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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Abstract: A system and method for providing supplemental payment or transaction information. The method comprising the steps of receiving at least one payment file from at least one payor; receiving at least one supplemental payment information file from the at least one payor or at least one provider; associating the at least one supplemental payment information file with the corresponding at least one payment file; determining whether there is a payment discrepancy based on the at least one supplemental information file and the corresponding at least one payment file; and preparing at least one payment explanation file, wherein the payment explanation file comprises data or information based on the payment file and an explanation.

Abstract: Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards a system that is configured to receive transaction data from customer-oriented terminals. The transaction data includes requests for monetary transfers on behalf of customers that hold a checking or savings account at a financial institution. In response to receiving the transaction data, the system accesses customer account information, which can include the amount of funds in the checking or savings accounts. The system determines whether sufficient funds exist in the accounts to cover the financial transactions. In response to a potential overdraft of one or more customer accounts, stored customer information is accessed to determine and authorize overdraft deferment eligibility of the customer based upon the stored customer information. The system defers an overdraft fee by providing a grace period during which funds can be transferred to cover the overdraft.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a system to receive information related to check transaction based on the location of the user. In one embodiment of the invention, the computer-implemented method determines a location of a check transaction and stores the location in an archive in association with the check transaction. The method then determines a location of a user and determines a list of check transactions associated with the location of the user. In some embodiments, the method provides the list of check transactions to the user. The method may also provide offers or recommendations to the user, such as an offer to establish a direct transfer instead of using a check in the future. The user and/or the provider of the method may also broaden or narrow the search results based on characteristics of the transaction.

Abstract: Methods and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second value of the negotiable instrument based on the electronic image, and automatically validating the negotiable instrument if the first value is substantially equal to the second value.

Abstract: A method and system for electronic deferred check processing is disclosed. A processing center receives an account identifier and a plurality of deferred payment amounts. The deferred payment amounts may be specified in a check, which can be digitized and electronically transmitted for further processing. The account identifier is correlated to a purchaser checking account. The deferred payment amounts are transferred to a merchant account in accordance with one of a plurality of predefined merchant transfer schedules, and each transfer may have a fee associated therewith that is deductable from the deferred payment amounts. The funds corresponding to the deferred payment amounts are also transferred from the purchaser checking account according to a predefined deduction schedule.

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.

Abstract: A method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used to promptly initiate the transfer of funds to and from appropriate accounts, while the paper checks, at a remote location and typically lagging in time, are scanned to create digital image files and deposited as an image or substitute check if deemed ACH ineligible. The method provides for the comparison of data files to image files, based on MICR information, to find any unmatching or mismatched items for exception processing and a process to manage ACH-ineligible items as an image or substitute check.

Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: An Internet-coupled transaction service has a link to a computer appliance coupled to a merchant site, the computer appliance operated by a person who has selected one or more products or services to purchase at the merchant site, and who has selected, through the merchant site, the transaction service to arrange payment, and software executing from a computer-readable medium accessible to the service. The transaction service, via the software verifies the identity of the person, determines a credit worthiness for the person, and the score being sufficient, arranges payment to be made to the merchant on behalf of the person, and arranges repayment terms with the person for the payment to the merchant.

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 a least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

Abstract: A system and method for efficient image cashletter processing where an image cashletter including a plurality of monetary records is received. Failed monetary records in the image cashletter are separated out from good monetary records in the image cashletter. The good monetary records are processed independently of processing the failed monetary records, therefore, allowing the good monetary records to continue to be processed without having to wait for the failed monetary records to be repaired.

Abstract: Method, system and program product, the system comprising: computer programmed for accessing databases comprising: aggregated deposit account information for plurality of FDIC-insured aggregated deposit accounts held in plurality of depository institutions; and client account information; obtaining fund transfer instructions; allocating fund amounts for other depository institutions; generating data for depositing funds to or withdrawing funds from at least one aggregated deposit account multiple times in a month period, comprising generating data for instructions for making a withdrawal from one depository institution more than six times during the month period, using methods: in person, by mail, messenger, telephone, automated teller machine, for withdrawals except for a set of at least 1-6 withdrawals within last six business days of the month period, and presenting instructions to depository institution using method that counts against a 6 withdrawal limit for this set of the withdrawals during the last s

Abstract: A system and method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used to promptly initiate the transfer of funds to and from appropriate accounts, while the paper checks, at a remote location and typically lagging in time, are scanned to create digital image files and deposited as an image or substitute check if deemed ACH ineligible. The method provides for the comparison of data files to image files, based on MICR information, to find any unmatching or mismatched items for exception processing and a process to manage ACH-ineligible items as an image or substitute check. The system and method further provides for sorting exceptions according to transaction type (ACH eligible versus ACH-ineligible) and prioritizing the further processing of the exceptions based on transaction type.