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1. 发明授权

US08527419B1 End to end (E2E) processing 有权
标题翻译：端到端（E2E）处理
公开(公告)号：US08527419B1
公开(公告)日：2013-09-03
申请号：US12163392
申请日：2008-06-27
申请人： Lowell R. Huff , Geoffrey R. Williams
发明人： Lowell R. Huff , Geoffrey R. Williams
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： A method and apparatus for monitoring through completion the automated processes performed by a bank in validating Image Cash Letters for purposes of check clearing under the provisions of the Check21 Act.
摘要翻译：一种用于通过完成对银行进行的自动化处理的方法和装置，用于根据Check21法案的规定验证图像现金信函以进行支票清算。

2. 发明授权

US09070010B2 Image check content estimation and use 有权
标题翻译：图像检查内容估算和使用
公开(公告)号：US09070010B2
公开(公告)日：2015-06-30
申请号：US13567780
申请日：2012-08-06
申请人： Geoffrey R. Williams , Timmy L. Gauvin , Eric S. Sandoz , Kerry M. Cantley , Leslie M. LaRock , James F. Barrett, II , James G. Ronca , Deborah N. Bennett , Joshua A. Beaudry
发明人： Geoffrey R. Williams , Timmy L. Gauvin , Eric S. Sandoz , Kerry M. Cantley , Leslie M. LaRock , James F. Barrett, II , James G. Ronca , Deborah N. Bennett , Joshua A. Beaudry
IPC分类号： G06K9/00 , G06K9/18 , G06K9/54 , G06K9/60 , G06K9/20 , G06Q20/04
CPC分类号： G06K9/00449 , G06K9/00469 , G06K9/00852 , G06K9/2063 , G06K9/2072 , G06K2209/01 , G06Q20/042
摘要： Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
摘要翻译：基于手写检查内容导出交易记录的装置，方法和媒体。该装置可以包括，并且方法和媒体可以涉及被配置为接收检查图像的接收机设备。该装置可以包括处理器设备，并且方法和介质可以涉及处理器设备。处理器设备可以被配置为在检查图像内定义检查段; 将片段中的内容从手写翻译成估计的块文字; 并将块文本存储在机器可读存储器中的事务记录中。该装置可以包括，并且方法和媒体可以涉及被配置为将块文本发送到金融机构产品引擎的发射机。

3. 发明申请

US20140037182A1 IMAGE CHECK CONTENT ESTIMATION AND USE 有权
标题翻译：图像检查内容估计和使用
公开(公告)号：US20140037182A1
公开(公告)日：2014-02-06
申请号：US13567780
申请日：2012-08-06
申请人： Geoffrey R. Williams , Timmy L. Gauvin , Eric S. Sandoz , Kerry M. Cantley , Leslie M. LaRock , James F. Barrett, II , James G. Ronca , Deborah N. Bennett , Joshua A. Beaudry
发明人： Geoffrey R. Williams , Timmy L. Gauvin , Eric S. Sandoz , Kerry M. Cantley , Leslie M. LaRock , James F. Barrett, II , James G. Ronca , Deborah N. Bennett , Joshua A. Beaudry
IPC分类号： G06K9/78
CPC分类号： G06K9/00449 , G06K9/00469 , G06K9/00852 , G06K9/2063 , G06K9/2072 , G06K2209/01 , G06Q20/042
摘要： Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
摘要翻译：基于手写检查内容导出交易记录的装置，方法和媒体。该装置可以包括，并且方法和媒体可以涉及被配置为接收检查图像的接收机设备。该装置可以包括处理器设备，并且方法和介质可以涉及处理器设备。处理器设备可以被配置为在检查图像内定义检查段; 将片段中的内容从手写翻译成估计的块文字; 并将块文本存储在机器可读存储器中的事务记录中。该装置可以包括，并且方法和媒体可以涉及被配置为将块文本发送到金融机构产品引擎的发射机。

