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8185471 |
Integrated payment receiving and processing system
Systems, methods, and computer program products are provided for integrating a mail receiving process with a payment processing system. Embodiments of the invention include a capture device...
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8185457 |
Transaction risk analyzer
Methods and systems are disclosed for automatically identifying and managing potentially fraudulent transactions without adversely impacting legitimate customers. In one implementation, the methods...
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8184893 |
Enhanced note processing
Techniques and systems are disclosed to perform, in some examples, the steps of receiving a note or an image of a note, imaging at least a portion of the note, determining a value of at least one...
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8172130 |
Automated banking machine that operates responsive to data bearing records
A system controlled responsive to a data bearing record includes a card reader that is operative to read data from user cards including identifying data, and to authorize operation of an automated...
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8175963 |
Methods and systems for accepting offers via checks
In accordance with one or more embodiments, a method and system are provided for facilitating the processing of at least one check in accordance with an offer which the account holder may accept,...
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8175623 |
Platform for managing mobile domains and keyword-activated applications
A mobile domain platform for subscribers (e.g. businesses, institutions, advertising agencies, partners, providers, individuals, and enterprises) to offer a text message based campaign to new or...
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8165381 |
Method and system for transaction decision making
According to one embodiment, the present invention relates to a method and a system for transaction decision making. According to an exemplary embodiment, a method and system for processing payment...
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8160945 |
System and method for enhancing financial institution revenues through acceleration of debit processing
A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions,...
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8155425 |
Automated check detection and image cropping
A method of locating a check image region within a document image comprising the steps of locating a MICR region of the check and calculating the top of the check relative to the MICR region.
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8150771 |
Automatic check reordering
Various embodiments are directed to computer implemented methods of automatically reordering checks for an account utilizing checks. The methods may comprise determining a number of checks written...
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8150770 |
System and method for reordering checks
A method for reordering checks for a customer is disclosed. The method includes ordering a first quantity of checks for the customer, tracking usage of the first quantity of checks, and ordering a...
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8136721 |
Enhanced check code line image capture for improved OCR
A method for enhancing a check code line image of a captured document such as a bank check. The method includes capturing an electronic image of a document; locating a code line region within the...
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8140434 |
System for making funds available for gaming
A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow...
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8126807 |
Control features in a system and method for processing checks and check transactions
A method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are...
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8126808 |
System and method for processing checks and check transactions
A method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are...
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8126809 |
Method and system for processing financial instrument deposits physically remote from a financial institution
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to...
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8118216 |
Method and system for discovering significant subsets in collection of documents
A method (and system) of discovering a significant subset in a collection of documents, includes identifying a set of documents from a plurality of documents based on a likelihood that documents in...
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8121950 |
Method of processing a check and an apparatus therefor
A device captures an image of a check having a payee and/or a payor field. Payee data and/or payor data contained in the payee field and/or the payor field is extracted from the captured image....
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8121951 |
Check clearing systems
A system and process for more efficiently clearing checks by transmitting MICR line data together with a URL link to facilitate check clearing via electronic debits by an ACH. The URL link can be...
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8121385 |
System and method for generating magnetic ink character recognition (MICR) testing documents
A system and method for accessing data to generate documents for use in MICR line testing. The system comprises a MICR testing station for testing MICR processing. The MICR testing station...
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8112357 |
Systems and methods for preventing duplicative electronic check processing
Preventing duplicate ICL files and/or ICL file elements, including duplicate ICLs, items, and item bundles, from being processed for payment and/or presentment. A duplicate detection module can...
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8112337 |
Method and system for clearing financial instruments
A method and system for electronically clearing financial instruments may include receiving electronic files of items containing data scanned from financial instruments including an amount of each...
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8103084 |
Document processing system using full image scanning
A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill...
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8103565 |
Method and system for enabling a life insurance premium loan
A loan is secured by insurance policy collateral between a lender, borrower with the insurance policy, and an intermediary. The intermediary establishes a securities account and holds the insurance...
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8094946 |
Image processing system and image tampering assessment method and control program of the same
The present invention provides an image processing system, which can reduce calculation time by alleviating a calculation load in assessing the occurrence of tampering of an image. For example, the...
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8078517 |
Systems and methods for monitoring remittances for reporting requirements
Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction...
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8078533 |
Systems and methods for monitoring remittances for reporting requirements
Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction...
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8074871 |
Methods and systems for validating negotiable instruments
Methods and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second...
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8078539 |
Method and system for sorting checks according to a priority order associated with the account number
An improved check sorting system capable of ordering cancelled checks for a plurality of accounts in a predetermined manner other than by account number is provided. Checks are ordered according to...
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8060426 |
Transfer instrument
A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an...
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8060442 |
System and method for MICR-based duplicate detection and management
A system and method for MICR-based duplicate detection and management identifies duplicate presented items on day one across a plurality of payment channels, prior to posting, preventing them from...
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8059881 |
Check image processing
Systems for processing digital check image files include an image classification module programmed to review a plurality of attributes associated with a digital check image file including at least...
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8052040 |
Negotiable instrument with fraud protection
A negotiable instrument with fraud and identity theft protection and method of use is provided. The method includes step accepting a negotiable instrument having a pre-printed bar code, reading the...
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8046301 |
Systems and methods to modify a negotiable instrument
When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the...
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8041640 |
Method and system for account verification
A system and method for verifying the existence of a deposit account, such as a checking account, are provided. The system and method may also be used to determine whether the deposit account is...
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8041098 |
Document processing system using full image scanning
A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill...
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RE42820 |
Bank deposit method
According to the present invention, a business is issued a deposit card readable on a debit card reader enabling the business to transmit deposit information to its bank or financial institution...
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8032462 |
Electronic image cash letter balancing
Balancing image cash letters (“ICLs”) and ICL items during electronic check processing includes determining whether each item has been presented to a receiving institution for payment. A tra...
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8027893 |
News induced automated electronic securities transactions
News information is received. It is determined if the news information contains a reference to a company. It is further determined if the news information matches criteria associated with the...
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8027890 |
Methods and systems for processing a financial transaction
A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on...
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8020757 |
Multiple financial institution automated teller machine apparatus, system and method for using same
An apparatus, system and method for providing to a network of ATMs (10) the ability to transact business in connection with several financial institutions (30, 40) using each financial...
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8023718 |
Method and system for linking front and rear images in a document reader/imager
A method for linking front and rear images in a document processing system involves linking the front and rear images by a magnetic ink character code line. The document processing system includes...
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8010454 |
System and method for preventing fraud in check orders
A system and method for processing paper check orders. The system comprises client storage capable of storing client information including data from previous paper check orders, suspect check order...
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7997478 |
Check processing method, check processing program medium, and check processing apparatus
Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically...
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8001051 |
Systems and methods to modify a negotiable instrument
When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the...
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8000514 |
Methods for mobile image capture and processing of checks
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with...
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7992781 |
Merchant alerts incorporating receipt data
One embodiment of the invention is directed to a method comprising receiving an authorization request message for a transaction conducted by a consumer with a merchant, sending the authorization...
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7996312 |
System and method for image based electronic check presentment
A method and system for processing electronic check presentment (ECP) data and check image data, where the check image data is transmitted electronically, either with the ECP data or separately....
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7996315 |
Systems and methods to modify a negotiable instrument
When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the...
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7996316 |
Systems and methods to modify a negotiable instrument
When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the...
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