Checks Patents (Class 283/58)
  • Patent number: 10237442
    Abstract: A document contains a security element that combines a correlation mark and pantograph mark. The pantograph mark includes a dot pattern, part of which is printed to correspond to foreground pixels of the correlation mark, and another part of which is printed to correspond to background pixels of the correlation mark.
    Type: Grant
    Filed: October 30, 2014
    Date of Patent: March 19, 2019
    Assignee: Xerox Corporation
    Inventors: Edward N. Chapman, Reiner Eschbach, Judith E. Stinehour
  • Patent number: 10043201
    Abstract: Enhanced systems and methods for processing invoices, payments, and money transfers are described. One aspect of the invention is a computer-implemented method (and corresponding system and computer program product) for inviting an entity to open an account at a billing and payment system, the method comprising: issuing a check payable to the entity, wherein a checkbox for opening an account at the billing and payment system is printed on an endorsement section of the check along with a reference to additional information regarding additional information related to the account opening; receiving an image of the endorsement section of the check after the check is cleared; determining whether the checkbox is checked in the image; and responsive to a determination that the checkbox is checked, opening an account for the entity at the billing and payment system.
    Type: Grant
    Filed: March 11, 2011
    Date of Patent: August 7, 2018
    Assignee: BILL.COM, INC.
    Inventors: Rene Lacerte, Mark Orttung, Eric Chan, Robert S. Lam
  • Patent number: 10013715
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in financial systems, where data communication is automated for purposes of providing temporary waivers. An exemplary apparatus is configured to receive a request from a requesting entity to assign an account a temporary waiver. The account may be associated with one or more services that require a payment for utilizing the service. The system may then send the request to a processing entity to analyzes the request for approval, and receive an approval decision based at least partially on the analysis of the request. In response to receiving the approval decision, the system may process at least one subsequent action for providing or declining a temporary waiver.
    Type: Grant
    Filed: July 21, 2014
    Date of Patent: July 3, 2018
    Assignee: Bank of America Corporation
    Inventors: Raghavendran Narasimhan, Gurdeep Singh Walia, Anand Daga, Saroj Kumar Bonthapalli
  • Patent number: 9679269
    Abstract: Apparatus, methods, media and code for routing a mail item are provided. A conveyor in mechanical communication with a mail item registration station may include a processor for registering a first part of the mail item. The processor may: determine that: the first part is a payment part; and a second part that corresponds to the first part is exceptional; identify a destination that corresponds to the first part; and route the first part to the destination along with an indication corresponding to the missing second part.
    Type: Grant
    Filed: May 24, 2013
    Date of Patent: June 13, 2017
    Assignee: Bank of America Corporation
    Inventors: Mark D. Felse, David T. Frew, John B. Hall, Tessa R. Cooke
  • Patent number: 9607484
    Abstract: A method is provided of operating a self-service check depositing terminal to provide a check deposit transaction receipt. The method comprises receiving a check from a depositor, capturing original check image data which is representative of an image of the check, embedding at least some alphanumeric text data which is representative of alphanumeric text into at least some of the original check image data to provide modified check image data which is representative of a composite image of the check and the alphanumeric text, and printing the composite image of the check and the alphanumeric text onto a check deposit transaction receipt.
    Type: Grant
    Filed: March 21, 2008
    Date of Patent: March 28, 2017
    Assignee: NCR Corporation
    Inventor: Manuel Albeto de Abreu Amorim
  • Patent number: 9607335
    Abstract: A method, system, and program product, the method comprising: (1) aggregated account information FDIC aggregated deposit accounts held in a plurality of banks; (2) client account information: (1) obtaining a client available deposit amount, Di; (2) determining, a bank number tier, Ti, for the client account, from among a plurality of tiers based, at least in part, on a level of funds associated with the respective client or relative to tier ranges, wherein each tier has a number of banks associated therewith or a function for computing the number of banks associated therewith; (3) allocating the client available deposit amount, Di, across a number of banks, NT, equal to the number associated electronically with the tier, Ti; and generating data to transfer funds to or from one or more of the banks.
