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1. 发明授权

US09135611B1 Advanced systems and methods for geographical card 有权
标题翻译：先进的地理卡系统和方法
公开(公告)号：US09135611B1
公开(公告)日：2015-09-15
申请号：US12500888
申请日：2009-07-10
申请人： Reynaldo Medina, III , Arthur Q. Smith , John C. Hopkins , Bradly J. Billman , Teddy Voutour
发明人： Reynaldo Medina, III , Arthur Q. Smith , John C. Hopkins , Bradly J. Billman , Teddy Voutour
IPC分类号： G06Q20/00 , G06Q20/20 , G06Q30/02
CPC分类号： G06Q20/20 , G06Q20/405 , G06Q30/02
摘要： A system, method, and computer-usable medium are disclosed for managing financial transactions by controlling the purchase of allowed and disallowed purchase items. A transaction control card is used to purchase a purchase item. Account information related to the transaction control card and purchase item data related to the purchase item is then processed to determine whether the purchase item is disallowed for purchase by any single, or combination of, disallowed purchase item data parameters.
摘要翻译：公开了一种系统，方法和计算机可用介质，用于通过控制购买允许和不允许的购买物品来管理金融交易。交易控制卡用于购买购买物品。然后处理与交易控制卡相关的帐户信息和与购买项目相关的购买项目数据，以通过任何单独的或不允许的购买项目数据参数的组合来确定购买项目是否被禁止购买。

2. 发明授权

US08820638B1 System and methods related to an available balance debit/credit card 有权
标题翻译：与可用的余额借记卡/信用卡相关的系统和方法
公开(公告)号：US08820638B1
公开(公告)日：2014-09-02
申请号：US11829838
申请日：2007-07-27
申请人： Judy Margaret Cotter , Reynaldo Medina, III
发明人： Judy Margaret Cotter , Reynaldo Medina, III
IPC分类号： G06K5/00 , G06K19/06 , G06Q40/00
CPC分类号： G06Q40/02 , G06K19/07749
摘要： A wirelessly updated consumer spending card includes a spending card housing, a memory module on the spending card housing, a processor module on the spending card housing in operable communication with the memory module, an output display on the spending card housing in operable communication with the processor, a transceiver on the spending card housing operable for wirelessly transmitting and receiving data across a metropolitan area in operable communication with the processor and display, and a power source on the spending card housing in operable connectivity to the memory, processor, transceiver and display. The card may further include a biometric input device on the spending card housing in operable communication with the processor.
摘要翻译：一种无线更新的消费支出卡包括消费卡外壳，消费卡外壳上的存储器模块，与存储器模块可操作地通信的消费卡外壳上的处理器模块，消费卡外壳上的输出显示器，其与处理器，可用于在与处理器和显示器可操作地通信的大都市区域上无线发送和接收数据的消费卡外壳上的收发器，以及消费卡外壳上的电源与可操作地连接到存储器，处理器，收发器和显示器。卡还可以包括与处理器可操作地通信的消费卡外壳上的生物特征输入设备。

3. 发明授权

US08391599B1 Systems and methods for adaptive binarization of an image 有权
标题翻译：用于图像自适应二值化的系统和方法
公开(公告)号：US08391599B1
公开(公告)日：2013-03-05
申请号：US12253278
申请日：2008-10-17
申请人： Reynaldo Medina, III
发明人： Reynaldo Medina, III
IPC分类号： G06K9/00 , G06K9/34 , G06K9/38
CPC分类号： G06K9/38 , G06K2209/01
摘要： A system for processing an image for binarization comprises at least one subsystem that breaks the image into multiple sub-images, at least one subsystem that generates a histogram for each sub-image, and at least one subsystem that determines optimal thresholding values for image binarization by statistical analysis of the histogram for each sub-image.
摘要翻译：用于处理用于二值化的图像的系统包括至少一个将图像分解成多个子图像的子系统，为每个子图像生成直方图的至少一个子系统以及确定用于图像二值化的最佳阈值的至少一个子系统通过统计分析每个子图像的直方图。

