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1. 发明申请

US20100211483A1 SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MANAGING PAYMENT PROCESSES IN A COMPREHENSIVE PAYMENT HUB SYSTEM 有权
标题翻译：管理综合支付系统支付过程的系统，方法和计算机程序产品
公开(公告)号：US20100211483A1
公开(公告)日：2010-08-19
申请号：US12433267
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
IPC分类号： G06Q20/00 , G06Q10/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for managing the processing of a financial payment and, more specifically managing the processing of a financial payment in a comprehensive payment hub environment that provides for payment processing, including payment route determination, irrespective of the payment input channel. In accordance with embodiments herein disclosed, managing the processing of the payment includes automatically determining the payment processes and automatically determining the arrangement of the payment processes. As such, the methods, systems, and computer program products herein described provide for an efficient and cost-effective approach to processing payments.
摘要翻译：提供了系统，方法和计算机程序产品，用于管理金融支付的处理，并且更具体地管理在提供支付处理的综合支付中心环境中的金融支付的处理，包括支付路线确定，而不管支付输入通道。根据本文公开的实施例，管理付款的处理包括自动确定支付过程并自动确定支付过程的布置。因此，本文描述的方法，系统和计算机程序产品提供了处理支付的有效和成本有效的方法。

2. 发明申请

US20100211422A1 SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR STANDARDIZATION OF PAYMENT REQUESTS TO FACILITATE COMPREHENSIVE PAYMENT HUB PROCESSING 有权
标题翻译：系统，方法和计算机程序产品，用于标准化付款要求，以便促进综合付款处理
公开(公告)号：US20100211422A1
公开(公告)日：2010-08-19
申请号：US12433272
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
IPC分类号： G06Q20/00 , G06Q10/00
CPC分类号： G06Q20/023 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for conducting comprehensive payment processing of all payment requests regardless of the payment request channel. Payment requests are transformed from the initial format to a standardized format, which allows for the occurrence of further comprehensive payment processing, referred to herein as payment hub processing. Once the payment request has undergone necessary payment hub processing, the request undergoes further transformation/conversion from the standardized format to a target clearing format. In one embodiment of the invention, the processing hub provides for determining the clearing or remittance channel based on payment routing rules, which may take into account cost, time, risk and any other payment factors.
摘要翻译：提供系统，方法和计算机程序产品，用于对所有支付请求进行全面的支付处理，而不管支付请求信道如何。支付请求从初始格式转换为标准格式，这允许进一步全面支付处理的发生，这里称为支付集线器处理。一旦支付请求经过必要的支付中心处理，该请求将从标准化格式进一步转换/转换为目标清算格式。在本发明的一个实施例中，处理集线器提供基于支付路由规则来确定清算或汇款信道，这可以考虑到成本，时间，风险和任何其他支付因素。

3. 发明申请

US20100211495A1 SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR IMPROVING FOREIGN CURRENCY EXCHANGE IN A COMPREHENSIVE PAYMENT HUB SYSTEM 审中-公开
标题翻译：系统，方法和计算机程序产品，用于改善综合支付系统中的外汇交换
公开(公告)号：US20100211495A1
公开(公告)日：2010-08-19
申请号：US12434374
申请日：2009-05-01
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/381 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/04
摘要： Systems, methods, and computer program products are provided for improving foreign currency exchange processing of financial payment requests and, more specifically improving the bid/ask spread in foreign currency exchange so as to increase the profitability realized by the financial institution processing the payment. In accordance with embodiments herein disclosed, international financial payment requests are pooled together based on currency type and payment time requirements to provide for better exchange rates.
摘要翻译：提供系统，方法和计算机程序产品，用于改善金融支付请求的外币兑换处理，更具体地说是改善外币兑换的买卖价差，从而提高处理支付金融机构实现的盈利能力。根据本文所公开的实施例，国际金融支付请求基于货币类型和支付时间要求汇总在一起以提供更好的汇率。

4. 发明申请

US20070031022A1 IMAGE PROCESSING SYSTEM 有权
标题翻译：图像处理系统
公开(公告)号：US20070031022A1
公开(公告)日：2007-02-08
申请号：US11161475
申请日：2005-08-04
申请人： David Frew , Matthew Calman , Mark Felse , Kerry Cantley
发明人： David Frew , Matthew Calman , Mark Felse , Kerry Cantley
IPC分类号： G06K9/00
CPC分类号： G06Q20/0425 , G06K9/036 , G06Q10/10 , G06Q40/00
摘要： An image processing system requires that both a data file and an image file are received before the item is sent to a posting system. When a data file including an image is received, the system determines if the image was properly and timely received. If the file was properly received, the file is interpreted to ascertain whether the image has been previously tested and passed image quality analysis or if it requires testing by the receiving institution. If testing is required the image is sent through image quality analysis (IQA) to determine if the image meets an acceptable quality standard. If the image passes IQA, it is passed to the institution's posting process. If the image does not pass IQA and the failure is not overridden, the item is returned to the presenting institution. The system prevents the posting of the transaction and corresponding image until a quality image is received and approved.
摘要翻译：图像处理系统要求在将物品发送到发布系统之前接收数据文件和图像文件。当接收到包括图像的数据文件时，系统确定图像是否被正确和及时接收。如果文件被正确接收，则解释该文件以确定图像是否已经被测试过并且通过图像质量分析，或者如果需要接收机构进行测试。如果需要测试，则通过图像质量分析（IQA）发送图像，以确定图像是否符合可接受的质量标准。如果图像通过IQA，它将被传递给该机构的发布过程。如果图像未通过IQA，并且故障不被覆盖，则该项目将返回给呈现机构。该系统防止事务和相应图像的发布，直到接收和批准质量图像。