    Type: Grant
    Filed: August 19, 2016
    Date of Patent: March 28, 2017
    Assignee: ISLAND INTELLECTUAL PROPERTY, LLC
    Inventors: Bruce Bent, Bruce Bent, II, Rebecca Gareis Bent, David Edgar Gareis
  • Patent number: 8743425
    Abstract: A method for using void pantographs involves generating a test sheet including multiple void pantographs, where each of the multiple void pantographs includes a pantograph foreground and a pantograph background. The test sheet is printed, and from the printed test sheet, at least one of the multiple void pantographs having a covert or semi-covert pantograph foreground and background is identified. The printed test sheet is scanned, and from the scanned test sheet, at least one of the multiple void pantographs having an overt pantograph foreground is identified. A workflow is developed for the at least one of the multiple void pantographs having both i) the covert or semi-covert pantograph foreground and background after printing, and ii) the overt pantograph foreground after scanning.
    Type: Grant
    Filed: February 26, 2009
    Date of Patent: June 3, 2014
    Assignee: Hewlett-Packard Development Company, L.P.
    Inventors: Steven J. Simske, Malgorzata M. Sturgill, Jason S. Aronoff
  • Patent number: 8684417
    Abstract: The invention relates to a security element comprising a carrier substrate comprising a transparent or translucent area carrying at least one digitised mark made of at least one set of dots appearing as a three dimensional mark when viewed in transmitted light. The invention relates to a security support or document or article comprising the said security element and to the method of identification and/or authentication of this security support or document or article.
    Type: Grant
    Filed: December 22, 2005
    Date of Patent: April 1, 2014
    Assignees: Arjowiggins Security, Hueck Follien Gesellschaft m.b.H
    Inventors: Stephane Mallol, Nathalie Vast, Eveline Wagner, Matthias Muller
  • Patent number: 8682772
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.
    Type: Grant
    Filed: October 12, 2010
    Date of Patent: March 25, 2014
    Assignee: Insight Catastrophe Group, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8642161
    Abstract: The present invention relates to an optically variable security element for protecting articles against counterfeiting, to a process for the production of a security element of this type, and to the use thereof.
    Type: Grant
    Filed: November 8, 2007
    Date of Patent: February 4, 2014
    Assignee: Merck Patent GmbH
    Inventors: Matthias Kuntz, Dieter Heinz, Ute Honeit, Burkhard Krietsch
  • Patent number: 8635140
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.
    Type: Grant
    Filed: September 29, 2010
    Date of Patent: January 21, 2014
    Assignee: Insight Catastrophe Group, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8628116
    Abstract: Described is an apparatus that includes a transparent film having a plurality of non-overlapping pockets created therein, each of the pockets including at least one opening and being sized and shaped to receive a check therein. The apparatus also includes front and back indicators disposed on front and back faces of the film, respectively, and unique pocket indicators disposed on the pockets.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: January 14, 2014
    Assignee: EFT Network, Inc.
    Inventors: Steven Davis, Stephen A. Schutze
  • Patent number: 8590940
    Abstract: A method or corresponding apparatus for remote transmission of a negotiable instrument. In an example embodiment, the process provides a carrier that secures a negotiable instrument. Next, the process creates a unique identifier, associated with the carrier, and generates an electronic image of the negotiable instrument. After generating the electronic image, the process transmits the electronic image of the negotiable instrument and the unique identifier to a remote location. The negotiable instrument may be transmitted via a fax, a scanner, a device designed to transmit electronic data, other image device compatible with ITU-T recommendations T.30 or T.4, or combination thereof. The process may also verify the negotiable instrument has a valid endorsement, verify image quality of the electronic image to ensure compliance with financial industry standards, or validate any received security information.
    Type: Grant
    Filed: April 15, 2011
    Date of Patent: November 26, 2013
    Assignee: Lighthouse Consulting Group, LLC
    Inventors: Robert P. Popadic, John R. Popadic, Thomas E. Gazda, Stuart J. Lipoff
  • Patent number: 8557368
    Abstract: A document comprising a substrate with a surface having cellulose hydroxy groups, an adhesion promoter present on at least a first portion of the substrate surface, and a magnetic ink image formed over the first portion of the substrate surface. The adhesion promoter comprises a silane component including at least one amino functional group and at least one of a second type of functional group that is configured to bond with cellulose hydroxyl groups in the substrate. The magnetic ink image has a magnetic signal strength of at least 80%. A corresponding printing system and a method of printing also are disclosed.
