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1. 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。

2. 发明申请

US20090292628A1 SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PERFORMING ITEM LEVEL TRANSACTION PROCESSING 有权
标题翻译：用于执行项目级别交易处理的系统，方法和计算机程序产品
公开(公告)号：US20090292628A1
公开(公告)日：2009-11-26
申请号：US12126707
申请日：2008-05-23
申请人： Eric Dryer , George Miller Abernethy , Ronald Hollander , Lowell Robert Huff , Sean Kang , Clarence E. Lee , Eric Scott Sandoz , Jeffrey Robert Woodside
发明人： Eric Dryer , George Miller Abernethy , Ronald Hollander , Lowell Robert Huff , Sean Kang , Clarence E. Lee , Eric Scott Sandoz , Jeffrey Robert Woodside
IPC分类号： G06Q10/00 , G06F17/30 , G06F7/06
CPC分类号： G06Q40/02 , G06Q40/12
摘要： The present invention provides systems, methods, and computer program products for performing validation and clearance at a transaction item level for transaction received in a batch format. Each transaction of the batch is stored separately in a storage system, such as a logical database. Typically, image data and electronic data for a transaction are stored separately in the storage system and may be linked to each other. Each transaction is separately accessible and/or updateable. Each transaction stored in the storage system is separately analyzed to validate that the transaction is at least balanced. Transactions that determined to be balanced are cleared irrespective of a balance status associated with other transactions associated with the batch of transactions, such that transactions are individually cleared as opposed to being cleared in a batch format.
摘要翻译：本发明提供了用于在交易项目级别执行以批量格式接收的交易的验证和清除的系统，方法和计算机程序产品。批次的每个事务分开存储在诸如逻辑数据库的存储系统中。通常，用于交易的图像数据和电子数据被分别存储在存储系统中并且可以彼此链接。每个交易可以单独访问和/或可更新。存储在存储系统中的每个事务被分开分析，以验证事务至少是平衡的。无论与批次交易相关的其他交易相关联的余额状态如何，都会清除确定为均衡的交易，这样交易将被单独清除，而不是以批量格式清除。

3. 发明授权

US08793191B2 System and method for duplicate detection 有权
标题翻译：重复检测的系统和方法
公开(公告)号：US08793191B2
公开(公告)日：2014-07-29
申请号：US11555444
申请日：2006-11-01
申请人： George Miller Abernethy , Melinda Hiler , Dave Wellington McMann , Steve David Poinier , Geoffrey Reed Williams
发明人： George Miller Abernethy , Melinda Hiler , Dave Wellington McMann , Steve David Poinier , Geoffrey Reed Williams
IPC分类号： G06Q40/00 , G06Q20/04
CPC分类号： G06Q20/4016 , G06Q20/042 , G06Q30/018 , G06Q40/00
摘要： A duplicate 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 regional or central processing system may receive capture documents from multiple capture sites. The processing system may analyze the captured documents to identify and flag false-positives prior to performing duplicate detection. Duplicate detection may be performed in accordance with predefined rules associated with false-positive flags. Once duplicate detection is complete, suspected duplicates may undergo manual review while non-duplicates are released for posting or dispatching.
摘要翻译：提供了一个重复的检测系统，用于分析和处理在一个或多个捕获位点接收的文件。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。区域或中央处理系统可以从多个捕获站点接收捕获文件。处理系统可以在执行重复检测之前分析捕获的文档以识别和标记假阳性。可以根据与假阳性标志相关联的预定义规则执行重复检测。一旦重复检测完成，怀疑的重复可能会进行手动审查，而不重复的发布或发布。

