With Paper Check Handling Patents (Class 705/45)
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Patent number: 11956223Abstract: The techniques herein are directed generally to a “zero-knowledge” data management network. Users are able to share verifiable proof of data and/or identity information, and businesses are able to request, consume, and act on the data—all without a data storage server or those businesses ever seeing or having access to the raw sensitive information (where server-stored data is viewable only by the intended recipients, which may even be selected after storage). In one embodiment, source data is encrypted with a source encryption key (e.g., source public key), with a rekeying key being an encrypting combination of a source decryption key (e.g., source private key) and a recipient's public key. Without being able to decrypt the data, the storage server can use the rekeying key to re-encrypt the source data with the recipient's public key, to then be decrypted only by the corresponding recipient using its private key, accordingly.Type: GrantFiled: May 28, 2021Date of Patent: April 9, 2024Assignee: JOURNEY.AIInventors: Brett Shockley, Alexander John Shockley, Michael Joseph Frendo, Shmuel Shaffer, Kenneth Keiter, James M. Behmke
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Patent number: 11900289Abstract: The present disclosure describes devices and methods of providing a technology environment for analyzing unstructured data to generate structured data. A set of electronic documents, each electronic document associated with a type of product, may be accessed. A data instance for each of the documents may be generated. The data instance may include a plurality of data fields that are based on the type of product. The electronic documents may be analyzed to identify values for each of the plurality of data fields. Analyzing the electronic documents may comprise applying a respective character recognition algorithm to respective electronic documents, and assigning a confidence factor to each of the values. The data instances comprising the values for each of the plurality of data fields may be stored in a second database.Type: GrantFiled: October 30, 2020Date of Patent: February 13, 2024Assignee: WELLS FARGO BANK, N.A.Inventors: Manoranjan Kumar, Stacy R. Henryson, Richard Penfil, II, Nikhil Jog, Bradley Miller, Matthew D. Wilson
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Patent number: 11893628Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.Type: GrantFiled: February 23, 2022Date of Patent: February 6, 2024Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Teddy Voutour, Bharat Prasad
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Patent number: 11880814Abstract: Aspects of the disclosure relate to an IoT (Internet of Things) enabled device that initiates online or offline payment requests. In some arrangements, the IoT payment device may be managed through a central dashboard available via a stationary computing device or mobile device. In an embodiment, an IoT payment device may provide real-time updates that include data such as device function, alerts on maintenance needs, and direct contact with the service provider for any requests related to the IoT devices.Type: GrantFiled: January 5, 2022Date of Patent: January 23, 2024Assignee: Bank of America CorporationInventors: Udaya Kumar Raju Ratnakaram, Sriram Balasubramanian
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Patent number: 11715090Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.Type: GrantFiled: July 8, 2022Date of Patent: August 1, 2023Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.Inventors: Taiming Feng, Yingde Liu
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Patent number: 11710109Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.Type: GrantFiled: May 27, 2022Date of Patent: July 25, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Miranda C. Hill, Dennis E. Montenegro, Alicia Y. Moore, Susan Symons, Timothy R. Ward
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Patent number: 11704638Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.Type: GrantFiled: April 18, 2022Date of Patent: July 18, 2023Assignee: WELLS FARGO BANK, N.A.Inventors: Darren M. Goetz, Miranda C. Hill, Dennis E. Montenegro, Alicia Y. Moore, Susan Symons, Timothy R. Ward
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Patent number: 11687938Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.Type: GrantFiled: October 26, 2020Date of Patent: June 27, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Timothy Kramme, Elizabeth A. Flowers, Reena Batra, Miriam Valero, Puneit Dua, Shanna L. Phillips, Russell Ruestman, Bradley A. Craig
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Patent number: 11687935Abstract: Disclosed are methods and systems for validating instruments. For instance, a request to generate a cashier's check may be received from an application executing on a drawer's computing device. Request information may be stored within a data storage entry for the check, and a code to be printed on the check may be generated to include at least a portion of the request information. Instructions may be provided to a printing system to cause the check to be printed with the code, where the printed check is invalid. Instructions may be provided to the application and/or printing system to cause display of a prompt to facilitate a reading of the code to validate the check. When information within the code is read by and received from the printing system, the check may be validated, which triggers a transfer of funds from the drawer's account. Otherwise, the check may remain invalid.Type: GrantFiled: April 6, 2022Date of Patent: June 27, 2023Assignee: Capital One Services, LLCInventors: David Kelly Wurmfeld, Kevin Osborn