    Type: Grant
    Filed: November 2, 2007
    Date of Patent: October 15, 2013
    Assignee: Xerox Corporation
    Inventors: Kurt I. Halfyard, T. Brian McAneney, Xan-Xing Hu, Edward Zwartz, GuiQin Song, Santokh Singh Badesha, Gordon Sisler
  • Patent number: 8538868
    Abstract: A system and method of preparing a transfer document for a client to transfer services provided by counterparties that require recurring transactions using a first account to use a second account is provided. A cashflow analysis for the first account and a cashflow analysis for the second account are performed to determine for each counterparty and each service the desired date to effect the transfer to avoid undesirable cashflow spikes or interruptions in both accounts. A transfer document for transferring services requiring recurring transactions for each counterparty is electronically generated via at least one computer. Each transfer document identifies at least the service to be transferred, the client, the second account, the desired date for the transfer and proof of authorization from the client. A replica of an account document selected according to the service being transferred and the second account is included on the transfer document.
    Type: Grant
    Filed: November 14, 2011
    Date of Patent: September 17, 2013
    Assignee: D+H Limited Partnership
    Inventors: Serge Rivest, Michael King, Richard Clark
  • Patent number: 8538853
    Abstract: A method of settling trades includes the steps of obtaining an authenticated delivery instrument, wherein the authenticated delivery instrument is authenticated by a first exchange and may be used to settle a trade undertaken on the first exchange. An electronic proxy is issued for the delivery instrument, wherein the electronic proxy may be exchanged for the authenticated delivery instrument and where the electronic proxy is used to settle a trade undertaken on a second exchange.
    Type: Grant
    Filed: January 8, 2013
    Date of Patent: September 17, 2013
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: Joseph E. Hawrysz
  • Patent number: 8523235
    Abstract: A cash and check automatic depositing apparatus is capable of automatically depositing a bundle of cashes and checks inserted at once. The apparatus includes a bundle insertion opening for allowing a user to deposit or receive therethrough a bundle of cashes and checks, and a bundle separator for separating the banknotes inserted through the bundle insertion opening one by one. The separated banknotes are automatically transferred one by one and verified to check authenticity or abnormality thereof. Further, the banknotes are transferred onto an authentic check transfer path and an authentic cash transfer path to be separately stored in storage cassettes.
    Type: Grant
    Filed: October 27, 2006
    Date of Patent: September 3, 2013
    Assignee: Nautilus Hyosung Inc.
    Inventors: Jae Hoon Kwak, Woo Ho Lee
  • Patent number: 8498910
    Abstract: The invention relates to a method for payroll notification. The method steps include obtaining, by a processor, a payroll rule comprising a message and a condition requiring a payroll dollar amount, obtaining, by the processor, the payroll dollar amount from a first paystub having a first gross pay and a first net pay for an employee evaluating, by the processor, the condition of the payroll rule, where the first gross pay equals a second gross pay on a second paystub having a second net pay for the employee, and outputting, by the processor and in response to the condition being satisfied, the message of the payroll rule onto the first paystub explaining a non-zero difference between the first net pay and the second net pay.
    Type: Grant
    Filed: April 30, 2010
    Date of Patent: July 30, 2013
    Assignee: Intuit Inc.
    Inventors: Lesley Kim Grossblatt, Lucinda Kathryn Foss, Sandra M. Edwards, Kyle Greene Kilat
  • Publication number: 20130181433
    Abstract: Technologies relating to a product packaging and storage system that is designed to assemble, hold, secure, ship, organize, use and/or store personalized check books and related materials that are used in conjunction with a banking account by consumers and/or businesses and purchased through financial institutions, retailers, and/or directly from a manufacturer of the check books.
    Type: Application
    Filed: September 14, 2012
    Publication date: July 18, 2013
    Applicant: HARLAND CLARKE CORP.