4. 发明授权

US08376222B1 Systems and methods to temporarily transfer funds to a member 有权
标题翻译：将资金暂时转入会员的制度和方法
公开(公告)号：US08376222B1
公开(公告)日：2013-02-19
申请号：US11929998
申请日：2007-10-30
申请人： Bradly Jay Billman , Reynaldo Medina, III , Benjamin Hunter Stotts
发明人： Bradly Jay Billman , Reynaldo Medina, III , Benjamin Hunter Stotts
IPC分类号： G06K5/00
CPC分类号： G06Q20/34 , G06K19/06 , G06Q20/06 , G06Q20/10 , G06Q20/28 , G06Q30/06
摘要： Systems, methods, and computer-readable media provide a time-limited monetary value to a member of an organization, using a member card or member icon, which may be issued by other than a bank or brokerage institution. In embodiments, the monetary value may be restricted to a single transaction and a maximum amount. In other embodiments, purchases of authorized goods and services may be controlled by corresponding product codes. A password or biometric may be used to authenticate the intended purchaser to the organization and/or merchant.
摘要翻译：系统，方法和计算机可读介质使用会员卡或会员图标向组织成员提供有时限的货币价值，会员卡或会员图标可能由银行或经纪机构以外的其他会员卡发行。在实施例中，货币价值可以限于单个交易和最大量。在其他实施例中，授权商品和服务的购买可以由相应的产品代码来控制。可以使用密码或生物特征来向组织和/或商家认证预期购买者。

5. 发明授权

US08365988B1 Dynamic credit card security code via mobile device 有权
标题翻译：动态信用卡安全码通过移动设备
公开(公告)号：US08365988B1
公开(公告)日：2013-02-05
申请号：US12101881
申请日：2008-04-11
申请人： Reynaldo Medina, III , Bradly Jay Billman
发明人： Reynaldo Medina, III , Bradly Jay Billman
IPC分类号： G06K5/00
CPC分类号： G06Q20/3226 , G06Q20/28 , G06Q20/322 , G06Q20/401 , G06Q20/4018
摘要： Systems, methods and computer readable media are disclosed for prioritizing tasks associated with a group of first users based on number of times the first 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 first users associated with a task, the importance of each first user associated with a task, and the way the task was identified.
摘要翻译：公开了系统，方法和计算机可读介质，用于基于第一用户监视任务的状态的次数来优先化与一组第一用户相关联的任务。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第一用户的数量，与任务相关联的每个第一用户的重要性以及该方式确定了任务。

6. 发明授权

US09129340B1 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 有权
标题翻译：用于通过增强图像检测进行远程存储捕获的设备，方法和系统
公开(公告)号：US09129340B1
公开(公告)日：2015-09-08
申请号：US12982494
申请日：2010-12-30
申请人： Reynaldo Medina, III , Bharat Prasad
发明人： Reynaldo Medina, III , Bharat Prasad
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/02 , G06K9/4642 , G06Q20/042 , G06Q20/0425 , G06Q20/1085 , G06T5/40 , G06T7/0081 , G06T2207/20132 , H04N5/225
摘要： The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.
摘要翻译：用于具有增强图像检测的远程存取捕获的装置，方法和系统（以下称为“RDC检测”）通过经由用户装置提交支票的拍摄图像来提供远程存储的平台，其中RDC检测转换捕获的检查图像， /或通过RDC检测组件输入检验存款信息输入到存款确认输出。例如，在一个实施例中，金融机构可以接收由扫描仪，照相机等捕获的检查图像，并处理检查图像以提取存储信息以处理存款请求。

7. 发明授权

US09058512B1 Systems and methods for digital signature detection 有权
标题翻译：用于数字签名检测的系统和方法
公开(公告)号：US09058512B1
公开(公告)日：2015-06-16
申请号：US11864569
申请日：2007-09-28
申请人： Reynaldo Medina, III
发明人： Reynaldo Medina, III
IPC分类号： G06K9/00 , G06Q20/40
CPC分类号： G06K9/00161 , G06K9/00449 , G06Q20/02 , G06Q20/0425 , G06Q20/4014 , G06Q40/00
摘要： A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.
摘要翻译：提供了一种系统，方法和计算机可读介质，以实现数字银行的认可。支票背面的数字图像可以被放置在计算机存储器中。可以确定银行认可的适当坐标。可能会自动生成银行代言。然后可以通过覆盖，合并或呈现所生成的银行背书的文本来电子地改变数字图像。修改的数字图像可以与检查的前侧的图像组合并存储和/或导出以检查清除操作。