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Patent number: 11682023Abstract: A method performed by a processor of a financial institution computing system includes allowing an account holder at the financial institution to initiate a transaction with the financial institution remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a financial institution's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepared so that the account holder can provide the proper authentication information and access the lockbox.Type: GrantFiled: May 23, 2022Date of Patent: June 20, 2023Assignee: WELLS FARGO BANK, N.A.Inventors: Miranda C. Hill, Alicia Y. Moore, Susan Symons
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Patent number: 11657054Abstract: A system and a method are disclosed for identifying a co-applicant based on proximity to an applicant. In an embodiment, a processor determines a location of the applicant, and identifies a plurality of potential co-applicants that are collocated with the location of the applicant. For each respective potential co-applicant of the plurality of potential co-applicants, the processor determines whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant, and, responsive to determining that the respective edge exists, identifies the respective potential co-applicant as a candidate co-applicant. The processor generates for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application. Responsive to detecting a selection of the selectable option, the processor activates the application at a device of the candidate co-applicant.Type: GrantFiled: January 14, 2022Date of Patent: May 23, 2023Assignee: iCreditWorks Inc.Inventors: Suresh G. Nair, Stephen Earl Sweeney, Mark David Alexander
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Patent number: 11640611Abstract: Verifying a check includes receiving, from a check issuer computer system, first check information comprising a first routing number, a first account number, a first check number, and a first dollar amount associated with an issued check. The verifying also includes receiving from a computer system of a payee financial institution, second check information comprising a second routing number, a second account number, a second check number, and a second dollar amount from a received paper check. The method includes verifying that the first check information corresponds to the second check information and sending, to the computer system of the payee financial institution in response to the first check information matching the second check information, a verification message indicating that the first check information corresponds to the second check information.Type: GrantFiled: December 8, 2021Date of Patent: May 2, 2023Inventors: Yuh-Shen Song, Catherine Lew, Alexander Song, Victoria Song
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Patent number: 11631067Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.Type: GrantFiled: January 20, 2021Date of Patent: April 18, 2023Assignee: Bank of America CorporationInventors: Robertson Walters Greenbacker, Heather Roseann Dolan, Justin duPont
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Patent number: 11631269Abstract: Potentially fraudulent documents can be identified automatically and flagged for further review. Document fraud detection can include a number of fraud detection tests, where if the document fails any of the tests, the document can be flagged for further review. Various tests can be performed that seek to determine whether a document has been altered. In one instance, a financial instrument can be scanned and analyzed to identify one or more layers associated with the financial instrument from a scanned representation, and a check of transaction details can be triggered when the financial instrument is associated with multiple layers.Type: GrantFiled: August 4, 2020Date of Patent: April 18, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Rameshchandra Bhaskar Ketharaju, Ramanathan Ramanathan, Ramakrishna Bejjanki, Sumanth Kumar Charugundla, Prasanna K. Ammiraju
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Patent number: 11615491Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: an application server coupled with a database and configured to store information associated with a plurality of transactions, the information including account information related to a user account maintained by a first financial institution, a recipient identifier, and account information related to a recipient account maintained with a second financial institution, the application server further configured to: receive transaction data associated with a payment of the transaction, the transaction data comprising an identifier and user account information; identify the recipient account information based on a comparison of the received identifier against the stored recipient identifier; generate transfer instructions data based on the transaction data and recipient account information; and forward the transfer instructions data to the first financial institution based on the user account informatioType: GrantFiled: February 12, 2021Date of Patent: March 28, 2023Assignee: ZOCCAM TECHNOLOGIES, INC.Inventor: Ashley Cook
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Patent number: 11610217Abstract: An example computing device includes: a processor; and a system memory, the system memory including instructions which, when executed by the processor, cause the computing device to: identify a financial account associated with debit card use; parse financial transactions associated with the financial account to identify debit card transactions; categorize the debit card transactions into categories based upon types of merchants; map the categories to incentives associated with a credit card; and present potential savings associated with the incentives.Type: GrantFiled: December 17, 2021Date of Patent: March 21, 2023Assignee: Wells Fargo Bank, N, A.Inventor: Venkatesh Hebbar