5. 发明授权

US08694433B1 Image cashletter processing with reject repair deferral 有权
标题翻译：图像现金处理与拒绝修复延期
公开(公告)号：US08694433B1
公开(公告)日：2014-04-08
申请号：US12146796
申请日：2008-06-26
申请人： Jeoffrey E. Hardesty , Clarence E. Lee, II , Lowell Huff , William Gollnick , Kerry Cantley
发明人： Jeoffrey E. Hardesty , Clarence E. Lee, II , Lowell Huff , William Gollnick , Kerry Cantley
IPC分类号： G06Q40/00 , G06Q20/00 , G06Q20/04 , G06Q20/20
CPC分类号： G06Q20/042 , G06K9/03 , G06K9/186 , G06Q20/208 , G06Q40/00
摘要： 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.
摘要翻译：一种用于高效图像现金处理的系统和方法，其中接收包括多个货币记录的图像现金。图像现金流中的货币失败记录与图像现金流中的良好货币记录分开。良好的货币记录与处理失败的货币记录无关，因此，允许良好的货币记录继续处理，而不必等待损失的货币记录被修复。

6. 发明授权

US08606706B2 Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing 有权
标题翻译：用于标准化支付请求的系统，方法和计算机程序产品，以促进综合支付中心处理
公开(公告)号：US08606706B2
公开(公告)日：2013-12-10
申请号：US12433272
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
IPC分类号： G06Q40/00
CPC分类号： G06Q20/023 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for conducting comprehensive payment processing of all payment requests regardless of the payment request channel. Payment requests are transformed from the initial format to a standardized format, which allows for the occurrence of further comprehensive payment processing, referred to herein as payment hub processing. Once the payment request has undergone necessary payment hub processing, the request undergoes further transformation/conversion from the standardized format to a target clearing format. In one embodiment of the invention, the processing hub provides for determining the clearing or remittance channel based on payment routing rules, which may take into account cost, time, risk and any other payment factors.
摘要翻译：提供系统，方法和计算机程序产品，用于对所有支付请求进行全面的支付处理，而不管支付请求信道如何。支付请求从初始格式转换为标准格式，这允许进一步全面支付处理的发生，这里称为支付集线器处理。一旦支付请求经过必要的支付中心处理，该请求将从标准化格式进一步转换/转换为目标清算格式。在本发明的一个实施例中，处理集线器提供基于支付路由规则来确定清算或汇款信道，这可以考虑到成本，时间，风险和任何其他支付因素。

7. 发明授权

US08301565B2 System and method for correspondent bank customer ATM transaction processing 有权
标题翻译：代理银行客户ATM交易处理的系统和方法
公开(公告)号：US08301565B2
公开(公告)日：2012-10-30
申请号：US12759342
申请日：2010-04-13
申请人： Kerry Cantley , Tony England
发明人： Kerry Cantley , Tony England
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q20/1085 , G07F19/202
摘要： Systems and methods provide the customer of a correspondent bank, having a pre-arranged relationship with an ATM bank to use the ATM bank's ATM network, with the opportunity to deposit funds via check or cash using the ATM bank's ATM network. A correspondent bank profile and/or individual customer profiles are created and stored on the ATMs of the ATM bank and/or the backend system. The correspondent bank customer initiates a transaction with an ATM on the ATM network, is authenticated, and the ATM determines the customer is a customer of the correspondent bank. Based thereon, the ATM offers the customer the option to perform a deposit transaction. The ATM bank clears the deposited funds and sends transaction information to the correspondent bank including MICR data, check image, and transaction information. The transaction is settled through a demand deposit account owned by the correspondent bank and maintained by the ATM bank.
摘要翻译：系统和方法为代理银行的客户提供与ATM银行预先安排的关系，以使用ATM银行的ATM网络，有机会通过ATM银行的ATM网络通过支票或现金存入资金。记录银行简档和/或个人客户简档被创建并存储在ATM银行和/或后端系统的ATM上。代理银行客户在ATM网络上启动与ATM的交易，经过身份验证，ATM确定客户是代理银行的客户。基于此，ATM为客户提供执行存款交易的选择。 ATM银行清理存入的资金，并向交易银行发送交易信息，包括MICR数据，支票图像和交易信息。交易通过代理行拥有的定期存款账户结算并由ATM银行维护。

