专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明授权

US07876949B1 Systems and methods for remote deposit of checks 有权
标题翻译：用于远程存款支票的系统和方法
公开(公告)号：US07876949B1
公开(公告)日：2011-01-25
申请号：US11591025
申请日：2006-10-31
申请人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Prasad Nuggehalli , Greg Alan Harpel , Michael Frank Morris
发明人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Prasad Nuggehalli , Greg Alan Harpel , Michael Frank Morris
IPC分类号： G06K9/00 , G06F17/00
CPC分类号： G06Q20/10 , G06Q20/042 , G06Q30/06
摘要： 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.
摘要翻译：金融机构可以方便地支票的远期存款。可以利用客户的通用计算机和图像捕获设备来捕获检查的图像并将图像传送到金融机构电子设备。必要时可以收集交易的其他数据。可以使用所获得的图像和数据来自动完成交易。

2. 发明授权

US08719838B1 Systems and methods for generating scripts to interact with web sites 有权
标题翻译：用于生成与网站交互的脚本的系统和方法
公开(公告)号：US08719838B1
公开(公告)日：2014-05-06
申请号：US12127913
申请日：2008-05-28
申请人： Charles Lee Oakes, III , Randy Ray Morlen , Teddy Joseph Edmond Voutour , Rickey D. Burks
发明人： Charles Lee Oakes, III , Randy Ray Morlen , Teddy Joseph Edmond Voutour , Rickey D. Burks
IPC分类号： G06F3/00 , G06F9/44 , G06F9/46 , G06F13/00 , G06F21/31
CPC分类号： H04L63/08 , G06F17/218 , G06F17/30684 , G06F21/31 , H04L63/1408
摘要： Interaction with a web site may be driven by a script. The script may be generated through automated analysis of a web site. A web site may be analyzed by evaluating labels associated with data entry fields, links, and/or other elements of the pages that make up the web site. Moreover, a web site may be analyzed by co-browsing the web site along with a human, and observing the actions that a human takes to operate the web site. The scripts that are generated may be used to perform a transaction at a web site on behalf of a principal, to gather information from a web site, or to perform any other type of action.
摘要翻译：与网站的交互可能由脚本驱动。脚本可以通过网站的自动分析生成。可以通过评估与构成网站的页面的数据输入字段，链接和/或其他元素相关联的标签来分析网站。此外，可以通过与人类共同浏览网站来分析网站，并观察人类操作网站所采取的行动。生成的脚本可以用于代表主体在网站上执行交易，从网站收集信息或执行任何其他类型的操作。

3. 发明授权

US08320657B1 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 有权
标题翻译：使用数码相机远程存放可转让票据的系统和方法
公开(公告)号：US08320657B1
公开(公告)日：2012-11-27
申请号：US11931804
申请日：2007-10-31
申请人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
发明人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
IPC分类号： G06K9/00
CPC分类号： G06K9/3275 , G06Q20/042 , G06Q20/3276
摘要： To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.
摘要翻译：为了以电子方式存入可转让票据，可以使用数字图像。本文描述了促进使用数字照相机来提供数字图像的系统和方法。用户可以捕获可协商仪器的图像以创建数字图像。数字图像可以被压缩并保存为数字图像文件。然后，用户可以将数字图像文件发送到诸如银行的金融机构，将从可转让票据的账户中提取的资金存入用户账户。金融机构可以从帐户持有者接收由数码相机创建的数字图像文件，并使用数字图像文件处理存款请求。

4. 发明授权

US07873200B1 Systems and methods for remote deposit of checks 有权
公开(公告)号：US07873200B1
公开(公告)日：2011-01-18
申请号：US11591247
申请日：2006-10-31
申请人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Prasad Nuggehalli , Troy Huth
发明人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Prasad Nuggehalli , Troy Huth
IPC分类号： G06K9/00 , G06F17/00
CPC分类号： G06Q20/042 , G06K9/00161 , G06K9/186 , G06K2209/01 , G06Q20/0425 , G06Q20/10 , G06Q20/108 , G06Q20/3223 , G06Q20/325 , G06Q20/4014 , G06Q40/00 , G06Q40/02
摘要： 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.

5. 发明授权

US09710615B1 Systems and methods for secure online repositories 有权
公开(公告)号：US09710615B1
公开(公告)日：2017-07-18
申请号：US11863060
申请日：2007-09-27
申请人： Randy Ray Morlen , Charles Lee Oakes, III , Rickey Dale Burks
发明人： Randy Ray Morlen , Charles Lee Oakes, III , Rickey Dale Burks
IPC分类号： G06F21/00 , G06F21/10
CPC分类号： G06F21/10
摘要： Mechanisms are disclosed herein for storing various records. Numerous keys and parties can access online repositories. These repositories contain a plurality of lockboxes, structured hierarchically and otherwise, providing public and private areas with varying levels of access. Some content of such lockboxes can be sharable. These lockboxes can be used not only to store diverse content, ranging from birth certificates to deeds and social security numbers, but they can also be accessed in a variety of ways. For example, keys to lockboxes can be made available by such events as the issuing of death certificates or birth certificates. Alternatively, keys can be issued according to various rules and heuristics stipulated by lockbox users. In either case, the plurality of lockboxes residing in repositories can be configured to provide centralized storage facilities that are secure and readily accessible from various computing devices.