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Patent number: 11562450Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: an application server coupled with a database and configured to store information associated with a plurality of transactions, the information including account information related to a user account maintained by a first financial institution, a recipient identifier, and account information related to a recipient account maintained with a second financial institution, the application server further configured to: receive transaction data associated with a payment of the transaction, the transaction data comprising an identifier and user account information; identify the recipient account information based on a comparison of the received identifier against the stored recipient identifier; generate transfer instructions data based on the transaction data and recipient account information; and forward the transfer instructions data to the first financial institution based on the user account informatioType: GrantFiled: May 5, 2021Date of Patent: January 24, 2023Assignee: ZOCCAM TECHNOLOGIES, INC.Inventor: Ashley Cook
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Patent number: 11551229Abstract: A computer-implemented method, system, and computer program product for reducing fraud based on a forged or altered payslip. A blockchain is configured for recording transactions. A payslip is prepared having information regarding an employee. At least one hash is provided for a portion of the information. The at least one hash and the portion of the information is recorded in the blockchain as a blockchain transaction. A barcode is configured to act as a pointer for locating the blockchain transaction. The barcode is inserted into a barcode location on the payslip. The payslip is delivered to the employee.Type: GrantFiled: February 5, 2019Date of Patent: January 10, 2023Assignee: ADP, Inc.Inventors: Gregoire Zveguintzoff, Dominique Rodier, Gilbert Musnik
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Patent number: 11468426Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.Type: GrantFiled: June 16, 2020Date of Patent: October 11, 2022Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.Inventors: Taiming Feng, Yingde Liu
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Patent number: 11436579Abstract: Aspects of the disclosure relate to performing enhanced deposit item processing using cognitive automation tools. In some embodiments, a computing platform may receive, from a deposit item input support server, image data associated with a deposit item. Subsequently, the computing platform may apply a machine learning classification model to the image data associated with the deposit item. In doing so, the computing platform may produce one or more predicted values for one or more fields of the deposit item and one or more confidence scores for the one or more predicted values. Based on these predicted values and confidence scores, the computing platform may generate and send one or more commands directing the deposit item input support server to accept or reject the deposit item, which in turn may cause the deposit item input support server to accept or reject the deposit item.Type: GrantFiled: May 4, 2020Date of Patent: September 6, 2022Assignee: Bank of America CorporationInventors: Barry Hall, Adam Desautels, Verlon S. Watson, Letishia R. Hunt, Brendan P. Murphy, Charles Christopher Harbinson
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Patent number: 11381632Abstract: Systems, methods and computer programs for transferring data in a communication system are described. The communication system has a first node arranged to send data to a plurality of second nodes using a first protocol. The first protocol allows the transfer of data of a first type. At least one of the second nodes additionally requires data of a second type, which is not included in the data sent according to the first protocol. First data, of the first type, is transferred to a plurality of the second nodes using the first protocol. Second data, of the second type, is stored in a memory. Subsequently, in response to a request, access to the second data is provided to the second node.Type: GrantFiled: May 21, 2019Date of Patent: July 5, 2022Inventor: Boris Taratine
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Patent number: 11354613Abstract: Described are a system, method, and computer program product for evaluating location-based risk associated with a remote transaction request. The method includes receiving, from a service provider system, a transaction request for a transaction between a user and the service provider system for a requested service, the transaction request identifying at least a location for the requested service. The method also includes generating a risk score for the transaction based at least partially on the transaction request, the location for the requested service, and historical transaction data. The method further includes communicating the risk score for the transaction to the service provider system. Communicating the risk score to the service provider system causes the service provider system to take at least one action based at least partially on the risk score for the transaction.Type: GrantFiled: October 3, 2018Date of Patent: June 7, 2022Assignee: Visa International Service AssociationInventor: Papak Mondal
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Patent number: 11250397Abstract: The disclosure describes an apparatus having programmed instructions that when executed cause the apparatus to receive, via a communication network, a paper check image and payer information captured by an application at a device associated with a checking account holder; build an image file using the received paper check image and payer information; send the built image file to a payee financial institution server using the received payer information; and transmit payment confirmation to the device associated with the checking account holder.Type: GrantFiled: December 2, 2019Date of Patent: February 15, 2022Assignee: U. S. Bancorp, National AssociationInventors: Michael P. Hunter, Souvik Sarkar, Anuradha Somani
