With Paper Check Handling Patents (Class 705/45)
  • Patent number: 9785921
    Abstract: 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: Grant
    Filed: June 6, 2016
    Date of Patent: October 10, 2017
    Assignee: First Data Corporation
    Inventors: Charles McGinnis, Christopher J. Baehr, Charles R. Williams
  • Patent number: 9256859
    Abstract: 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: Grant
    Filed: July 26, 2012
    Date of Patent: February 9, 2016
    Assignee: salesforce.com, inc.
    Inventors: Joseph M. Olsen, Zachary J. Dunn, Teddy Joe
  • Patent number: 9213970
    Abstract: 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: Grant
    Filed: September 19, 2014
    Date of Patent: December 15, 2015
    Assignee: Bank of America Corporation
    Inventors: Mark D. Felse, John B. Hall, Michele N. Hanshew, Michael J. Pepe, Jr., Kerry Kurt Simpkins
  • Patent number: 9195889
    Abstract: 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: Grant
    Filed: February 4, 2015
    Date of Patent: November 24, 2015
    Assignee: 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
  • Patent number: 9195978
    Abstract: 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: Grant
    Filed: June 20, 2013
    Date of Patent: November 24, 2015
    Assignee: INTUIT INC.
    Inventor: Douglas E. Rose
  • Patent number: 9148447
    Abstract: 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: Grant
    Filed: August 31, 2011
    Date of Patent: September 29, 2015
    Assignee: Bank of America Corporation
    Inventors: Richard Lougheed Lawson, William Earnest Kelley
  • Patent number: 9141612
    Abstract: 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: Grant
    Filed: March 15, 2013
    Date of Patent: September 22, 2015
    Assignee: Mirrior Imaging, LLC
    Inventors: Michael D. Schulze, Richard J. Gagnon
  • Patent number: 9064248
    Abstract: 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: Grant
    Filed: July 29, 2010
    Date of Patent: June 23, 2015
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Lowell Robert Huff, Zhongmin Agarwal, David Todd Frew
  • Patent number: 9033246
    Abstract: 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: Grant
    Filed: June 16, 2014
    Date of Patent: May 19, 2015
    Assignee: MasterCard International Incorporated
    Inventors: John R. Wankmueller, David A. Roberts, Paul Michael Evans
  • Publication number: 20150120563
    Abstract: 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: Application
    Filed: October 29, 2013
    Publication date: April 30, 2015
    Applicant: Bank of America Corporation
    Inventors: Michael Gerald Smith, Scott Andrew Johnson, Saravana Kumar Govindarajan, Michael Scott Hjellming, Brian David Hanson, Hyunmo Koo
  • Publication number: 20150120564
    Abstract: 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: Application
    Filed: October 29, 2013
    Publication date: April 30, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Michael Gerald Smith, Scott Andrew Johnson, Michael Scott Hjellming, Brian David Hanson, Saravana Kumar Govindarajan, Hyunmo Koo
  • Publication number: 20150106272
    Abstract: 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: Application
    Filed: December 19, 2014
    Publication date: April 16, 2015
    Inventors: Anne D. Tatham, Milton Santiago, JR., Christopher Hope
  • Patent number: 9008626
    Abstract: A unified alerts message service delivers an alerts message, including content of interest to a user, to a mobile station of the user. Interest information of the user, which defines user's preferences or interests, is inputted by the user to an interface provided by a platform for providing the alerts message service. The platform receives various alerts contents from a number of content providers, and performs a logical matching to find alerts contents that logically match the user's interest information among the received alerts contents. The alerts contents found from the logical matching are sent in one or more mobile messaging service messages including combined alerts contents are sent to a mobile station of the user via a mobile network.
    Type: Grant
    Filed: January 23, 2014
    Date of Patent: April 14, 2015
    Assignee: Cellco Partnership
    Inventor: Dongliang Hu
  • Patent number: 9004353
    Abstract: 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: Grant
    Filed: March 11, 2013
    Date of Patent: April 14, 2015
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: James Block, H Thomas Graef, Paul D Magee, Donald S Nelson, Jr., James Meek, Daniel S McIntyre, Mark DePietro, Natarajan Ramachandran
  • Patent number: 8996476
    Abstract: Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.