8. 发明授权

US08219499B2 Community hub review 有权
标题翻译：社区中心审查
公开(公告)号：US08219499B2
公开(公告)日：2012-07-10
申请号：US12713638
申请日：2010-02-26
申请人： Srinath Nagarajan , Timothy James Mark , Kerry Cantley , David Joa , Kurt D. Newman
发明人： Srinath Nagarajan , Timothy James Mark , Kerry Cantley , David Joa , Kurt D. Newman
IPC分类号： G06Q99/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0282 , G06Q50/01
摘要： The business review application provides a customer with a bank-hosted business review platform that provides an advertising and feedback service for the bank's business customers and provides a rating, review, feedback, and recommendation service for the bank's individual and business customers. Thus, the bank's customers can rate and review the bank's business customers. The bank uses its authentication systems used by its customers to access online banking services to authenticate the identity of the customer creating a business review in the business review platform. In some embodiments, the business review application only permits its customers to make one review of a business within a certain period of time or one review after a transaction with that business shows up in the customer's transaction information maintained by the bank. In this way, the bank can host a review platform that is much more accurate and trust-worthy than traditional business review platforms.
摘要翻译：商业评论应用程序为客户提供银行托管的商业评论平台，为银行业务客户提供广告和反馈服务，并为银行的个人和企业客户提供评级，审查，反馈和推荐服务。因此，银行的客户可以评估和审查银行的业务客户。银行使用其客户使用的认证系统来访问网上银行服务，以便在业务审查平台中对客户的身份进行身份验证，从而创建业务审查。在一些实施例中，业务审查应用程序仅允许其客户在与该业务的交易中显示在银行维护的客户的交易信息中的一段时间内对业务进行一次审查或者一次审查。通过这种方式，银行可以托管一个比传统业务评估平台更准确和信任的评估平台。

9. 发明申请

US20120030107A1 Generation And Use Of Transaction Records With Imaging 审中-公开
标题翻译：交易记录与影像的生成与使用
公开(公告)号：US20120030107A1
公开(公告)日：2012-02-02
申请号：US12847652
申请日：2010-07-30
申请人： Lisa Gibson , James G. Ronca , Kerry Cantley
发明人： Lisa Gibson , James G. Ronca , Kerry Cantley
IPC分类号： G06Q40/00
CPC分类号： G06Q20/42 , G06Q20/10 , G06Q20/1085 , G06Q20/389 , G07G3/00
摘要： Systems and methods for generating transaction records with imaging are described. Data representative of a transaction of a user may be received and a transaction record for the transaction may be generated. A user request to withdraw an amount of monetary funds from an account associated with the transaction may be received. At least one captured image of the user during the transaction may be associated with the transaction record. Monetary funds from the account in the amount requested by the user may be outputted, and the transaction record may be stored in a database. Upon determining the amount of monetary funds requested for withdrawal exceeds a first threshold, at least one image of the user may be captured, and a copy of the at least one captured image of the user or a link to the at least one captured image may be stored in the transaction record.
摘要翻译：描述了使用成像生成交易记录的系统和方法。可以接收表示用户的交易的数据，并且可以生成用于交易的交易记录。可以接收用户从与该交易相关联的账户中提取金额的资金的请求。交易期间用户的至少一个拍摄图像可以与交易记录相关联。可以输出由用户要求的金额的帐户中的货币资金，并且交易记录可以存储在数据库中。在确定所提取的货币资金量超过第一阈值时，可以捕获用户的至少一个图像，并且该用户的至少一个拍摄图像的副本或者至少一个拍摄图像的链接的副本可以存储在交易记录中。

10. 发明申请

US20110213724A1 COMMUNITY HUB REVIEW 有权
标题翻译：社区评论
公开(公告)号：US20110213724A1
公开(公告)日：2011-09-01
申请号：US12713638
申请日：2010-02-26
申请人： Srinath Nagarajan , Timothy James Mark , Kerry Cantley
发明人： Srinath Nagarajan , Timothy James Mark , Kerry Cantley
IPC分类号： G06Q99/00 , G06Q40/00 , G06F3/048
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0282 , G06Q50/01
摘要： The business review application provides a customer with a bank-hosted business review platform that provides an advertising and feedback service for the bank's business customers and provides a rating, review, feedback, and recommendation service for the bank's individual and business customers. Thus, the bank's customers can rate and review the bank's business customers. The bank uses its authentication systems used by its customers to access online banking services to authenticate the identity of the customer creating a business review in the business review platform. In some embodiments, the business review application only permits its customers to make one review of a business within a certain period of time or one review after a transaction with that business shows up in the customer's transaction information maintained by the bank. In this way, the bank can host a review platform that is much more accurate and trust-worthy than traditional business review platforms.
摘要翻译：商业评论应用程序为客户提供银行托管的商业评论平台，为银行业务客户提供广告和反馈服务，并为银行的个人和企业客户提供评级，审查，反馈和推荐服务。因此，银行的客户可以评估和审查银行的业务客户。银行使用其客户使用的认证系统来访问网上银行服务，以便在业务审查平台中对客户的身份进行身份验证，从而创建业务审查。在一些实施例中，业务审查应用程序仅允许其客户在与该业务的交易中显示在银行维护的客户的交易信息中的一段时间内对业务进行一次审查或者一次审查。通过这种方式，银行可以托管一个比传统业务评估平台更准确和信任的评估平台。

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