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Patent number: 10997117Abstract: A real-time data processing system is provided comprising a memory device with computer-readable program code stored thereon, a communication device in communication with a network, and a processing device operatively coupled to the memory device and the communication device. The system establishes an operable communication linkage with a first entity system and a second entity system, the first entity system and the second entity system sharing access to a resource repository stored on the second entity system. The system generates a repository image of the resource repository and tracks an interaction with the resource repository in real-time. Based on the tracked interaction, the system synchronizes the repository image with the resource repository, wherein synchronizing the repository image comprises mirroring the interaction on the repository image and updating the first entity system based on the repository image.Type: GrantFiled: June 26, 2018Date of Patent: May 4, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Chung-Di Chou, Bonnie L. Dolan, Lee Ann Proud, Lisa Janette Ebba Weekes
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Patent number: 10990656Abstract: A customer service document with an electrical data storage device is provided to deliver customer service information in a secured manner. The data storage device is attached to the customer service document and configured to contain information to be transferred to a customer's data reading device via short-range communication once the data reading device is authenticated. The transferred information can be used by the data reading device in various applications without identity theft concerns.Type: GrantFiled: February 15, 2018Date of Patent: April 27, 2021Assignee: Wells Fargo Bank, N.A.Inventor: Kourtney Eidam
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Patent number: 10970688Abstract: A method including registering, by a computer system of a second financial institution, a recipient using at least one public identifier. The method also can include receiving an expedited funds transfer message. The method additionally can include determining the account number of the recipient account using the private identifier. The method further can include, before the second financial institution receives the sender funds, the second financial institution providing the recipient funds to the recipient account using the account number of the recipient account before the second financial institution receives the sender funds. The method additionally can include notifying the recipient, using at least one of the at least one public identifier, that a payment has been provided to the recipient account in real-time after initiation of the expedited funds transfer message from the first financial institution. Other embodiments are disclosed.Type: GrantFiled: June 10, 2019Date of Patent: April 6, 2021Assignee: EARLY WARNING SERVICES, LLCInventors: Sri Saravana Muthu, Jeffrey Cornman, Michael Joseph Kennedy, Sergei Lilichenko, Melissa Lowry, Clinton Gilliam, III
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Patent number: 10949821Abstract: Techniques are described for performing forensic assisting and tracing of transaction data from an automated teller machine (ATM) to detect suspicious activity and potential security threats. The techniques include a forensic assisting and tracing (FAST) ATM configured to intercept data packets including transaction data generated by the ATM; map, store, and index the transaction data; and analyze metadata for the transaction data to generate reports on the operation of the ATM for a higher-level hub server. In some examples, a plurality of FAST ATMs may be networked to the hub server such that the hub server receives reports from each of the individual FAST ATMs and analyzes the reports to identify larger, global trends of suspicious activity and potential security threats.Type: GrantFiled: September 26, 2017Date of Patent: March 16, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Raziq Yaqub, Abhijit Rao
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Patent number: 10650297Abstract: In some embodiments, apparatuses and methods are provided herein useful to printing radio frequency identification tag on a sales receipt. In some embodiments, a system comprises a printer, wherein the printer is configured to produce at least a portion of circuitry required for the RFID tag and a control circuit communicatively coupled to the printer, the control circuit configured to identify items associated with a transaction, determine the at least the portion of the circuitry of the RFID tag to be printed, associated the RFID tag with one or more of the items, cause the printer to print the at least the portion of the circuitry required for the RFID tag on the receipt, receive, from an RFID reader, an indication of the RFID tag and indications of RFID tags associated with products, and compare the indications of the RFID tags associated with products and the one or more of the items associated with the RFID tag.Type: GrantFiled: July 19, 2018Date of Patent: May 12, 2020Assignee: Walmart Apollo, LLCInventors: Steven J. Lewis, Anthony G. Wind, III, Richard A. White