    Type: Grant
    Filed: August 20, 2012
    Date of Patent: March 31, 2015
    Assignee: Bank of America Corporation
    Inventors: Geoffrey R. Williams, Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, II, James F. Barrett, II, Joshua A. Beaudry
  • Patent number: 8995305
    Abstract: Various exemplary embodiments relate to a method performed by a policy and charging rules node (PCRN), the method including: sending a first Sy spending limit request (SLR) to an online charging system (OCS) without specifying any policy counters; receiving from the OCS a first spending limit answer (SLA) including policy counters and associated status reports for a subscriber; creating an Sy session; determining required policy counters based upon the policy counter statuses; sending a second Sy SLR to the OCS for the required policy counters; and receiving a second SLA including status reports for the required policy counters.
    Type: Grant
    Filed: August 29, 2012
    Date of Patent: March 31, 2015
    Assignee: Alcatel Lucent
    Inventors: Shanawaz Shaik, Kugendran Sabaratnam, Ivy Mao, Matthew Yee
  • Patent number: 8977571
    Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.
    Type: Grant
    Filed: August 21, 2009
    Date of Patent: March 10, 2015
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III
  • Patent number: 8960538
    Abstract: Check processing involves scanning a back of a check having no printed authorization data to capture a back image; scanning a front of the check to capture a front image of the check, the front of the check being preprinted with magnetic ink characters; generating authorization data indicating that the check is valid based on a reading of the magnetic ink characters and a response from an external analysis source, the authorization data being generated electronically; generating an electronic merged image by electronically combining the back image with the authorization data in a predetermined area, the electronic merged image being generated without printing the authorization data on the check; and storing the electronic merged image with the front image. The check processing can be embodied in a method, apparatus, or instructions embodied on a machine-readable medium.
    Type: Grant
    Filed: May 23, 2013
    Date of Patent: February 24, 2015
    Assignee: Seiko Epson Corporation
    Inventor: Sadao Murata
  • Publication number: 20150052057
    Abstract: A system for processing bank notes and a corresponding method comprises at least one bank-note processing machine having a central control device on which only those software modules are implemented that are necessary for the standard operation of the bank-note processing machine for counting, checking and/or sorting bank notes. At least one application server is connected to the bank-note processing machine via an external communication network and has implemented thereon at least one further software module which is executed on the application server and provides an application which provides at least one function going beyond the standard operation of the bank-note processing machine. The application provided on the application server involves a configuration application, a serial-number application, a reporting application and/or a servicing application.
    Type: Application
    Filed: November 27, 2012
    Publication date: February 19, 2015
    Inventor: Andrej PIETSCHKER
  • Patent number: 8959033
    Abstract: Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting “face recognition” of a received check image to verify it's authenticity and/or detecting MICR line indications that a check is no longer valid.
    Type: Grant
    Filed: March 15, 2007
    Date of Patent: February 17, 2015
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, R. Bharat Nuggehalli, Carol Ann Walls, Gabriel Glenn Gavia, Reynaldo Medina, III
  • Publication number: 20150046333
    Abstract: A duplicate detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The regional or central processing system may receive capture documents from multiple capture sites. The processing system may analyze the captured documents to identify and flag false-positives prior to performing duplicate detection. Duplicate detection may be performed in accordance with predefined rules associated with false-positive flags. Once duplicate detection is complete, suspected duplicates may undergo manual review while non-duplicates are released for posting or dispatching.
    Type: Application
    Filed: July 16, 2014
    Publication date: February 12, 2015
    Inventors: George Miller Abernethy, Melinda Hiler, David Wellington McMann, Stephen David Poinier, Geoffrey Reed Williams
  • Publication number: 20150046326
    Abstract: A digital check scanner (1), a system and a method for the traceability of checks are described, said digital check scanner (1) being associated to geographic detecting means (9) adapted to detect a geographical location of said digital check scanner (1).
    Type: Application
    Filed: August 6, 2013
    Publication date: February 12, 2015
    Applicant: Panini S.p.A.
    Inventor: Pierpaolo Bubbio
  • Publication number: 20150046334
    Abstract: Pre-paid negotiable instruments are issued in response to a request at a host system from the holder of a stored-value account. The request is made through an IVR system or a web interface, and the host allocates funds from the account and provides a balance remaining after the negotiable instrument is issued. The instrument is printed with a transaction number or other identifier at an issuing system, and is then sent to the account holder. The account holder activates the instrument after receipt. The payee receives the instrument and authorizes the instrument by providing the transaction number or identifier to the host. When authorized, payment is guaranteed to the payee from the issuer.