4. 发明授权

US08370263B2 Providing trusted services management using a hybrid service model 有权
标题翻译：使用混合服务模型提供可信赖的服务管理
公开(公告)号：US08370263B2
公开(公告)日：2013-02-05
申请号：US13173551
申请日：2011-06-30
申请人： Geoffrey R. Williams , James E. Burgess , Alicia C. Jones , Mark D. Zanzot
发明人： Geoffrey R. Williams , James E. Burgess , Alicia C. Jones , Mark D. Zanzot
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： G06F21/602 , G06F2221/2101 , G06Q30/00 , G06Q40/00
摘要： Methods, computer readable media, and apparatuses for providing trusted services management using a hybrid service model are presented. According to one or more aspects, a first transaction log of a first secure element included in a mobile computing device may be received. The first secure element may be provisioned with first secure information provided to a user of the computing device by a first entity, such as a first financial institution. Subsequently, a second transaction log of a second secure element included in the mobile computing device may be received. The second secure element may be provisioned with second secure information provided to the user of the computing device by a second entity different from the first entity, such as a second financial institution, for instance. In some arrangements, incentive offers may thereafter be provided to the user based on the first transaction log and the second transaction log.
摘要翻译：提出了使用混合服务模型提供可信服务管理的方法，计算机可读介质和装置。根据一个或多个方面，可以接收包括在移动计算设备中的第一安全元件的第一事务日志。第一安全元件可以由诸如第一金融机构的第一实体提供给计算设备的用户的第一安全信息。随后，可以接收包括在移动计算设备中的第二安全元件的第二事务日志。第二安全元件可以被提供有与例如第二金融机构不同于第一实体的第二实体提供给计算设备的用户的第二安全信息。在一些安排中，此后可以基于第一事务日志和第二事务日志向用户提供激励提供。

5. 发明申请

US20120255028A1 Providing Trusted Services Management Using a Hybrid Service Model 有权
标题翻译：使用混合服务模型提供可信服务管理
公开(公告)号：US20120255028A1
公开(公告)日：2012-10-04
申请号：US13173551
申请日：2011-06-30
申请人： Geoffrey R. Williams , James E. Burgess , Alicia C. Jones , Mark D. Zanzot
发明人： Geoffrey R. Williams , James E. Burgess , Alicia C. Jones , Mark D. Zanzot
IPC分类号： G06F21/24
CPC分类号： G06F21/602 , G06F2221/2101 , G06Q30/00 , G06Q40/00
摘要： Methods, computer readable media, and apparatuses for providing trusted services management using a hybrid service model are presented. According to one or more aspects, a first transaction log of a first secure element included in a mobile computing device may be received. The first secure element may be provisioned with first secure information provided to a user of the computing device by a first entity, such as a first financial institution. Subsequently, a second transaction log of a second secure element included in the mobile computing device may be received. The second secure element may be provisioned with second secure information provided to the user of the computing device by a second entity different from the first entity, such as a second financial institution, for instance. In some arrangements, incentive offers may thereafter be provided to the user based on the first transaction log and the second transaction log.
摘要翻译：提出了使用混合服务模型提供可信服务管理的方法，计算机可读介质和装置。根据一个或多个方面，可以接收包括在移动计算设备中的第一安全元件的第一事务日志。第一安全元件可以由诸如第一金融机构的第一实体提供给计算设备的用户的第一安全信息。随后，可以接收包括在移动计算设备中的第二安全元件的第二事务日志。第二安全元件可以被提供有与例如第二金融机构不同于第一实体的第二实体提供给计算设备的用户的第二安全信息。在一些安排中，此后可以基于第一事务日志和第二事务日志向用户提供激励提供。