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Patent number: 10607236Abstract: Methods, systems and instructions stored on computer-readable media for receiving a plurality of invoices associated a vendor and one or more buyers. Each invoice is associated with a respective buyer and includes an invoice amount to be paid by a deadline. Each invoice is sent to the respective buyer. Possible early payment invoices that are available for early payment prior to the respective deadline from the plurality of invoices are determined. Notification, including a discount, is sent to the vendor regarding the possible early payment invoices. Approval to receive early payment of one or more of the possible early payment invoices is determined. A vendor financial institution and account, and buyer financial institutions and accounts are determined. A quantity of funds based upon the invoice amount and the discount of the one or more of the possible early payment invoices is transferred from the buyer accounts to the vendor account.Type: GrantFiled: July 11, 2012Date of Patent: March 31, 2020Assignee: VIEWPOST, LLCInventor: Max Eliscu
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Patent number: 10506641Abstract: Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.Type: GrantFiled: January 4, 2016Date of Patent: December 10, 2019Assignee: BANK OF AMERICA CORPORATIONInventors: Kevin T. Cole, Matthew Hsieh, Scott T. Enscoe, Caitlin Chrisman Bullock
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Patent number: 10475004Abstract: For a consumer having a bank checking account but who is without a preprinted paper check, a signed paper check is electronically constructed for the consumer on a transaction basis, by a computer system. The system captures GPS location from the consumer's phone and prints numerical GPS coordinates onto the check as part of electronically constructing the signed check. One usage context is a system used by creditors obtaining payment from debtors who are overdue on their accounts.Type: GrantFiled: October 21, 2015Date of Patent: November 12, 2019Assignee: EFT NETWORK, INC.Inventors: Steven Davis, Seth Oestreicher, Robert Northrop, Martin Klamen
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Patent number: 10460381Abstract: An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.Type: GrantFiled: January 24, 2018Date of Patent: October 29, 2019Assignee: United Services Automobile Association (USAA)Inventors: Jeff Pollack, Michael Frank Morris, Bharat Prasad, Frank Kyle Major, John Weatherman Brady, Ralph Paige Mawyer, Jr., Clint James Reynolds, Kairav Mahesh Shah
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Patent number: 10417619Abstract: An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.Type: GrantFiled: November 19, 2012Date of Patent: September 17, 2019Assignee: Visa International Service AssociationInventors: Thanigaivel Ashwin Raj, Jacob Saul Fuentes, John Tullis, Vishwanath Shastry
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Patent number: 10402790Abstract: Systems and methods are provided herein that can include capturing a plurality of images of a document, analyzing the plurality of images to identify a plurality of acceptable portions within the plurality of images, combining the plurality of acceptable portions to generate a composite image of the document, and transmitting the composite image to a depository. Additionally or alternatively, the systems and methods can include capturing an image of a document, identifying a designated portion of the captured image of the document that fails to satisfy a predetermined image quality criteria, recapturing an image of only the designated portion of the document, generating a composite image from the captured image of the document and the recaptured image of only a portion of the document, and transmitting the composite image of the document to a depository via a communication pathway.Type: GrantFiled: May 17, 2016Date of Patent: September 3, 2019Assignee: United Services Automobile Association (USAA)Inventors: Christopher Nephi Clark, Joel Andrew McKay, David Edward South, Adam Spencer Newman
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Patent number: 10332199Abstract: Systems and methods for presenting fraud detection information are presented. In one example, a computer system analyzes empirical data to detect potentially fraudulent activity and alerts users of the potentially fraudulent activity via a fraud detection user interface. The fraud detection user interface determines a set of user interface components to suitable to present the potentially fraudulent activity and presents facts associated with the potentially fraudulent activity to a user for further analysis and investigation.Type: GrantFiled: October 20, 2010Date of Patent: June 25, 2019Assignee: FIS FINANCIAL COMPLIANCE SOLUTIONS, LLCInventors: Gregory David Leibon, Katherine Beck Harris
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Patent number: 10223379Abstract: In one embodiment, a system includes at least one processor and logic configured to receive a request to process data stored in one or more index records in a keyed index of a database, determine an active key range for the one or more index records, and group the one or more index records into a number of groups for parallel processing thereof. In another embodiment, a method for utilizing a keyed index includes receiving a request to process data stored in index records in a keyed index of a database, determining an active key range for the index records, wherein the active key range is determined based on any of: a type of the index records, a horizontal pointer to a next index record, and a low key value for each index record, and grouping the index records into a number of groups for parallel processing thereof.Type: GrantFiled: September 4, 2014Date of Patent: March 5, 2019Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Terri A. Menendez, John J. Thomas