8. 发明授权

US08744891B1 Systems and methods for dynamic business decision making 有权
标题翻译：动态商业决策的系统和方法
公开(公告)号：US08744891B1
公开(公告)日：2014-06-03
申请号：US11828982
申请日：2007-07-26
申请人： Reynaldo Medina, III
发明人： Reynaldo Medina, III
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q10/063 , G06Q10/06316 , G06Q30/02
摘要： A system comprises one or more modules to access a business rule, deconstruct the business rule into a condition and an associated action, determine a set of questions relevant to the condition, place the set of questions into a question queue, order the question queue, and present the question queue to a user. A system comprises one or more modules to determine a subject of the request received from a user, use the subject to obtain a set of relevant questions, examiner each question and determine whether an answer to a current question is available in a storage area, and present the current question when the answer is not available. A system comprises one or more modules to access a decision tree, determine a current node, determine an estimated number of nodes between the current node and a leaf node, and present a representation using the estimated number of nodes.
摘要翻译：系统包括访问业务规则的一个或多个模块，将业务规则解构为条件和相关联的动作，确定与条件相关的一组问题，将问题集合置于问题队列中，排序问题队列，并将问题队列呈现给用户。系统包括用于确定从用户接收到的请求的对象的一个或多个模块，使用对象获得一组相关问题，检查每个问题，并确定当前问题的答案在存储区域中是否可用，以及当答案不可用时提出当前的问题。系统包括访问决策树的一个或多个模块，确定当前节点，确定当前节点和叶节点之间的估计节点数，并使用所估计的节点数来呈现表示。

9. 发明授权

US08487875B1 Systems and methods for entering data into electronic device with minimally-featured keyboard 有权
标题翻译：使用最小功能键盘将数据输入电子设备的系统和方法
公开(公告)号：US08487875B1
公开(公告)日：2013-07-16
申请号：US11877981
申请日：2007-10-24
申请人： Reynaldo Medina, III
发明人： Reynaldo Medina, III
IPC分类号： G06F3/02
CPC分类号： G06F3/0236
摘要： A user has a computing device with a minimally-featured keyboard and a display and employs such keyboard to enter text characters into the device. The user commands the device to navigate to a text field, and the device actuates a character entry application to assist the user. The character entry application presents in the display one of a strip of characters and a character box of characters that can be scrolled through by the user to select a particular one of the characters. The user scrolls through the characters by way of first predetermined keys on the keyboard, and selects a scrolled-to character by way of a second predetermined key on the keyboard. Thereafter, the user views in the display a representation of the selected character in the text field.
摘要翻译：用户具有具有最低功能键盘和显示器的计算设备，并且使用这种键盘将文本字符输入到设备中。用户命令设备导航到文本字段，并且该设备致动字符输入应用以辅助用户。字符输入应用程序在显示字符串中的一个字符和可以由用户滚动以选择特定字符的字符的字符框中呈现。用户通过键盘上的第一预定键滚动字符，并且通过键盘上的第二预定键选择滚动字符。此后，用户在显示器中查看文本字段中所选字符的表示。

10. 发明授权

US08452689B1 Systems and methods of check detection 有权
标题翻译：检查检测系统和方法
公开(公告)号：US08452689B1
公开(公告)日：2013-05-28
申请号：US12388005
申请日：2009-02-18
申请人： Reynaldo Medina, III
发明人： Reynaldo Medina, III
IPC分类号： G06Q40/00
CPC分类号： G06K9/00442 , G06K9/32 , G06K9/38 , G06Q20/042
摘要： A digital image of a check may be divided into segments. The segments may be processed to determine the edges between the background data and the check data in the segments of the digital image. A histogram of each segment may be determined and used to determine the edges of the check image portions in the segments and thus the edges of the check. The data outside the edges of the check image portions in the segments may be considered to be background data and may be identified and/or removed. The segments, with the background data removed, may be recombined into an image of the check and provided into a digital image file that may be transmitted to an institution system for deposit of the check in an account.
摘要翻译：支票的数字图像可以被划分成多个段。可以处理段以确定数字图像的段中的背景数据和检查数据之间的边缘。可以确定每个片段的直方图并用于确定片段中的校验图像部分的边缘，从而确定片段的边缘。片段中的检查图像部分的边缘之外的数据可以被认为是背景数据，并且可以被识别和/或移除。将背景数据移除的片段可以重新组合成支票的图像并提供给数字图像文件，该数字图像文件可以传送到机构系统以将支票存入帐户。

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