Patents by Inventor Phoebe Rin-Rin Hsu

Phoebe Rin-Rin Hsu 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).

  • Patent number: 9378490
    Abstract: A method and system provides for scanning a check and/or cash to create an electronic image of the front and the back of the check and/or cash. The image is then processed and transmitted electronically to a central location. The image may be recreated into a paper form at the central location, resembling the original paper check or cash, including a machine-readable regeneration of the MICR code line data captured from the original instrument. Paperless processing of checks and cash is thus provided, including local voiding and storage of the check without requiring immediate pickup, while still allowing the transaction to be process.
    Type: Grant
    Filed: August 13, 2010
    Date of Patent: June 28, 2016
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Alan Slater, Michael L. Sears, Phoebe Rin-Rin Hsu, Cuong D. Do, H. Patrick McSharry, Edward M. R. Dudasik, Stephen M. Gryte, Robert O. Brooks
  • Patent number: 8554672
    Abstract: A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.
    Type: Grant
    Filed: December 27, 2012
    Date of Patent: October 8, 2013
    Assignee: Citicorp Development Center, Inc.
    Inventors: Carol J. Rizzo, Phoebe Rin-Rin Hsu, Michael L. Sears
  • Patent number: 8364589
    Abstract: A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.
    Type: Grant
    Filed: September 6, 2011
    Date of Patent: January 29, 2013
    Assignee: Citicorp Development Center, Inc.
    Inventors: Carol J. Rizzo, Phoebe Rin-Rin Hsu, Michael L. Sears
  • Publication number: 20110320351
    Abstract: A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.
    Type: Application
    Filed: September 6, 2011
    Publication date: December 29, 2011
    Inventors: Carol J. RIZZO, Phoebe Rin-Rin HSU, Michael L. SEARS
  • Patent number: 8065226
    Abstract: A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.
    Type: Grant
    Filed: July 20, 2001
    Date of Patent: November 22, 2011
    Assignee: Citicorp Development Center, Inc.
    Inventors: Carol J. Rizzo, Phoebe Rin-Rin Hsu, Michael L. Sears
  • Publication number: 20100306111
    Abstract: A method and system provides for scanning a check and/or cash to create an electronic image of the front and the back of the check and/or cash. The image is then processed and transmitted electronically to a central location. The image may be recreated into a paper form at the central location, resembling the original paper check or cash, including a machine-readable regeneration of the MICR code line data captured from the original instrument. Paperless processing of checks and cash is thus provided, including local voiding and storage of the check without requiring immediate pickup, while still allowing the transaction to be process.
    Type: Application
    Filed: August 13, 2010
    Publication date: December 2, 2010
    Inventors: Alan Slater, Michael L. Sears, Phoebe Rin-Rin Hsu, Cuong D. Do, H. Patrick McSharry, Edward M.R. Dudasik, Stephen M. Gryte, Robert O. Brooks
  • Patent number: 7792753
    Abstract: A method and system provides for scanning a check and/or cash to create an electronic image of the front and the back of the check and/or cash. The image is then processed and transmitted electronically to a central location. The image may be recreated into a paper form at the central location, resembling the original paper check or cash, including a machine-readable regeneration of the MICR code line data captured from the original instrument. Paperless processing of checks and cash is thus provided, including local voiding and storage of the check without requiring immediate pickup, while still allowing the transaction to be process.
    Type: Grant
    Filed: July 7, 1999
    Date of Patent: September 7, 2010
    Assignees: Citibank, N.A., Citicorp Development Center, Inc.
    Inventors: Alan Slater, Michael L. Sears, Phoebe Rin-Rin Hsu, Cuong D. Do, H. Patrick McSharry, Edward M. R. Dudasik, Stephen M. Gryte, Robert O. Brooks
  • Publication number: 20020069170
    Abstract: A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.
    Type: Application
    Filed: July 20, 2001
    Publication date: June 6, 2002
    Inventors: Carol J. Rizzo, Phoebe Rin-Rin Hsu, Michael L. Sears
  • Patent number: 5768386
    Abstract: An improved touch screen encryption device and method is disclosed. The user selects information from prompts displayed on a touch screen. The improved device determines the input information based upon the location of the touch. The device encrypts the information--for example, the user's personal identification number--and sends the encrypted information to a remote processor. The device and method may be used by a financial institution (such as a bank), a postal services institution or wherever sensitive information is input through a touch screen.
    Type: Grant
    Filed: May 31, 1996
    Date of Patent: June 16, 1998
    Assignee: Transaction Technology, Inc.
    Inventors: Randal H. Yokomoto, Warren Yung-Hang Tan, Yosif Smushkovich, Xuan S. Bui, Michael Merman, Inas M. Dessouky, Cuong Do, Stephen M. Gryte, Phoebe Rin-Rin Hsu, Robert R. Propp, Michael L. Sears