    Inventors: Charles B. Hadlock, Andres Carrillo
  • Publication number: 20130177746
    Abstract: The present invention relates to a laminate structure comprising a protective layer and an exposed photopolymer layer, the laminate structure being obtainable by reacting at least one radiation-curing resin I), an isocyanate-functional resin II) and a photoinitiator system III), and the radiation-curing resin I) containing ?5% by weight of compounds having a weight-average molecular weight of <500 and ?75% by weight of compounds having a weight-average molecular weight of >1000, the isocyanate-functional resin II) containing ?5% by weight of compounds having a weight-average molecular weight of <500, and the protective layer containing the radiation-curing resin I) at least to an extent of 80% by weight and the isocyanate-functional resin II) at most to an extent of 15% by weight. The invention further provides a process for producing the inventive laminate structure.
    Type: Application
    Filed: January 3, 2013
    Publication date: July 11, 2013
    Applicant: Bayer Intellectual Property GmbH
    Inventor: Bayer Intellectual Property GmbH
  • Patent number: 8442893
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.
    Type: Grant
    Filed: September 27, 2010
    Date of Patent: May 14, 2013
    Assignee: Insight Catastrophe Solutions, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20130113199
    Abstract: A double postcard check mailer and a method of use therefore are described. The mailer is comprised of a check component and a payee data correction component detachably coupled to the check component. The mailer, when folded, has the dimensions of a double postcard. The mailer is sent to the payee of the check. The payee detaches the check component from the payee data correction component and cashes the check component. The payee further fills out the payee data correction component with updated information, such as a corrected address, and deposits the completed payee data correction component in the mail with postcard shipping postage. The original sender of the mailer receives the payee data correction component and updates the payee's information based on the data received in the completed payee data correction component.
    Type: Application
    Filed: November 3, 2011
    Publication date: May 9, 2013
    Applicant: KURTZMAN CARSON CONSULTANTS, LLC
    Inventors: Daniel Rosenthal, Gerard Mullins, Benito Aguilar
  • Patent number: 8382163
    Abstract: The invention relates to documents of value, such as bank notes, checks, passports, ID cards or the like, with increased fitness for circulation, to a security paper for producing them, and to a method for producing said security paper and such documents of value.
    Type: Grant
    Filed: September 26, 2002
    Date of Patent: February 26, 2013
    Assignee: Giesecke & Devrient GmbH
    Inventors: Michael Boehm, Reinhard Plaschka, Friedrich Kretschmar
  • Patent number: 8370246
    Abstract: A method of settling trades includes the steps of obtaining an authenticated delivery instrument, wherein the authenticated delivery instrument is authenticated by a first exchange and may be used to settle a trade undertaken on the first exchange. An electronic proxy is issued for the delivery instrument, wherein the electronic proxy may be exchanged for the authenticated delivery instrument and where the electronic proxy is used to settle a trade undertaken on a second exchange.
    Type: Grant
    Filed: November 17, 2011
    Date of Patent: February 5, 2013
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: Joseph E. Hawrysz
  • Publication number: 20130021651
    Abstract: A method or corresponding apparatus for remote transmission of a negotiable instrument. In an example embodiment, the process provides a carrier that secures a negotiable instrument. Next, the process creates a unique identifier, associated with the carrier, and generates an electronic image of the negotiable instrument. After generating the electronic image, the process transmits the electronic image of the negotiable instrument and the unique identifier to a remote location. The negotiable instrument may be transmitted via a fax, a scanner, a device designed to transmit electronic data, other image device compatible with ITU-T recommendations T.30 or T.4, or combination thereof. The process may also verify the negotiable instrument has a valid endorsement, verify image quality of the electronic image to ensure compliance with financial industry standards, or validate any received security information.
    Type: Application
    Filed: April 15, 2011
    Publication date: January 24, 2013
    Inventors: Robert P. Popadic, John R. Popadic, Thomas E. Gazda, Stuart J. Lipoff
  • Patent number: 8333870
    Abstract: The invention relates to a security paper for producing value documents, such as bank notes or the like, which includes a creasable, multilayer substrate having at least one paper layer and at least one film, and to a method for producing such a security paper.