6. 发明申请

US20110166975A1 MONITORING IN AN AUTOMATED CLEARING HOUSE PROCESSING ENVIRONMENT 有权
标题翻译：监控自动清除房屋加工环境
公开(公告)号：US20110166975A1
公开(公告)日：2011-07-07
申请号：US12651784
申请日：2010-01-04
申请人： Geoffrey R. Williams , Willard H. Waldron, III
发明人： Geoffrey R. Williams , Willard H. Waldron, III
IPC分类号： G06Q10/00 , G06Q40/00 , G06F15/16 , G06F17/30
CPC分类号： G06F17/3051 , G06F17/30516 , G06Q10/00 , G06Q10/0639 , G06Q40/00
摘要： Systems, methods, and computer program products provide for monitoring activities related to Automated Clearing House (ACH) processing and, in specific embodiments, monitoring activities related to ACH in processing in shared ACH processing environment in which two or more financial institutions share access to the shared ACH processing platform. The monitoring provides for determining that events associated with a respective monitored ACH processes trigger a respective alarm, generating the alarm messages based on the triggering events and providing for computer network access to results of the monitoring including the one or more alarm messages. As such the present invention provides real-time visibility to process owners regarding the health of their processes. Thereby, allowing the process owners the ability to address processing problems as they occur and mitigate overall risk involved in the processing.
摘要翻译：系统，方法和计算机程序产品提供与自动化结算所（ACH）处理相关的监控活动，在具体实施例中，与ACH相关的监控活动在共享ACH处理环境中处理，其中两个或多个金融机构共享对共享ACH处理平台。该监视用于确定与相应的所监视的ACH进程相关联的事件触发相应的报警，基于触发事件产生报警消息，并且提供对包括一个或多个报警消息的监视结果的计算机网络访问。因此，本发明为流程所有者提供关于其流程健康的实时可见性。因此，允许进程所有者在处理问题发生时解决处理问题并减轻处理中涉及的总体风险的能力。

7. 发明授权

US07899235B1 Image exchange send non-BOFD identification 有权
标题翻译：图像交换发送非BOFD标识
公开(公告)号：US07899235B1
公开(公告)日：2011-03-01
申请号：US11750489
申请日：2007-05-18
申请人： Geoffrey R Williams , Ronald Hollander , Carrie Finch , Kerry Cantley
发明人： Geoffrey R Williams , Ronald Hollander , Carrie Finch , Kerry Cantley
IPC分类号： G06K9/00 , G06F21/00
CPC分类号： G06K9/2054 , G06Q40/02
摘要： Aspects of the present disclosure are directed to a method that includes receiving a plurality of paper financial items, scanning each of the paper financial items, and for each paper financial item, generating a plurality of data sets based on the scanning. For each data set, it may be determined whether the associated paper financial item is a bank of first deposit (BOFD) item or a non-BOFD item. Also, for each data set, the data set may be modified depending upon whether the associated paper financial item is determined to be a BOFD item or a non-BOFD item. Further aspects are directed to systems that perform the above method.
摘要翻译：本公开的方面涉及一种方法，其包括接收多个纸张财务项目，扫描每个纸张财务项目，以及对于每个纸张财务项目，基于扫描生成多个数据集。对于每个数据集，可以确定相关联的纸张财务项目是第一存款（BOFD）项目还是非BOFD项目。此外，对于每个数据集，可以根据相关联的纸质财务项目是否被确定为BOFD项目还是非BOFD项目来修改数据集。进一步的方面涉及执行上述方法的系统。

8. 发明申请

US20140052697A1 CORRECTION OF CHECK PROCESSING DEFECTS 有权
标题翻译：检查加工缺陷的校正
公开(公告)号：US20140052697A1
公开(公告)日：2014-02-20
申请号：US13589886
申请日：2012-08-20
申请人： Geoffrey R. Williams , Timmy L. Gauvin , Kerry M. Cantley , Deborah N. Bennett , Eric S. Sandoz, II , James F. Barrett, II , Joshua A. Beaudry
发明人： Geoffrey R. Williams , Timmy L. Gauvin , Kerry M. Cantley , Deborah N. Bennett , Eric S. Sandoz, II , James F. Barrett, II , Joshua A. Beaudry
IPC分类号： G06F17/30
CPC分类号： G06F17/30 , G06K9/03 , G06K9/186 , G06Q20/042
摘要： 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.
摘要翻译：用于校正缺陷检查处理基准的装置，方法和介质。该装置可以包括，并且方法和媒体可以涉及被配置为从存储器接收第一交易记录的接收器。交易记录可以包括磁墨字符识别（MICR）行数据。 MICR线数据可以从支票电子读取。交易记录可以包括非MICR数据。非MICR数据可以从支票电子读取。该装置可以包括，并且方法和介质可以包括被配置为识别MICR线数据中的有缺陷的数据的处理器。处理器可以识别对应于有缺陷的数据的非MICR数据的一部分。处理器可以在存储器中存储第二事务记录。第二交易记录可以包括校正数据，其包括从非MICR数据的识别部分导出的元素。