    Type: Application
    Filed: August 20, 2014
    Publication date: February 12, 2015
    Applicant: FIRST DATA CORPORATION
    Inventor: Felix Weitzman
  • Patent number: 8949153
    Abstract: One variation includes a product including actuator system including an actuator connected to a shield; a control module for selectively actuating or deploying the actuator wherein the actuator may be moved from a first position to a second position in which the shield is extended a distance away from the first position.
    Type: Grant
    Filed: January 11, 2013
    Date of Patent: February 3, 2015
    Assignee: GM Global Technology Operations LLC
    Inventor: Alan G. Holmes
  • Publication number: 20150032630
    Abstract: Systems and methods are provided for postponing check settlement. According to one or more embodiments, a method is provided. The method may include receiving, by a computer including one or more processors, check information associated with a check on a current date. The method may also include determining, by the computer, a destination account identifier for the check and determining whether to postpone settlement of the check until after the current date. Furthermore, the method may include identifying, by the computer upon a positive determination to postpone settlement of the check, a delayed settlement date associated with the check.
    Type: Application
    Filed: July 23, 2014
    Publication date: January 29, 2015
    Inventor: Reginald Todd Mitchell
  • Publication number: 20150032631
    Abstract: A system which comprises a server which processes a plurality of financial document transaction requests each having a magnetic ink character recognition (MICR) code and an image of a financial document and a module installed in a portable device having an image sensor, a processor and a transmitter, the module uses the processor to extract a MICR code from a financial document imaged in an image captured using the image sensor and uses the transmitter to forward the MICR code and the image to the server via a network as a financial document transaction request.
    Type: Application
    Filed: March 12, 2013
    Publication date: January 29, 2015
    Inventor: Yuval Hinski
  • Publication number: 20150026069
    Abstract: A method and apparatus are provided for tracking documents. The documents are tracked by simultaneously monitoring each document's electronic processing status and physical location. Determinations are made whether specific combinations of electronic processing states and physical locations are valid and whether specific movements of documents are permitted. Invalid combinations or movements are reported to a reporting station. The preparation of batches of documents prior to scanning may be monitored and operator metrics related to the batch prep process may be tracked. Exception documents rejected during document processing may be monitored to enable retrieval of such documents.
    Type: Application
    Filed: October 10, 2014
    Publication date: January 22, 2015
    Inventors: George L. Hayduchok, Eric P. Minbiole, Michael W. Vasey
  • Publication number: 20150019437
    Abstract: A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.
    Type: Application
    Filed: September 30, 2014
    Publication date: January 15, 2015
    Inventors: Mark D. SMITH, David E. KOLINSKI-SCHULTZ, Dale H. BLACKSON, Natarajan RAMACHANDRAN
  • Publication number: 20150019436
    Abstract: A method, a system, and a computer program product for processing a plurality of electronic documents are provided. The method includes marking at least one area in an electronic document selected from the plurality of electronic documents. The marked at least one area is then matched with corresponding area in the remaining electronic documents of the plurality of electronic documents. A score is computed for each of the remaining electronic documents of the plurality of electronic documents based on the matching. The plurality of electronic documents is then grouped into one or more groups based on the score.
    Type: Application
    Filed: July 12, 2013
    Publication date: January 15, 2015
    Inventors: Edul N. Dalal, Wencheng Wu, Yu An Sun, Julien Bourdaillet
  • Publication number: 20150012442
    Abstract: Embodiments of the present disclosure may be used to scan a check or other payment instrument into an image file and apply a credit to one or more invoices associated with the entity, such as invoices issued by a business partner of the entity originating the check. Where there are multiple invoices outstanding invoices, embodiments of the present disclosure can selectively apply credits to such invoices based on input from the entity and/or based on rules defining how such credit are to be applied to the invoices.
    Type: Application
    Filed: June 4, 2014
    Publication date: January 8, 2015
    Applicant: BILL.COM, INC.
    Inventors: Henrique Pedreira de Freitas Ceribelli, Eric Chan, Mark Orttung, Darren Linscott
  • Patent number: 8930259
    Abstract: Systems, methods, apparatus, computer program code and means for generating quality data associated with an option limit order are provided. In some embodiments, an option limit order is received, the option limit order including information identifying a customer, information identifying a desired option, and information that indicates a limit price for said option limit order. A substantially real time feed of option market date is received and the option market data is used in real time to identify at least one of a trade-through and a trade-at transaction relevant to the option limit order. Alerts may be generated based on the identified trade-through or trade-at transaction. Trade-at or trade-through data may be tabulated and analyzed to evaluate option limit order trading activity. Analysis to generate trade-at or trade-through data may be performed on a batch processing basis relying entirely or in part on data received in real time or on a batch basis.