    Type: Grant
    Filed: September 18, 2003
    Date of Patent: December 18, 2012
    Assignee: Giesecke & Devrient GmbH
    Inventors: Theo Burchard, Mario Keller, Reinhard Tauber, Rudolf Seidler
  • Patent number: 8272564
    Abstract: The check carrier consists of an envelope of translucent material that is dimensioned to closely conform to the dimensions of a standard check. The back of the check carrier includes an endorsement window through which a bank or other financial institution can apply its endorsement stamp directly to the check. The bottom of the check carrier may be provided with an area for receiving the MICR printing such that the MICR can be read directly off of the carrier. The MICR area can be removed. The open end of the check carrier can be sealed closed using a repositionable adhesive. The adhesive can also be used interior of the check carrier such that the adhesive contacts the check to fix the check within the carrier.
    Type: Grant
    Filed: March 18, 2010
    Date of Patent: September 25, 2012
    Assignee: Bank of America Corporation
    Inventors: Kerry M. Cantley, Teresa J. Vasquez
  • Publication number: 20120205904
    Abstract: A payment system is provided having an internet interface. In one embodiment, the payment system issues instruments having control codes. The system may issue a first portion of the control code, and retain a second portion of the control code for later issuance. Such later issuance activates the instrument. Some embodiments have a role-based security access scheme. For example, one embodiment provides a security verification score to be used in assigning user permissions on the payment system. Customer service representatives having different security permissions complete different portions of the security scoring and permission assignment process. Some embodiments have automated processing of security verification items submitted by users.
    Type: Application
    Filed: February 16, 2011
    Publication date: August 16, 2012
    Inventors: Todd Tredeau, Vasil Kostov
  • Patent number: 8086515
    Abstract: A method of settling trades includes the steps of obtaining an authenticated delivery instrument, wherein the authenticated delivery instrument is authenticated by a first exchange and may be used to settle a trade undertaken on the first exchange. An electronic proxy is issued for the delivery instrument, wherein the electronic proxy may be exchanged for the authenticated delivery instrument and where the electronic proxy is used to settle a trade undertaken on a second exchange.
    Type: Grant
    Filed: April 7, 2010
    Date of Patent: December 27, 2011
    Assignee: Board of Trade of the City of Chicago, Inc.
    Inventor: Joseph E. Hawrysz
  • Publication number: 20110310442
    Abstract: A method or corresponding apparatus for remote transmission of a negotiable instrument. In an example embodiment, the process provides a carrier that secures a negotiable instrument. Next, the process creates a unique identifier, associated with the carrier, and generates an electronic image of the negotiable instrument. After generating the electronic image, the process transmits the electronic image of the negotiable instrument and the unique identifier to a remote location. The negotiable instrument may be transmitted via a fax, a scanner, a device designed to transmit electronic data, other image device compatible with ITU-T recommendations T.30 or T.4, or combination thereof. The process may also verify the negotiable instrument has a valid endorsement, verify image quality of the electronic image to ensure compliance with financial industry standards, or validate any received security information.
    Type: Application
    Filed: April 15, 2011
    Publication date: December 22, 2011
    Inventors: Robert P. Popadic, John R. Popadic, Thomas E. Gazda, Stuart J. Lipoff
  • Patent number: 8080307
    Abstract: Pasty ink for the engraved steel die printing process, having a viscosity value above 3 Pa·s, preferably above 5 Pa·s at 40° C., and comprising an infrared absorbing material, wherein said infrared absorbing material is a transition element compound whose IR-absorption is a consequence of electronic transitions within the d-shell of transition element atoms or ions.
    Type: Grant
    Filed: November 16, 2006
    Date of Patent: December 20, 2011
    Assignee: SICPA Holding SA
    Inventors: Marlyse Demartin Maeder, Claude-Alain Despland, Edgar Mueller, Pierre Degott
  • Patent number: 8060439
    Abstract: A system and method of providing a client with cashflow monitoring during a transfer of services (e.g. pre-authorized debits and credits) from a first account to a second account, the method comprising the steps of: (i) determining an effective date for the transfer of each service, said effective dates creating a transfer window; (ii) determining cashflows for said first account and said second account during said transfer window; (iii) adjusting effective dates for transfer of each services to avoid cashflow interruptions in said first and said second accounts; and (iv) providing a cashflow analysis to the client that lists all the effective dates for each service transfer and predicted cashflows for said first and said second account during said transfer window.
