Patents by Inventor Bruce D. Herring

Bruce D. Herring has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Expanded mass data sets for electronic check processing
    Patent number: 8167196
    Abstract: Accommodating the data needed to process checks for payment under the Check Clearing for the 21st Century Act by using expanded fields of a financial data file. The financial data file can comprise the complete, original MICR data from an original or substitute paper check. The financial data file can comprise truncated data in conventional fields F1-F7 and untruncated data in expanded fields F10-F11. The financial data file further can comprise a result from an image quality analysis performed on an electronic image of the check. The untruncated MICR data and the electronic check image can be used to correct errors in the financial data file and to present the check for payment via a substitute check or an electronic image cash letter. The truncated MICR data can be used to electronically process the check via conventional means.
    Type: Grant
    Filed: June 5, 2009
    Date of Patent: May 1, 2012
    Assignees: Federal Reserve Bank of Atlanta, Federal Reserve Bank of Cleveland, Federal Reserve Bank of Dallas, Federal Reserve Bank of Kansas City
    Inventors: Randall Lee Mueller, Thomas Edwin Schaadt, V. Srinivas Nori, Steven Q. Purser, Pablo Gonzalez, Bruce D. Herring, James A. Blake
  • Expanded mass data sets for electronic check processing
    Patent number: 7594600
    Abstract: Accommodating the data needed to process checks for payment under the Check Clearing for the 21st Century Act by using expanded fields of a financial data file. The financial data file can comprise the complete, original MICR data from an original or substitute paper check. The financial data file can comprise truncated data in conventional fields F1-F7 and untruncated data in expanded fields F10-F11. The financial data file further can comprise a result from an image quality analysis performed on an electronic image of the check. The untruncated MICR data and the electronic check image can be used to correct errors in the financial data file and to present the check for payment via a substitute check or an electronic image cash letter. The truncated MICR data can be used to electronically process the check via conventional means.
    Type: Grant
    Filed: February 22, 2006
    Date of Patent: September 29, 2009
    Assignees: Federal Reserve Bank of Atlanta, Federal Reserve Bank of Cleveland, Federal Reserve Bank of Dallas, Federal Reserve Bank of Kansas City
    Inventors: Randall Lee Mueller, Thomas Edwin Schaadt, V. Srinivas Nori, Steven Q. Purser, Pablo Gonzalez, Bruce D. Herring, James A. Blake
  • Expanded Mass Data Sets For Electronic Check Processing
    Publication number: 20090236413
    Abstract: Accommodating the data needed to process checks for payment under the Check Clearing for the 21st Century Act by using expanded fields of a financial data file. The financial data file can comprise the complete, original MICR data from an original or substitute paper check. The financial data file can comprise truncated data in conventional fields F1-F7 and untruncated data in expanded fields F10-F1 . The financial data file further can comprise a result from an image quality analysis performed on an electronic image of the check. The untruncated MICR data and the electronic check image can be used to correct errors in the financial data file and to present the check for payment via a substitute check or an electronic image cash letter. The truncated MICR data can be used to electronically process the check via conventional means.
    Type: Application
    Filed: June 5, 2009
    Publication date: September 24, 2009
    Applicants: Fedral Reserve Bank of Atlanta, Federal Reserve Bank of Cleveland, Federal Reserve Bank of Dallas, Federal Reserve Bank of Kansas City
    Inventors: Randall Lee Mueller, Thomas Edwin Schaadt, V. Srinivas Nori, Steven Q. Purser, Pablo Gonzales, Bruce D. Herring, James A. Blake