    Type: Grant
    Filed: September 14, 2011
    Date of Patent: January 6, 2015
    Assignee: Goldman, Sachs & Co.
    Inventors: Alan M. Buckwalter, John P. Xenakis, Pavel Golovinsky
  • Publication number: 20140372266
    Abstract: 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: Application
    Filed: June 14, 2013
    Publication date: December 18, 2014
    Inventors: Anne D. Tatham, Milton Santiago, JR., Christopher Hope
  • Patent number: 8903154
    Abstract: Techniques and systems are disclosed to perform, in some examples, the steps of receiving a note or an image of a note, imaging at least a portion of the note, determining a value of at least one field indicated by a predetermined identifier of the note through character and mark recognition, and storing information regarding the note in a memory. The information regarding the note that may be stored in a memory may be forwarded to a regulatory agency or an external entity for reporting or record-keeping.
    Type: Grant
    Filed: February 14, 2013
    Date of Patent: December 2, 2014
    Assignee: Bank of America Corporation
    Inventor: Matthew Alexander Calman
  • Patent number: 8885963
    Abstract: A method of automatically capturing images with precision uses an intelligent mobile device having a camera loaded with an appropriate image capture application. When a user initializes the application, the camera starts taking images of the object. Each image is qualified to determine whether it is in focus and entirely within the field of view of the camera. Two or more qualified images are captured and stored for subsequent processing. The qualified images are aligned with each other by an appropriate perspective transformation so they each fill a common frame. Averaging of the aligned images reduces noise and a sharpening filter enhances edges, which produces a sharper image. The processed image is then converted into a two-level, black and white image, which may be presented to the user for approval prior to submission via wireless or WiFi to a remote location.
    Type: Grant
    Filed: August 29, 2013
    Date of Patent: November 11, 2014
    Assignee: iParse, LLC
    Inventor: Mike Reddick Coleman
  • Patent number: 8880432
    Abstract: A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected by a customer for purchase, determining a required payment amount for the items, obtaining identification information from the customer, obtaining contact information and payment information, including bank account information and bank routing number information, from a customer profile associated with the identification information, creating a check image, sending a request for payment message providing access to the check image and the payment information to a mobile communication device of the customer using the contact information in the customer profile, and receiving a reply message from the mobile communication device authorizing payment for the items via electronic funds transfer and including a 2D barcode containing the check image and the payment information.
    Type: Grant
    Filed: May 30, 2012
    Date of Patent: November 4, 2014
    Assignee: NCR Corporation
    Inventor: Donald A. Collins, Jr.
  • Publication number: 20140324703
    Abstract: A check cashing system is configured to scan in a check to be cashed and scan a customer ID of a customer cashing the check. Information for the customer, including check cashing history, information for the maker of the check and other information is displayed to verify the authenticity of the check. Also, warnings are displayed if the check is considered fraudulent based on whether criteria are met.
    Type: Application
    Filed: May 5, 2014
    Publication date: October 30, 2014
    Applicant: Mastersoft Technologies LLC
    Inventors: Dharmesh MEHTA, Prashant RAMI
  • Patent number: 8870063
    Abstract: An automated banking machine (10) is operative to carry out financial transactions and includes a user interface (15). The user interface includes a card reader (16) which is operative to read data on user cards which identify user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Alternatively, movable panels (462, 464) are movable to prevent unauthorized viewing of confidential inputs. Alternatively a keypad cover is selectively collapsible to prevent digit access. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Disinfecting techniques may be used to disinfect manual contact surfaces of the machine.
    Type: Grant
    Filed: December 14, 2006
    Date of Patent: October 28, 2014
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: James Block, Paul D. Magee, Donald S. Nelson, Jr., Richard C. Lute, Jr., Klaus Steinbach, David A. Barker
  • Patent number: 8875139
    Abstract: A method and apparatus are provided for tracking documents. The documents are tracked by simultaneously monitoring each document's electronic processing status and physical location. Determinations are made whether specific combinations of electronic processing states and physical locations are valid and whether specific movements of documents are permitted. Invalid combinations or movements are reported to a reporting station. The preparation of batches of documents prior to scanning may be monitored and operator metrics related to the batch prep process may be tracked. Exception documents rejected during document processing may be monitored to enable retrieval of such documents.
