary payment hub processing, the request undergoes further transformation/conversion from the standardized format to a target clearing format. In one embodiment of the invention, the processing hub provides for determining the clearing or remittance channel based on payment routing rules, which may take into account cost, time, risk and any other payment factors.
摘要翻译：提供系统，方法和计算机程序产品，用于对所有支付请求进行全面的支付处理，而不管支付请求信道如何。支付请求从初始格式转换为标准格式，这允许进一步全面支付处理的发生，这里称为支付集线器处理。一旦支付请求经过必要的支付中心处理，该请求将从标准化格式进一步转换/转换为目标清算格式。在本发明的一个实施例中，处理集线器提供基于支付路由规则来确定清算或汇款信道，这可以考虑到成本，时间，风险和任何其他支付因素。

10. 发明授权

US08600789B1 System and method for processing offending items in a financial system 有权
标题翻译：处理金融系统违规项目的制度和方法
公开(公告)号：US08600789B1
公开(公告)日：2013-12-03
申请号：US12362833
申请日：2009-01-30
申请人： David Todd Frew , Gregory Clarence Brown , Melinda Karen Petty , George Miller Abernethy , Leslie Marie Doby , Pamela Rowland , Zhongmin Agarwal
发明人： David Todd Frew , Gregory Clarence Brown , Melinda Karen Petty , George Miller Abernethy , Leslie Marie Doby , Pamela Rowland , Zhongmin Agarwal
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q20/4016
摘要： An offending item detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The processing system may then analyze the captured documents to identify and flag suspected offending items such as duplicates. Suspected offending items may be removed from a processing stream and replaced by a substitute transaction to keep the financial system in balance and to reduce potential for processing backlog. In the meantime, the suspected offending item may be analyzed. If the item is a false positive, the substitute transaction may be canceled and the financial document reinserted into the processing stream. If the suspected item is a true offending item, the substitute transaction may be replaced by or converted into another transaction funded by a general suspense account.
摘要翻译：提供了一种违规物品检测系统，用于分析和处理在一个或多个捕获位点处接收的文件。物理文件可以在捕获位置被电子捕获，随后被传送到区域或中央处理系统。然后，处理系统可以分析所捕获的文档以识别和标记可疑的违规物品，例如重复的物品。怀疑的违规物品可能会从处理流中移除，并由替代交易代替，以使金融系统保持平衡，并减少处理积压的可能性。同时，可能会分析疑似违规项目。如果该项目为假阳性，替代交易可能会被取消，并将财务文件重新插入到处理流中。如果可疑项目是真正的违规项目，则替代交易可以被替换为或转换为由一般暂挂账户资助的另一笔交易。

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