6. 发明授权

US08708227B1 Systems and methods for remote deposit of checks 有权
标题翻译：用于远程存款支票的系统和方法
公开(公告)号：US08708227B1
公开(公告)日：2014-04-29
申请号：US11590974
申请日：2006-10-31
申请人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , R. Bharat Prasad Nuggehalli , Frank Kyle Major , Jeffrey Neal Pollack
发明人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , R. Bharat Prasad Nuggehalli , Frank Kyle Major , Jeffrey Neal Pollack
IPC分类号： G06Q20/04 , G06K7/10
CPC分类号： G06K9/00442 , G06K7/10861 , G06K9/36 , G06Q20/04 , G06Q20/042 , G06Q20/108 , H04N1/00204 , H04N1/00244 , H04N1/00307 , H04N1/00816 , H04N1/387 , H04N1/403 , H04N2101/00 , H04N2201/001
摘要： 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.
摘要翻译：金融机构可以方便地支票的远期存款。可以利用客户的通用计算机和图像捕获设备来捕获检查的图像并将图像传送到金融机构电子设备。必要时可以收集交易的其他数据。可以使用所获得的图像和数据来自动完成交易。

7. 发明授权

US08577805B1 Systems and methods for virtual banking 有权
标题翻译：虚拟银行系统和方法
公开(公告)号：US08577805B1
公开(公告)日：2013-11-05
申请号：US11781911
申请日：2007-07-23
申请人： Charles Lee Oakes, III , Rickey Dale Burks , Randy Ray Morlen
发明人： Charles Lee Oakes, III , Rickey Dale Burks , Randy Ray Morlen
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40145 , G06F21/31 , G06Q20/0655 , G06Q20/108 , G06Q20/3223 , G06Q20/3227 , G06Q20/351 , G06Q20/363 , G06Q20/3672 , G06Q20/3676
摘要： Mechanisms for virtual banking are disclosed herein that provide experiences to users as if they were actually interacting with a branch office bank. For instance, virtual lockboxes are provided to users, and users can fill these lockboxes with the type of digital data that would traditionally be placed in a branch office bank lockbox. Birth certificates, social security numbers, wills, etc., can be uploaded from a user's remote computing device to a server associated with a bank. In another aspect, currency cards are disclosed that mimic cash withdrawal (or deposit) transactions users might engage in at typical branch offices. For example, users can download money from a bank server onto a currency card located at some remote location (or, alternatively, upload money from the card to the server, which would amount to a deposit being made to the bank).
摘要翻译：本文公开了虚拟银行的机制，其向用户提供了与分支机构银行实际交互的经验。例如，虚拟锁箱被提供给用户，并且用户可以用传统上被放置在分支办公室银行锁箱中的数字数据的类型来填充这些锁箱。出生证明，社会保险号码，遗嘱等可以从用户的远程计算设备上传到与银行相关的服务器。另一方面，公开了模拟用户可能在典型分支机构进行的现金提取（或存款）交易的货币卡。例如，用户可以将银行服务器的钱下载到位于某个远程位置的货币卡上（或者将钱从卡上传到服务器，这相当于存入银行）。

8. 发明授权

US08448177B1 Task prioritization based on users' interest 有权
标题翻译：基于用户兴趣的任务优先级排序
公开(公告)号：US08448177B1
公开(公告)日：2013-05-21
申请号：US12100704
申请日：2008-04-10
申请人： Randy Ray Morlen
发明人： Randy Ray Morlen
IPC分类号： G06F17/30
CPC分类号： G06Q10/06311 , G06F17/30392 , G06F17/30424 , G06F17/30876
摘要： Systems, methods and computer readable media can include prioritizing tasks associated with a group of users based on number of times the users have monitored the status of a task. In addition to the general system, systems, methods and computer readable media for task prioritizing, the tasks may be prioritized based on the number of users associated with a task, the importance of each user associated with a task, and the way the task was identified.
摘要翻译：系统，方法和计算机可读介质可以包括基于用户监视任务的状态的次数来优先化与一组用户相关联的任务。除了用于任务优先级的一般系统，系统，方法和计算机可读介质之外，可以基于与任务相关联的用户的数量，与任务相关联的每个用户的重要性以及任务的方式来优先处理任务确定。

9. 发明授权

US08290237B1 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 有权
公开(公告)号：US08290237B1
公开(公告)日：2012-10-16
申请号：US11931670
申请日：2007-10-31
申请人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
发明人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
IPC分类号： G06K9/00
CPC分类号： G06Q20/042 , G06Q20/3276
摘要： To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.

10. 发明授权

US08959033B1 Systems and methods for verification of remotely deposited checks 有权
标题翻译：用于验证远程存储检查的系统和方法
公开(公告)号：US08959033B1
公开(公告)日：2015-02-17
申请号：US11686924
申请日：2007-03-15
申请人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Nuggehalli , Carol Ann Walls , Gabriel Glenn Gavia , Reynaldo Medina, III
发明人： Charles Lee Oakes, III , Randy Ray Morlen , R. Bharat Nuggehalli , Carol Ann Walls , Gabriel Glenn Gavia , Reynaldo Medina, III
IPC分类号： G06Q40/00 , G06K9/00 , G07D11/00
CPC分类号： G06K9/00993 , G06K9/00161 , G06K9/00288 , G06Q40/02
摘要： 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.
摘要翻译：可以在系统中进行远程存放检查的验证，或者用于电子地接收来自客户的检查图像，并自动启动与此类检查相关的资金存款。验证可以包括分析图像以检测签名的存在，例如，在收到的支票图像上支付付款人签名和背书，以验证支票。验证可以进一步包括对所接收的检查图像进行“面部识别”以验证其真实性和/或检测MICR线指示检查不再有效。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式