    Type: Grant
    Filed: July 30, 2010
    Date of Patent: October 28, 2014
    Assignee: Mavro Imaging, LLC
    Inventors: George L. Hayduchok, Eric P. Minbiole, Michael W. Vasey
  • Publication number: 20140297536
    Abstract: A system for processing bank notes and a corresponding method comprises at least one bank-note processing machine having a central control device on which only those software modules are implemented that are necessary for the standard operation of the bank-note processing machine for counting, checking and/or sorting bank notes. At least one application server is connected to the bank-note processing machine via an external communication network and has implemented thereon at least one further software module which is executed on the application server and provides an application which provides at least one function going beyond the standard operation of the bank-note processing machine. The application provided on the application server involves a configuration application, a serial-number application, a reporting application and/or a servicing application.
    Type: Application
    Filed: November 27, 2012
    Publication date: October 2, 2014
    Inventor: Andrej Pietshker
  • Publication number: 20140297535
    Abstract: One or more embodiments of the invention allows a customer to use a uniform graphical user interface instead of multiple, discrete processing software applications and discrete hardware peripherals with different graphical user interfaces to enter data, perform workflow processing, validate the data entered and guide the customer with instructions. One or more embodiments of the invention simplifies the transfer of data between different applications/systems which are used in a workflow process, simplifies the entry of data by reducing or eliminating the need to reenter the same data, provides validation of the data entered by the customer and guides the customer with instructions. The data may also be transferred from one discrete hardware peripheral to another peripheral or a third party software application and increases customer ease by presenting the user with a uniform graphical user interface.
    Type: Application
    Filed: March 24, 2014
    Publication date: October 2, 2014
    Applicant: Docupace Technologies, Inc.
    Inventors: Michael PINSKER, Tom EMBROGNO
  • Patent number: 8844804
    Abstract: A process of facilitating cash collection deposits and deposit tracking includes identifying by a retailer an amount of cash collected by that retailer, including respective amounts of currency by denomination of the collected cash, creating a deposit ticket containing at least a unique identification code associated therewith, depositing the created deposit ticket and the collected cash into a deposit bag, transporting the deposit bag to a cash processing facility, and counting at the cash processing facility the collected cash contained in the transported deposit bag to verify that the amount previously identified by the retailer corresponds to the counted amount.
    Type: Grant
    Filed: July 23, 2008
    Date of Patent: September 30, 2014
    Assignee: Brink's Network, Inc.
    Inventors: Paul Blachowicz, Aaron Baker, Frederick Purches
  • Publication number: 20140289123
    Abstract: A method for a consumer or business to protect against loss associated with specified forms of check fraud. Upon purchasing checks, a consumer or business can subscribe to a check fraud protection program, for an additional fee. A consumer or business may purchase Check Fraud Protection for an additional fee independent of purchasing checks. The subscription will enable the consumer or business to obtain reimbursement from the service provider for the consumer's losses due to specified causes. The consumer or business reciprocally assigns any right of recovery from the consumer's or business's bank or financial institution to the service provider, which can then seek reimbursement from the bank, or financial institution and institute proceedings against the fraud perpetrator. Protection may be obtained for forged signatures, forged endorsements and altered check. A symbol to indicate such protection is also disclosed.
    Type: Application
    Filed: June 5, 2014
    Publication date: September 25, 2014
    Inventors: John C. Browning, Ken Illingworth, Brian D. Briggs
  • Patent number: 8825759
    Abstract: In general, the subject matter described in this specification can be embodied in methods, systems and program products. A server system receives from a plurality of computing devices indications that a user of each of the computing devices requested to receive posts that a first user authors. The server system receives from a first computing device a post that was authored by the first user. The post is transmitted from the server system to the plurality of computing devices. A score for the post is determined to satisfy a criteria for transmission to a second user who has not requested to receive posts authored by the first user. The determination uses a distance of the second user to the first user in a social network graph. In response, the post is transmitted from the server system to a second computing device that is associated with the second user.
    Type: Grant
    Filed: April 8, 2010
    Date of Patent: September 2, 2014
    Assignee: Google Inc.
