Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: A system comprises one or more modules to access a business rule, deconstruct the business rule into a condition and an associated action, determine a set of questions relevant to the condition, place the set of questions into a question queue, order the question queue, and present the question queue to a user. A system comprises one or more modules to determine a subject of the request received from a user, use the subject to obtain a set of relevant questions, examine each question and determine whether an answer to a current question is available in a storage area, and present the current question when the answer is not available. A system comprises one or more modules to access a decision tree, determine a current node, determine an estimated number of nodes between the current node and a leaf node, and present a representation using the estimated number of nodes.

Abstract: A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.

Abstract: The disclosure describes a biometric authentication system that can authorize a transaction at a retail store using a person's biometric data and password. The biometric authentication system may include a point-of-sale device that can receive a biometric data (e.g., voice data, fingerprint data, or facial data) of a person that initiates a transaction. The biometric authentication system may also include one or more authentication systems that analyzes the received biometric data, and an authorization system that compares data obtained from the one or more authentication systems and the POS device to determine whether the information obtained from the person is related to that person's biometric and password information previously stored by the authorization system.

Abstract: Systems/methods for sending offers to a user viewing a web page. A third-party offer engine proxy server is interposed between the user computing device and a destination web server to which the user is browsing. The offer engine proxy receives a first message comprising browsing information from the user computing device and sends the first message to the destination web server. The offer engine proxy receives a resulting web page from the destination web server. The offer engine proxy determines at least one topic of the browsing information. The offer engine proxy determines an offer to be sent to the user based on the at least one browsing information topic. The offer engine proxy modifies the resulting web page to include an offer to be sent to the user. The offer engine proxy sends a second message including the modified webpage and the offer to the user computing device.

Abstract: Techniques for detecting counterfeit checks include using sensors to determine correspondence between items detected on a check using machine vision. Correspondence between different items on a received check is used to generate a check score, which is compared to a risk-based threshold to determine how a transaction involving the check should be handled.

Abstract: Embodiments described herein disclose technology for allocating funds related to one or more in-game purchases when users interact with a gaming application. Based on the interactions of a user with the gaming application running on a client device of the user, a gaming server receives information of an in-game purchase by the user. The gaming server notifies a second computer server of the in-game purchase which sends an activation link to the user. When the second computer detects selection of the activation link, funds are electronically transferred from the gaming application to one or more accounts. In some embodiments, the funds allocated to the one or more accounts can be a percentage of the in-game purchase amount.

Abstract: Intelligent micro devices on a vehicle can be scanned or read using a reading device. A map or data indicative of the micro devices on the vehicle can be generated by scanning the vehicle. The data or map may be used to determine loss or transfer of one or more micro devices on the vehicle. An accident associated with the vehicle can be determined based on loss or transfer of one or more the micro devices. The micro devices can store data associated with the vehicle, including an identity of the vehicle and a history of the vehicle. The micro devices can be read to determine the identity of the vehicle or another vehicle involved in the accident.

Abstract: A system, method, and computer-usable medium are disclosed for managing financial transactions by controlling the purchase of allowed and disallowed purchase items. A transaction control card is used to purchase a purchase item. Account information related to the transaction control card and purchase item data related to the purchase item is then processed to determine whether the purchase item is disallowed for purchase by any single, or combination of, disallowed purchase item data parameters.

Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: A digital image of a check may be divided into segments. The segments may be processed to determine the edges between the background data and the check data in the segments of the digital image. A histogram of each segment may be determined and used to determine the edges of the check image portions in the segments and thus the edges of the check. The data outside the edges of the check image portions in the segments may be considered to be background data and may be identified and/or removed. The segments, with the background data removed, may be recombined into an image of the check and provided into a digital image file that may be transmitted to an institution system for deposit of the check in an account.

Abstract: A digital image of a check may be divided into segments. The segments may be processed to determine the edges between the background data and the check data in the segments of the digital image. A histogram of each segment may be determined and used to determine the edges of the check image portions in the segments and thus the edges of the check. The data outside the edges of the check image portions in the segments may be considered to be background data and may be identified and/or removed. The segments, with the background data removed, may be recombined into an image of the check and provided into a digital image file that may be transmitted to an institution system for deposit of the check in an account.

Abstract: The described embodiments contemplate a system, method and computer readable medium with computer-executable instructions for recording information relating to an accident. In one exemplary and non-limiting embodiment, once an accident is detected, a storage file is created, and information relating to the accident is stored in the storage file. In another exemplary and non-limiting embodiment, an insurance company may process a claim by receiving a notification that an accident has occurred, transmitting a request to record information relating to the accident, receiving the information, establishing an accident record, and processing an insurance claim. In another exemplary and non-limiting embodiment, an accident is detected, primary accident information is transmitted from a first recording device, a communication link is established between the first recording device and a second recording device, and a request is transmitted to the second recording device to transmit secondary accident information.

Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.

Abstract: Systems/methods for sending offers to a user viewing a web page. A third-party offer engine proxy server is interposed between the user computing device and a destination web server to which the user is browsing. The offer engine proxy receives a first message comprising browsing information from the user computing device and sends the first message to the destination web server. The offer engine proxy receives a resulting web page from the destination web server. The offer engine proxy determines at least one topic of the browsing information. The offer engine proxy determines an offer to be sent to the user based on the at least one browsing information topic. The offer engine proxy modifies the resulting web page to include an offer to be sent to the user. The offer engine proxy sends a second message including the modified webpage and the offer to the user computing device.

Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: A system comprises one or more modules to access a business rule, deconstruct the business rule into a condition and an associated action, determine a set of questions relevant to the condition, place the set of questions into a question queue, order the question queue, and present the question queue to a user. A system comprises one or more modules to determine a subject of the request received from a user, use the subject to obtain a set of relevant questions, examiner each question and determine whether an answer to a current question is available in a storage area, and present the current question when the answer is not available. A system comprises one or more modules to access a decision tree, determine a current node, determine an estimated number of nodes between the current node and a leaf node, and present a representation using the estimated number of nodes.

Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: Intelligent micro devices on a vehicle can be scanned or read using a reading device. A map or data indicative of the micro devices on the vehicle can be generated by scanning the vehicle. The data or map may be used to determine loss or transfer of one or more micro devices on the vehicle. An accident associated with the vehicle can be determined based on loss or transfer of one or more the micro devices. The micro devices can store data associated with the vehicle, including an identity of the vehicle and a history of the vehicle. The micro devices can be read to determine the identity of the vehicle or another vehicle involved in the accident.