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Patent number: 10013696Abstract: An identification information centralizing method capable of receiving services provided by a plurality of corporations by using a single item of identification information. Centralized ID information (162) for identifying a customer is assigned by a centralizing corporation. Individual ID information (168) which is uniquely assigned to identify the customer by a plurality of corporations which provide services to a pre-registered customer is registered in a database (160) in such a manner as to be associated with the centralized ID information (162), so that provision of services by a plurality of corporations is made possible by using the single item of centralized ID information (162).Type: GrantFiled: September 27, 2002Date of Patent: July 3, 2018Assignee: SONY CORPORATIONInventors: Takashi Kawashima, Kotaro Hagiwara, Hirofumi Hayaashi, Shinya Goishi
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Patent number: 9785921Abstract: The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.Type: GrantFiled: June 6, 2016Date of Patent: October 10, 2017Assignee: First Data CorporationInventors: Charles McGinnis, Christopher J. Baehr, Charles R. Williams
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Patent number: 9256859Abstract: A technique allows a newsfeed item shown in a newsfeed of a social network to be easily promoted to another newsfeed in the social network. In a specific embodiment, the system receives a first user's promotion selection of an item displayed in a newsfeed of the first user. The item includes content provided by a second user. The first user is prompted to select a destination newsfeed. A selection of the destination newsfeed is received and the item is published on the destination newsfeed for a third user.Type: GrantFiled: July 26, 2012Date of Patent: February 9, 2016Assignee: salesforce.com, inc.Inventors: Joseph M. Olsen, Zachary J. Dunn, Teddy Joe
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Patent number: 9213970Abstract: Aspects of the disclosure relate to providing apparatus and methods for processing co-mingled paper correspondence received at a central location. Apparatus and methods provide an ability to co-mingle paper correspondence and corresponding digital images of the paper correspondence. Apparatus and methods provide an ability to translate transaction information extracted from the co-mingled correspondence to a payment time. Apparatus and methods provide may utilize custom scan templates to improve a reliability and accuracy of information extracted from co-mingled correspondence.Type: GrantFiled: September 19, 2014Date of Patent: December 15, 2015Assignee: Bank of America CorporationInventors: Mark D. Felse, John B. Hall, Michele N. Hanshew, Michael J. Pepe, Jr., Kerry Kurt Simpkins
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Patent number: 9195978Abstract: Determining sequences of queries for retrieving images of negotiable instruments such as checks. A request for a check image is received from a first computer such as an account holder computer at a second, intermediate computer that hosts an on-line banking program and is in communication with a third computer of a financial institution. A sequence program is executed to determine a first sequence of queries having respective query formats available to attempt to retrieve the requested image from an image server or data store. The first sequence is determined based on historical data of whether respective query formats were successfully used in the past to retrieve respective requested images from the data store and is dynamically updated to reflect whether queries were used to retrieve requested images. Thus, with embodiments, the order of queries to utilize is dynamic and can change as opposed to being pre-determined or static.Type: GrantFiled: June 20, 2013Date of Patent: November 24, 2015Assignee: INTUIT INC.Inventor: Douglas E. Rose
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Patent number: 9195889Abstract: A method of processing a deposit transaction includes populating, using a teller terminal, a data file associated with the deposit transaction with a customer account number located on a physical deposit slip associated with the deposit transaction. The deposit slip further includes a total currency bill deposit amount. Physical currency bills associated with the deposit transaction are received in an input receptacle of a document processing device. Each of the received physical currency bills associated with the deposit transaction are denominated using the document processing device to obtain a total value for the physical currency bills. An electronic cash-in ticket image having the total value for the physical currency bills and the customer account number is generated. The electronic cash-in ticket image is used by a proof of deposit system to balance the deposit transaction. The data file is populated with the total value for the physical currency bills.Type: GrantFiled: February 4, 2015Date of Patent: November 24, 2015Assignee: Cummins-Allison Corp.Inventors: Robert J. Klein, Douglas U. Mennie, Antony D. Susai, William J. Jones, Frank M. Csulits, Matthew L. Anderson, Ralf H. Jaeger, David R. Badalamenti, Dale E. Beutel
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Patent number: 9148447Abstract: Providing security-related services for enterprise service requests includes receiving a service request from an endpoint, determining the transaction parameter from the received service request, determining a subroutine for execution based on the transaction parameter, communicating with a data server to execute the subroutine, receiving subroutine results from the data server based on the executed subroutine, applying context-specific rules to the request based on instructive data specified in the subroutine results, determining a response based on the subroutine results and the applied context-specific rules, and communicating the response to the endpoint.Type: GrantFiled: August 31, 2011Date of Patent: September 29, 2015Assignee: Bank of America CorporationInventors: Richard Lougheed Lawson, William Earnest Kelley