    Inventors: Todd Jackson, Andrew A. Bunner, Matthew S. Steiner, John Pongsajapan, Jessica Shih-Lan Cheng, Edward S. Ho, Sean E. McBride
  • Patent number: 8814042
    Abstract: An automated banking machine operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The machine includes a printer for printing paper records of transactions conducted at the machine. The printer receives paper from a shared paper path. The shared paper path can be supplied by a first paper supply and a second paper supply. A controller is operative to switch between the paper supplies in providing paper to the printer. Based on signals received from paper sensors in the machine, the controller can determine whether the first paper supply has reached a predetermined low level. In response to a low level determination, the controller acts to cause a paper drive to begin moving paper from the second paper supply to the shared paper path and then to the printer.
    Type: Grant
    Filed: November 5, 2013
    Date of Patent: August 26, 2014
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Sathish M. Irudayam, Marcelo Castro, John E. Williams
  • Patent number: 8799137
    Abstract: A system is provided for administering a destination fund having a guarantee wrapper. The guarantee provides an income stream for life to one or more investors. The destination fund has a selected mix of equities and fixed income investments to provide for enhanced returns throughout retirement for the investor. The destination fund additionally provides income stream flexibility throughout the lifetime of the investor. Administration of a destination fund having a guarantee wrapper may include initiating a guarantee payment process if a value of the destination fund falls below a threshold.
    Type: Grant
    Filed: May 15, 2013
    Date of Patent: August 5, 2014
    Assignee: Hartford Fire Insurance Company
    Inventors: Vernon Meyer, Deborah Schunder
  • Publication number: 20140214682
    Abstract: A system and corresponding method are provided. The system includes a plurality of first entities (such as banks), each first entity communicatively connected to at least one distributed traffic agent (DTA), a second entity (such as a central facility) communicatively connected to a DTA, and a communication network communicatively connecting the DTAs. A payload containing a data file (such as electronic check presentment data, electronic payment data, or any other data type) is communicated from one first entity to another through their respective DTAs via the communication network. In addition, a transmittal containing control information corresponding to the payload is communicated from the one first entity to the second entity through their respective DTAs via the communication network.
    Type: Application
    Filed: March 28, 2014
    Publication date: July 31, 2014
    Applicant: THE CLEARING HOUSE PAYMENTS COMPANY L.L.C.
    Inventors: John P. Dunn, Stephen Ledford, Steve H. Jackson, Albert G. Wood
  • Patent number: 8793191
    Abstract: A duplicate detection system is provided for analyzing and processing documents received at one or more capture sites. A physical document may be electronically captured at a capture site and subsequently transmitted to a regional or central processing system. The regional or central processing system may receive capture documents from multiple capture sites. The processing system may analyze the captured documents to identify and flag false-positives prior to performing duplicate detection. Duplicate detection may be performed in accordance with predefined rules associated with false-positive flags. Once duplicate detection is complete, suspected duplicates may undergo manual review while non-duplicates are released for posting or dispatching.
    Type: Grant
    Filed: November 1, 2006
    Date of Patent: July 29, 2014
    Assignee: Bank of America Corporation
    Inventors: George Miller Abernethy, Melinda Hiler, Dave Wellington McMann, Steve David Poinier, Geoffrey Reed Williams
  • Publication number: 20140195439
    Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.
    Type: Application
    Filed: November 26, 2013
    Publication date: July 10, 2014
    Applicant: RDM Corporation
    Inventor: Graham Heit
  • Publication number: 20140195438
    Abstract: Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at least digital images of the original paper deposits and respective deposit information, the system comprising: a communications module that provides a list of one or more deposit functions assigned to each respective user, each of the deposit functions coordinated by a corresponding module of the plurality of deposit modules, and that provides a list of the respective digital data that is associated with each of the assigned deposit modules; the plurality of deposit modules that facilitates a distribution of the deposit functions for the collection and processing of the digital data with one or more users of the plurality of users.
    Type: Application
    Filed: September 11, 2013
    Publication date: July 10, 2014
    Applicant: RDM Corporation
    Inventors: Graham Heit, Douglas Newman, Dima Shamroni, Dhammika Botejue, John Kavanagh
  • Patent number: 8768840
    Abstract: A Universal Positive Pay Database (UPPD) method, system and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular financial transaction is initiated between a payer and a payee by providing parameters associated with the financial transaction to the UPPD database. An issue File is provided to the UPPD database that includes parameters associated with the particular financial transaction. A correspondence determination is made between the financial transaction parameters from the Issue File and the financial transaction parameters provided to the UPPD database at every point along the financial transaction clearing process.
    Type: Grant
    Filed: June 25, 2012
    Date of Patent: July 1, 2014
    Inventor: William O. Bozeman