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1. 发明申请

US20090018939A1 AUTOMATED FLOAT PRICING FOR GEOGRAPHICALLY DISTRIBUTED DEPOSITS AND ACCOUNTS 有权
标题翻译：用于地理分布式存款和账户的自动浮动定价
公开(公告)号：US20090018939A1
公开(公告)日：2009-01-15
申请号：US11774687
申请日：2007-07-09
申请人： Douglas P. Elliott , David McMann , Lowell R. Huff , Lynn Flesher , Clarence E. Lee, II , David Frew , Kelly S. Hall
发明人： Douglas P. Elliott , David McMann , Lowell R. Huff , Lynn Flesher , Clarence E. Lee, II , David Frew , Kelly S. Hall
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/00 , G06Q40/025
摘要： An automated system can be provided for continuously and accurately assigning float to deposit credits within a financial institution. A normalized market segment is continuously assigned to each account by extracting information from a plurality of disparate demand deposit account systems. Deposit credits are gathered from disparate known capture sites and the normalized market segment is assigned to a deposit credit for a corresponding account. A float assignment can then be made for a deposit credit so that the float reflects both a deposit location and current domestic information for the corresponding account. A system for implementing the invention can include a float system connected to a transaction exchange system.
摘要翻译：可以提供一个自动化系统，用于在金融机构内持续准确地分配浮动存款信用。通过从多个不同的需求存款账户系统中提取信息，将正常的市场分段连续分配给每个账户。存款信用是从不同的已知捕获站点收集的，并且归一化市场细分被分配给相应帐户的存款信用。然后，可以为存款信用进行浮动分配，以便浮动反映相应账户的存款位置和当前国内信息。用于实现本发明的系统可以包括连接到交易交换系统的浮动系统。

2. 发明授权

US08126803B2 Automated float pricing for geographically distributed deposits and accounts 有权
标题翻译：地理位置分布的存款和账户的自动浮动定价
公开(公告)号：US08126803B2
公开(公告)日：2012-02-28
申请号：US11774687
申请日：2007-07-09
申请人： Douglas P. Elliott , David McMann , Lowell R. Huff , Lynn Flesher , Clarence E. Lee, II , David Frew , Kelly S. Hall
发明人： Douglas P. Elliott , David McMann , Lowell R. Huff , Lynn Flesher , Clarence E. Lee, II , David Frew , Kelly S. Hall
IPC分类号： G06Q20/00
CPC分类号： G06Q40/04 , G06Q40/00 , G06Q40/025
摘要： An automated system can be provided for continuously and accurately assigning float to deposit credits within a financial institution. A normalized market segment is continuously assigned to each account by extracting information from a plurality of disparate demand deposit account systems. Deposit credits are gathered from disparate known capture sites and the normalized market segment is assigned to a deposit credit for a corresponding account. A float assignment can then be made for a deposit credit so that the float reflects both a deposit location and current domestic information for the corresponding account. A system for implementing the invention can include a float system connected to a transaction exchange system.
摘要翻译：可以提供一个自动化系统，用于在金融机构内持续准确地分配浮动存款信用。通过从多个不同的需求存款账户系统中提取信息，将正常的市场分段连续分配给每个账户。存款信用是从不同的已知捕获站点收集的，并且归一化市场细分被分配给相应帐户的存款信用。然后，可以为存款信用进行浮动分配，以便浮动反映相应账户的存款位置和当前国内信息。用于实现本发明的系统可以包括连接到交易交换系统的浮动系统。

3. 发明授权

US07275684B2 Method and system for consolidating cash letters 有权
标题翻译：合并现金字母的方法和制度
公开(公告)号：US07275684B2
公开(公告)日：2007-10-02
申请号：US10904931
申请日：2004-12-06
申请人： David McMann , Robert Bean
发明人： David McMann , Robert Bean
IPC分类号： G07F19/00
CPC分类号： G06Q20/023 , G06Q20/02 , G06Q20/0425 , G07F7/04
摘要： Method and system for consolidating cash letters. Embodiments of the invention provide methods and systems for consolidating cash letter data from a plurality of capture devices and sources. In example embodiments, data from multiple sites and sources can be assembled into a single, endpoint file for a specific clearing institution. The reformatting and distributing of this data can be accomplished using endpoint specific rules and specifications. In some embodiments, a transaction exchange (TRX) stores cash letter data according to a file key and applies the endpoint specific distribution controls to the data to create the specific endpoint files. The transaction exchange can take the form of a data warehouse with processing and storage capabilities necessary to sweep the appropriate cash letter data into an endpoint file as needed. An image archive can be provided to enable appending images to endpoint files.
摘要翻译：合并现金字母的方法和制度本发明的实施例提供了用于整合来自多个捕获装置和源的现金字母数据的方法和系统。在示例实施例中，来自多个站点和源的数据可以被组合成用于特定清算机构的单个端点文件。该数据的重新格式化和分发可以使用端点特定的规则和规范来实现。在一些实施例中，事务交换（TRX）根据文件密钥存储现金字母数据，并将端点特定分布控制应用于数据以创建特定端点文件。事务交换可以采取具有处理和存储功能的数据仓库的形式，以便根据需要将适当的现金字母数据扫描到端点文件中。可以提供图像存档以使图像能够附加到端点文件。

4. 发明申请

US20060118613A1 METHOD AND SYSTEM FOR CONSOLIDATING CASH LETTERS 有权
标题翻译：综合现金信函的方法和系统
公开(公告)号：US20060118613A1
公开(公告)日：2006-06-08
申请号：US10904931
申请日：2004-12-06
申请人： David McMann , Robert Bean
发明人： David McMann , Robert Bean
IPC分类号： G07F19/00
CPC分类号： G06Q20/023 , G06Q20/02 , G06Q20/0425 , G07F7/04
摘要： Method and system for consolidating cash letters. Embodiments of the invention provide methods and systems for consolidating cash letter data from a plurality of capture devices and sources. In example embodiments, data from multiple sites and sources can be assembled into a single, endpoint file for a specific clearing institution. The reformatting and distributing of this data can be accomplished using endpoint specific rules and specifications. In some embodiments, a transaction exchange (TRX) stores cash letter data according to a file key and applies the endpoint specific distribution controls to the data to create the specific endpoint files. The transaction exchange can take the form of a data warehouse with processing and storage capabilities necessary to sweep the appropriate cash letter data into an endpoint file as needed. An image archive can be provided to enable appending images to endpoint files.
摘要翻译：合并现金字母的方法和制度本发明的实施例提供了用于整合来自多个捕获装置和源的现金字母数据的方法和系统。在示例实施例中，来自多个站点和源的数据可以被组合成用于特定清算机构的单个端点文件。该数据的重新格式化和分发可以使用端点特定的规则和规范来实现。在一些实施例中，事务交换（TRX）根据文件密钥存储现金字母数据，并将端点特定分布控制应用于数据以创建特定端点文件。事务交换可以采取具有处理和存储功能的数据仓库的形式，以便根据需要将适当的现金字母数据扫描到端点文件中。可以提供图像存档以使图像能够附加到端点文件。

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