4. 发明授权

US08165933B2 Systems, methods, and computer program products for performing item level transaction processing 有权
标题翻译：用于执行项目级别事务处理的系统，方法和计算机程序产品
公开(公告)号：US08165933B2
公开(公告)日：2012-04-24
申请号：US12126707
申请日：2008-05-23
申请人： Eric Dryer , George Miller Abernethy , Ronald Hollander , Lowell Robert Huff , Sean Kang , Clarence E. Lee , Eric Scott Sandoz , Jeffrey Robert Woodside
发明人： Eric Dryer , George Miller Abernethy , Ronald Hollander , Lowell Robert Huff , Sean Kang , Clarence E. Lee , Eric Scott Sandoz , Jeffrey Robert Woodside
IPC分类号： G07B17/00 , G07F19/00
CPC分类号： G06Q40/02 , G06Q40/12
摘要： The present invention provides systems, methods, and computer program products for performing validation and clearance at a transaction item level for transaction received in a batch format. Each transaction of the batch is stored separately in a storage system, such as a logical database. Typically, image data and electronic data for a transaction are stored separately in the storage system and may be linked to each other. Each transaction is separately accessible and/or updateable. Each transaction stored in the storage system is separately analyzed to validate that the transaction is at least balanced. Transactions that determined to be balanced are cleared irrespective of a balance status associated with other transactions associated with the batch of transactions, such that transactions are individually cleared as opposed to being cleared in a batch format.
摘要翻译：本发明提供了用于在交易项目级别执行以批量格式接收的交易的验证和清除的系统，方法和计算机程序产品。批次的每个事务分开存储在诸如逻辑数据库的存储系统中。通常，用于交易的图像数据和电子数据被分别存储在存储系统中并且可以彼此链接。每个交易可以单独访问和/或可更新。存储在存储系统中的每个事务被分开分析，以验证事务至少是平衡的。无论与批次交易相关的其他交易相关联的余额状态如何，都会清除确定为均衡的交易，这样交易将被单独清除，而不是以批量格式清除。

5. 发明授权

US08719160B1 Processing payment items 有权
标题翻译：处理付款项目
公开(公告)号：US08719160B1
公开(公告)日：2014-05-06
申请号：US12177044
申请日：2008-07-21
申请人： George Miller Abernethy , Tony England , Clarence Lee
发明人： George Miller Abernethy , Tony England , Clarence Lee
IPC分类号： G06Q20/04 , G06Q20/40
CPC分类号： G06Q20/04 , G06Q20/042 , G06Q20/40
摘要： Payment items are received and processed in the course of a financial transaction. For example, a paying bank may receive an electronic transmission corresponding to a imaged check from a depositing bank. The paying bank may attempt to identify a reason for return within the payment item. If a reason for return is found, a determination may be made that the payment item is a re-clear payment item that has been previously transmitted by the depositing bank and returned by the paying bank. After determining that a payment item is a re-clear, the item may be processed within the paying bank along an abbreviated processing path for faster and less costly item processing. For example, in systems in which duplicate detection is performed on payment items, re-clear items may be classified separately and need not undergo certain automated and/or manual duplicate detection processes.
摘要翻译：付款项目在金融交易过程中收到和处理。例如，支付银行可以从存款银行接收对应于成像支票的电子传输。付款银行可能会尝试在付款项目中确定退货原因。如果找到返回原因，则可以确定支付项目是先前由存款银行发送并由付款银行返回的重新清算的支付项目。在确定支付项目是重新清除之后，可以在付款银行内沿着缩写处理路径处理该项目，以便更快和更便宜的项目处理。例如，在对支付项目执行重复检测的系统中，重新清除项目可以分开分类，并且不需要经历某些自动和/或手动重复检测过程。

6. 发明授权

US08126252B2 Method and system for enhanced check image privacy 有权
标题翻译：增强检查图像隐私的方法和系统
公开(公告)号：US08126252B2
公开(公告)日：2012-02-28
申请号：US11553269
申请日：2006-10-26
申请人： George Miller Abernethy , Matthew A. Calman , Kathryn B. Carmody , Gregory Tyrone Domally , Lowell R. Huff , Clarence E. Lee, II , Joseph P. Shuster , Carol W. Wiles
发明人： George Miller Abernethy , Matthew A. Calman , Kathryn B. Carmody , Gregory Tyrone Domally , Lowell R. Huff , Clarence E. Lee, II , Joseph P. Shuster , Carol W. Wiles
IPC分类号： G06K9/00
CPC分类号： G06K9/033 , G06Q20/042 , G07F7/04 , G07F7/122
摘要： A method and system for enhanced check image privacy are disclosed. Embodiments of the present invention provide a way to automatically link the results from quality assurance software to a check image archive to appropriately mark images as unretrievable by customers. Images are interrogated with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches associated, stored magnetic ink character recognition (MICR) data is below a pre-set threshold. The image can be then automatically designated in the financial document archive. The image can be displayed to an operator for analysis when the confidence score is above the pre-set threshold and below a pre-set limit, or in cases where the confidence score cannot be determined by the data matching algorithm.
摘要翻译：公开了一种用于增强检查图像隐私的方法和系统。本发明的实施例提供了一种将质量保证软件的结果自动链接到检查图像存档以便将图像适当地标记为不能由客户获得的图像的方法。用数据匹配算法询问图像以确定表示图像匹配相关联的存储的磁墨水字符识别（MICR）数据的可能性的置信度分数是否低于预设阈值。然后可以在财务文件归档中自动指定图像。当置信度分数高于预设阈值并低于预设限制时，或者在不能用数据匹配算法确定置信度分数的情况下，图像可以显示给操作者进行分析。

