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1. 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。

2. 发明授权

US08712801B1 Systems and methods for automated institutional processing of payments 有权
标题翻译：自动化机构处理付款的系统和方法
公开(公告)号：US08712801B1
公开(公告)日：2014-04-29
申请号：US11782564
申请日：2007-07-24
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： G06Q40/08
CPC分类号： G06Q10/10
摘要： Various mechanisms are provided herein for automated institutional processing of payments. For example, fund can be transferred from one party to another party by transfer of funds from a static account into a dynamically created transaction account. Such a transfer can have additional features, including the refunding of the transfer funds and revocation thereof. According to another example, insurance claims can be automatically processed by transferring funds when claims are filed (with or without evidentiary documents). Such transfers can then be validated afterwards. Thus, when claims are received, they can be quickly examined for the relevant fields, such as claim amount, and then the amount can be disbursed in a matter of minutes after receiving a claim submission. Such disbursement, moreover, can be governed according to various heuristics, including the trustworthiness of claimants and rules regarding maximum disbursement amounts.
摘要翻译：本文提供了各种机制，用于自动化支付系统处理。例如，通过将资金从静态账户转移到动态创建的交易账户中，资金可以从一方转移到另一方。这种转移可以具有额外的功能，包括转移资金的退还和撤销。根据另一个例子，保险索赔可以在提出索赔时转移资金（有或没有证据文件）自动处理。此后可以验证此类转移。因此，当收到索赔时，可以迅速检查相关领域，例如索赔额，然后可以在收到索赔提交后的几分钟内支付金额。此外，这种支付可以根据各种启发式管理，包括索赔人的可信赖性和关于最大支付金额的规则。

3. 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.

4. 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）。

5. 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.

6. 发明授权

US10650388B1 Systems and methods for competitive online quotes web service 有权
公开(公告)号：US10650388B1
公开(公告)日：2020-05-12
申请号：US11858510
申请日：2007-09-20
申请人： Charles Lee Oakes, III , Rickey Dale Burks , Reynaldo Medina, III
发明人： Charles Lee Oakes, III , Rickey Dale Burks , Reynaldo Medina, III
IPC分类号： G06Q30/02 , G06Q30/06 , G06Q40/06 , G06Q40/08
摘要： The present subject matter provided is a “real-time” (versus batch) process that utilizes a financial or insurance institution's customer's personal computer to gather “up-to-the-minute” competitor product premium pricing information that can be used by the customer and the customer's financial or insurance institution for competitive product premium pricing comparison. One way to provide pricing information is to use an aggregation vendor to transmit and receive online pricing information from competitors. Another way to provide pricing information is to use the customer's computer to transmit data and to request a price quote. An applet or other type of software may be loaded onto a computer being used by the customer to facilitate the transmission and reception of pricing information. A central repository may be used to collect and store pricing information to provide online quotes as well as monitor for pricing changes of competitors.

7. 发明授权

US09020837B1 Systems and methods for mobile automobile information 有权
标题翻译：移动汽车信息系统与方法
公开(公告)号：US09020837B1
公开(公告)日：2015-04-28
申请号：US12062694
申请日：2008-04-04
申请人： Charles Lee Oakes, III , Rickey Dale Burks , Michael Patrick Bueche, Jr.
发明人： Charles Lee Oakes, III , Rickey Dale Burks , Michael Patrick Bueche, Jr.
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/0271
摘要： A mobile automobile information system and methods are described. Data such as images may be captured from a vehicle dealer sticker with a mobile device and analyzed. The sticker may contain machine-readable information such as a barcode. The collected data may be analyzed to determine vehicle and vehicle related information. Dealer information and vehicle purchase related information may also be generated. The results of the analysis may be provided to the user's mobile device. Purchase assistance may be provided to the user through the mobile device, answering user inquiries and providing vehicle purchase information to the user during the purchase process.
摘要翻译：描述移动汽车信息系统和方法。可以从具有移动设备的车辆经销商贴纸捕获诸如图像的数据并进行分析。贴纸可能包含机器可读信息，如条形码。可以分析收集的数据以确定车辆和车辆相关信息。也可以生成经销商信息和车辆采购相关信息。分析结果可以提供给用户的移动设备。可以通过移动设备向用户提供购买帮助，在购买过程期间回答用户的查询并向用户提供车辆购买信息。

8. 发明授权

US08438151B1 Bias free property reports 有权
标题翻译：免费物业报告
公开(公告)号：US08438151B1
公开(公告)日：2013-05-07
申请号：US12059584
申请日：2008-03-31
申请人： Bradly Jay Billman , Charles Lee Oakes, III , Rickey Dale Burks , Michael Patrick Bueche, Jr.
发明人： Bradly Jay Billman , Charles Lee Oakes, III , Rickey Dale Burks , Michael Patrick Bueche, Jr.
IPC分类号： G06F7/00
CPC分类号： G06Q30/02 , G06Q50/16
摘要： Methods, systems and computer readable instructions to provide unbiased real property information to an end-user based on the location of the end-user when the end-user initiates a request for the real property information. The real property information is unbiased because the provider of the real property information searches for information that may adversely affect a potential transaction and provides the information found in the search regardless of the potential effect on a transaction.
摘要翻译：方法，系统和计算机可读指令，用于当最终用户发起对不动产信息的请求时，基于最终用户的位置向终端用户提供无偏差的不动产信息。不动产信息是不偏不倚的，因为不动产信息的提供者搜索可能对潜在交易产生不利影响的信息，并提供在搜索中找到的信息，而不管交易的潜在影响。

9. 发明授权

US09846911B1 Systems and methods for claims processing via mobile device 有权
公开(公告)号：US09846911B1
公开(公告)日：2017-12-19
申请号：US12180048
申请日：2008-07-25
申请人： Rickey Dale Burks , Charles L. Oakes, III , Michael P. Bueche, Jr. , Bradly Jay Billman
发明人： Rickey Dale Burks , Charles L. Oakes, III , Michael P. Bueche, Jr. , Bradly Jay Billman
IPC分类号： H04W4/02 , G06Q40/08
CPC分类号： G06Q40/08 , H04W4/02
摘要： A method, system and computer-usable medium are disclosed for the processing of information collected by a mobile device at the site of an incident. An incident information processing system, comprising an incident location information module, receives incident information provided in a communication originated from a mobile device. The received incident information is processed by the incident location information module to provide location information, which is then used to provide incident response services. Image and audio information relating to the incident are likewise provided by the mobile device for processing into incident information. Incident statement questions are generated by the incident information processing system and are then presented via the mobile device for response by various parties associated with the incident. Responses to the questions are collected via the mobile device, processed into incident statements, and stored in the incident information and claims repository.

10. 发明授权

US09779392B1 Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments 有权
公开(公告)号：US09779392B1
公开(公告)日：2017-10-03
申请号：US12859741
申请日：2010-08-19
申请人： Bharat Prasad , Rickey Dale Burks , Minya Liang
发明人： Bharat Prasad , Rickey Dale Burks , Minya Liang
IPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/10
CPC分类号： G06Q20/042 , G06Q20/0425 , G06Q20/10 , G06Q40/02
摘要： The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.

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