    Type: Grant
    Filed: September 18, 2009
    Date of Patent: November 15, 2011
    Assignee: D+H Limited Partnership
    Inventors: Serge Rivest, Michael King, Richard Clark
  • Patent number: 8046301
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: October 25, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 8001051
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 16, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996314
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996316
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996315
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7975906
    Abstract: There is described a process for numbering substrates having security prints printed thereon, each of the substrates comprising a plurality of security prints which are arranged in k columns and n rows on the substrate, wherein product k*n is an integer multiple of ten or of twenty-five.
    Type: Grant
    Filed: May 24, 2006
    Date of Patent: July 12, 2011
    Assignee: KBA-Giori S.A.
    Inventors: Johannes Georg Schade, Hartmut Karl Sauer
  • Patent number: 7968173
    Abstract: The present invention relates to printable security paper that includes a region capable of receiving printed indicia on the front side and on the reverse side which are observable in reflected light and form an image observable in transmitted light, as security element protecting against two-sided copying, characterized in that such region is a screened region having an average overall opacity less than the opacity of the vellum part of the rest of the paper, said screened region being made up from alternations of vellum miniregions, having an approximately constant thickness equal to that of the vellum part of the rest of the paper, and of miniregions of reduced opacity because of their smaller thickness compared with the vellum miniregions. The invention also relates to the security document obtained with this paper.
    Type: Grant
    Filed: December 23, 2003
    Date of Patent: June 28, 2011
    Assignee: Arjowiggins Security
    Inventors: Nathalie Vast, Yvan Thierry, Stephane Mallol
  • Publication number: 20110133442
    Abstract: A method for increasing adhesion between a security element (e.g., a security strip or band) and a fibrous sheet material such as paper is provided. Also provided by way of this invention is a security element laminated to one or more activatable adhesive films, a fibrous sheet material having such a laminated structure contained on or within a surface thereof, or at least partially embedded therein, and a document (e.g., a security document such as a banknote) made from such a fibrous sheet material.
    Type: Application
    Filed: June 11, 2009
    Publication date: June 9, 2011
    Inventors: Douglas A. Crane, Giles D. Prett
  • Patent number: 7950698
    Abstract: A method or corresponding apparatus for remote transmission of a negotiable instrument. In an example embodiment, the process provides a carrier that secures a negotiable instrument. Next, the process creates a unique identifier, associated with the carrier, and generates an electronic image of the negotiable instrument. After generating the electronic image, the process transmits the electronic image of the negotiable instrument and the unique identifier to a remote location. The negotiable instrument may be transmitted via a fax, a scanner, a device designed to transmit electronic data, other image device compatible with ITU-T recommendations T.30 or T.4, or combination thereof. The process may also verify the negotiable instrument has a valid endorsement, verify image quality of the electronic image to ensure compliance with financial industry standards, or validate any received security information.
    Type: Grant
    Filed: October 16, 2006
    Date of Patent: May 31, 2011
    Assignee: Lighthouse Consulting Group, LLC
    Inventors: Robert P. Popadic, John R. Popadic, Thomas E. Gazda, Stuart J. Lipoff
  • Patent number: 7922090
    Abstract: A set of forms and information gathering system comprising a questionnaire check having a place to insert answers to questions that are sent to a person along with the check is provided. Once the answers to the question from the questionnaire have been inserted in the supplied area the person taking the survey can cash the check. Once the check is cashed and processed through an Automated Clearing House (ACH) the cancelled check with the answers to the questions. Once the cashed check is received by the sending party, the answers to the questionnaire by the endorsed party will also be received. The data can then be processed and reports generated for the client requesting the data.