7. 发明申请

US20080103790A1 SYSTEM AND METHOD FOR DUPLICATE DETECTION 有权
标题翻译：用于重复检测的系统和方法
公开(公告)号：US20080103790A1
公开(公告)日：2008-05-01
申请号：US11555444
申请日：2006-11-01
申请人： George Miller Abernethy , Melinda Hiler , David Wellington McMann , Stephen David Poinier , Geoffrey Reed Williams
发明人： George Miller Abernethy , Melinda Hiler , David Wellington McMann , Stephen David Poinier , Geoffrey Reed Williams
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q20/4016 , G06Q20/042 , G06Q30/018 , G06Q40/00
摘要： A duplicate 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 regional or central processing system may receive capture documents from multiple capture sites. The processing system may analyze the captured documents to identify and flag false-positives prior to performing duplicate detection. Duplicate detection may be performed in accordance with predefined rules associated with false-positive flags. Once duplicate detection is complete, suspected duplicates may undergo manual review while non-duplicates are released for posting or dispatching.
摘要翻译：提供了一个重复的检测系统，用于分析和处理在一个或多个捕获位点接收的文件。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。区域或中央处理系统可以从多个捕获站点接收捕获文件。处理系统可以在执行重复检测之前分析捕获的文档以识别和标记假阳性。可以根据与假阳性标志相关联的预定义规则执行重复检测。一旦重复检测完成，怀疑的重复可能会进行手动审查，而不重复的发布或发布。

8. 发明申请

US20080101680A1 SAFTY DEVICE FOR A MOTOR VEHICLE INCLUDING A FRONT-END STRUCTURE 有权
标题翻译：一种包括前端结构的电动车的安全装置
公开(公告)号：US20080101680A1
公开(公告)日：2008-05-01
申请号：US11553269
申请日：2006-10-26
申请人： George Miller Abernethy , Matthew A. Calman , Kathryn B. Carmody , Gregory Tyrone Domally , Lowell R. Huff , Clarence E. Lee , Joseph P. Shuster , Carol W. Wiles
发明人： George Miller Abernethy , Matthew A. Calman , Kathryn B. Carmody , Gregory Tyrone Domally , Lowell R. Huff , Clarence E. Lee , Joseph P. Shuster , Carol W. Wiles
IPC分类号： G06K9/00
CPC分类号： G06K9/033 , G06Q20/042 , G07F7/04 , G07F7/122
摘要： A method and system for enhanced check image privacy are disclosed. Embodiments of the present invention provide a way to automatically link the results from quality assurance software to a check image archive to appropriately mark images as unretrievable by customers. Images are interrogated with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches associated, stored magnetic ink character recognition (MICR) data is below a pre-set threshold. The image can be then automatically designated in the financial document archive. The image can be displayed to an operator for analysis when the confidence score is above the pre-set threshold and below a pre-set limit, or in cases where the confidence score cannot be determined by the data matching algorithm.
摘要翻译：公开了一种用于增强检查图像隐私的方法和系统。本发明的实施例提供了一种将质量保证软件的结果自动链接到检查图像存档以便将图像适当地标记为不能由客户获得的图像的方法。用数据匹配算法询问图像以确定表示图像匹配相关联的存储的磁墨水字符识别（MICR）数据的可能性的置信度分数是否低于预设阈值。然后可以在财务文件归档中自动指定图像。当置信度高于预设阈值并低于预设限制时，或者在不能用数据匹配算法确定置信度分数的情况下，可以将图像显示给操作者进行分析。

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