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Patent number: 9141612Abstract: An electronically stored financial document is either maintained in a first storage system when a parameter associated with the document is greater than a pre-selected parameter or in a second storage system when the parameter associated with the document is less than or equal to the pre-selected parameter. A request for a stored financial document is received and the requested financial document parameter is compared to the pre-selected financial document parameter to determine if the electronically stored financial document's parameter is more than, less than, or equal to the pre-selected parameter. In processing the request, a processing unit electronically accesses one of the storage systems in response to the comparison of the pre-selected parameter to the electronically stored financial document's parameters. After accessing the appropriate storage system, the requested electronically stored financial document can be reproduced, and/or distributed.Type: GrantFiled: March 15, 2013Date of Patent: September 22, 2015Assignee: Mirrior Imaging, LLCInventors: Michael D. Schulze, Richard J. Gagnon
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Patent number: 9064248Abstract: 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.Type: GrantFiled: July 29, 2010Date of Patent: June 23, 2015Assignee: BANK OF AMERICA CORPORATIONInventors: Lowell Robert Huff, Zhongmin Agarwal, David Todd Frew
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Patent number: 9033246Abstract: Methods and apparatus for issuing a payment device from a remote dispensing device are provided. In an embodiment, a dispensing device receives a purchase request including a load amount, to purchase a proximity payment device. The dispensing device reads proximity payment device information from a stored pre-personalized proximity payment device, establishes a secure communications channel with a security terminal, encrypts a personalization data request, transmits it to the proximity device issuer server, and receives an encrypted personalization message. The dispensing device then decrypts the encrypted personalization message to obtain personalization data, writes the personalization data and the load amount to the pre-personalized proximity payment device, and then dispenses the personalized proximity payment device.Type: GrantFiled: June 16, 2014Date of Patent: May 19, 2015Assignee: MasterCard International IncorporatedInventors: John R. Wankmueller, David A. Roberts, Paul Michael Evans
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Publication number: 20150120563Abstract: Embodiments for extracting data for ACH transactions includes systems that receive at least one check image, apply one or more optical character recognition processes to at least a portion of the at least one check image, and identify check data. The systems further insert at least a portion of the check data into an ACH transaction entry for ACH transaction processing.Type: ApplicationFiled: October 29, 2013Publication date: April 30, 2015Applicant: Bank of America CorporationInventors: Michael Gerald Smith, Scott Andrew Johnson, Saravana Kumar Govindarajan, Michael Scott Hjellming, Brian David Hanson, Hyunmo Koo
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Publication number: 20150120564Abstract: Disclosed is a system and associated method for categorizing a transaction performed using a negotiable instrument. The system is typically configured for receiving an indication of the transaction performed using the negotiable instrument, including receiving an image of the negotiable instrument; extracting transaction data from the image of the negotiable instrument, including extracting memo data from the image of the negotiable instrument; based at least in part on the extracted memo data, determining if the transaction is associated with a first predefined transaction category; and presenting at least a portion of the transaction data extracted from the image of the negotiable instrument to the customer, wherein, if the transaction is associated with the first predefined transaction category, presenting at least a portion of the extracted transaction data to the customer includes presenting an indication that the first predefined transaction category is associated with the transaction.Type: ApplicationFiled: October 29, 2013Publication date: April 30, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Michael Gerald Smith, Scott Andrew Johnson, Michael Scott Hjellming, Brian David Hanson, Saravana Kumar Govindarajan, Hyunmo Koo
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Publication number: 20150106272Abstract: Apparatus and methods are provided for viewing a check image and selecting a check service to be applied to a check. Check services may include a pay/return decision. The check images may be presented in a carousel view without pop-up windows. The user may import pre-selected check services such as stop payments. Check images may be marked with a status indicator. The status indicator may correspond to a check service applied to the check or a reconciliation error associated with the check. A user may receive notifications of pending expiration of an applied check service. The user may select and apply a check service at any time during a clearing process of the check. User may search for checks and check images based on the check service applied to the check. Search results may include check images and may be transmitted to a requested location such as via e-mail.Type: ApplicationFiled: December 19, 2014Publication date: April 16, 2015Inventors: Anne D. Tatham, Milton Santiago, JR., Christopher Hope
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Patent number: 9004353Abstract: An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.Type: GrantFiled: March 11, 2013Date of Patent: April 14, 2015Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: James Block, H Thomas Graef, Paul D Magee, Donald S Nelson, Jr., James Meek, Daniel S McIntyre, Mark DePietro, Natarajan Ramachandran