9. 发明授权

US08527412B1 End-to end monitoring of a check image send process 有权
标题翻译：检查图像发送过程的端到端监控
公开(公告)号：US08527412B1
公开(公告)日：2013-09-03
申请号：US12200165
申请日：2008-08-28
申请人： Willard H. Waldron, III , Geoffrey R. Williams
发明人： Willard H. Waldron, III , Geoffrey R. Williams
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： A method, system, computer program product, or a combination of the foregoing and apparatus for an end-to-end Business Activity Monitoring (BAM) solution for an image send process. Specifically, monitoring metrics related to an image send process for cash letters or other negotiable items from the time that the items are received by the receiving financial institution until the time that the image cash letter is sent to the send partners and ultimately, the paying financial institution. An end-to-end monitoring solution provides real time insight into the health of a process, allowing the financial institution to address issues in advance of customer impact, both within and outside of the financial institution, and facilitate the identification of ongoing improvement opportunities as the process continues to grow and adapt.
摘要翻译：用于图像发送过程的端到端业务活动监视（BAM）解决方案的方法，系统，计算机程序产品或前述的组合和装置。具体来说，从接收金融机构接收到项目的时间到现金信件或其他可转让项目的图像发送处理的监视指标，直到图像现金信件发送给发送伙伴的时间为止，最终支付财务机构。端到端监控解决方案可以实时了解流程的健康状况，从而使金融机构能够在金融机构内部和外部解决客户影响的问题，并有助于确定正在进行的改进机会该过程继续发展和适应。

10. 发明授权

US08458068B2 Monitoring in an automated clearing house processing environment 有权
标题翻译：在自动化结算所处理环境中进行监控
公开(公告)号：US08458068B2
公开(公告)日：2013-06-04
申请号：US12651784
申请日：2010-01-04
申请人： Geoffrey R. Williams , Willard H. Waldron, III
发明人： Geoffrey R. Williams , Willard H. Waldron, III
IPC分类号： G06Q40/00
CPC分类号： G06F17/3051 , G06F17/30516 , G06Q10/00 , G06Q10/0639 , G06Q40/00
摘要： Systems, methods, and computer program products provide for monitoring activities related to Automated Clearing House (ACH) processing and, in specific embodiments, monitoring activities related to ACH in processing in shared ACH processing environment in which two or more financial institutions share access to the shared ACH processing platform. The monitoring provides for determining that events associated with a respective monitored ACH processes trigger a respective alarm, generating the alarm messages based on the triggering events and providing for computer network access to results of the monitoring including the one or more alarm messages. As such the present invention provides real-time visibility to process owners regarding the health of their processes. Thereby, allowing the process owners the ability to address processing problems as they occur and mitigate overall risk involved in the processing.
摘要翻译：系统，方法和计算机程序产品提供与自动化结算所（ACH）处理相关的监控活动，在具体实施例中，与ACH相关的监控活动在共享ACH处理环境中处理，其中两个或多个金融机构共享对共享ACH处理平台。该监视用于确定与相应的所监视的ACH进程相关联的事件触发相应的报警，基于触发事件产生报警消息，并且提供对包括一个或多个报警消息的监视结果的计算机网络访问。因此，本发明为流程所有者提供关于其流程健康的实时可见性。因此，允许进程所有者在处理问题发生时解决处理问题并减轻处理中涉及的总体风险的能力。

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