    Type: Grant
    Filed: December 12, 2006
    Date of Patent: April 12, 2011
    Inventor: Arcadio Roselli
  • Patent number: 7883762
    Abstract: The invention concerns a security document comprising, as security element against recto/verso copying, indicia present on both sides and capable of being viewed under reflected lighting and forming an image capable of being viewed under transmitted light. The invention is characterized in that said indicia comprise lines and form said image with 3D effect.
    Type: Grant
    Filed: July 18, 2003
    Date of Patent: February 8, 2011
    Assignee: Arjowiggins Security
    Inventor: Pierre Doublet
  • Patent number: 7844530
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.
    Type: Grant
    Filed: July 31, 2007
    Date of Patent: November 30, 2010
    Assignee: Insight Catastrophe Solutions
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 7844529
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.
    Type: Grant
    Filed: July 31, 2007
    Date of Patent: November 30, 2010
    Assignee: Insight Catastrophe Solutions
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 7844528
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.
    Type: Grant
    Filed: July 31, 2007
    Date of Patent: November 30, 2010
    Assignee: Insight Catastrophe Solutions
    Inventors: Richard Ziade, Terrence McLean
  • Publication number: 20100261512
    Abstract: The checkbook for disabled users is a book of checks including instructional information for check writing for mentally disabled users, and further providing easily removable and manipulable checks for physically disabled users. The checkbook includes a plurality of checks removably bound to one another, with each check being removably attached to a spine through perforations. Opposed cutout portions may be formed between upper corners of each check and the spine, providing pre-cut scores for each check. Each successive check from a topmost one of the plurality of checks to a bottommost one of the plurality of checks has a decreasing length and a decreasing width. Further, the checkbook includes opposed top and bottom covers secured to the spine. On a lower surface of the top cover, a set of indicia is imprinted, providing the user with instructional information, such as the spelling of numbers and instructions on general check writing.
    Type: Application
    Filed: April 10, 2009
    Publication date: October 14, 2010
    Inventor: Karmichael Spiller
  • Patent number: 7796753
    Abstract: This invention relates generally to a method and apparatus, as implemented by a software program on a computer system, for digitally producing counterfeit-deterring scrambled or encoded indicia images. This method and system are capable of combining a source image with a latent image so the scrambled latent image is visible only when viewed through a special decoder lens. The digital processing allows different latent images to be encoded according to different parameters. Additionally, latent images might be encoded into single component colors of an original visible image, at various angles from each other.
    Type: Grant
    Filed: December 29, 2004
    Date of Patent: September 14, 2010
    Assignee: Graphic Security Systems Corporation
    Inventors: Alfred V. Alasia, Alfred J. Alasia, Thomas C. Alasia
  • Patent number: 7744797
    Abstract: A multilayer security element with at least two security features exactly disposed to each other is produced by the security features being present on separate carrier foils (100, 200) and the carrier foils being laminated with each other in such a way that the security features in the layer compound are disposed to each other in register. As to achieve an exact register of the security features, each carrier foil has register marks, with the help of which the foils are controlled relative to each other. The controlling is effected by stretching that carrier foil, the security features of which are running behind relative to the security features of the respective other carrier foil.
    Type: Grant
    Filed: June 6, 2003
    Date of Patent: June 29, 2010
    Assignee: Giesecke & Devrient GmbH
    Inventor: Theo Burchard
  • Patent number: RE44274
    Abstract: A method or corresponding apparatus for remote transmission of a negotiable instrument. In an example embodiment, the process provides a carrier that secures a negotiable instrument. Next, the process creates a unique identifier, associated with the carrier, and generates an electronic image of the negotiable instrument. After generating the electronic image, the process transmits the electronic image of the negotiable instrument and the unique identifier to a remote location. The negotiable instrument may be transmitted via a fax, a scanner, a device designed to transmit electronic data, other image device compatible with ITU-T recommendations T.30 or T.4, or combination thereof. The process may also verify the negotiable instrument has a valid endorsement, verify image quality of the electronic image to ensure compliance with financial industry standards, or validate any received security information.
    Type: Grant
    Filed: March 14, 2012
    Date of Patent: June 11, 2013
    Assignee: Lighthouse Consulting Group, LLC
    Inventors: Robert P. Popadic, John R. Popadic, Thomas E. Gazda, Stuart J. Lipoff