Patent application number | Description | Published |
20100211422 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR STANDARDIZATION OF PAYMENT REQUESTS TO FACILITATE COMPREHENSIVE PAYMENT HUB PROCESSING - 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. | 08-19-2010 |
20100211483 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MANAGING PAYMENT PROCESSES IN A COMPREHENSIVE PAYMENT HUB SYSTEM - 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. | 08-19-2010 |
20100211495 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR IMPROVING FOREIGN CURRENCY EXCHANGE IN A COMPREHENSIVE PAYMENT HUB SYSTEM - 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. | 08-19-2010 |
20100211499 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR OPTIMIZING ROUTING OF FINANCIAL PAYMENTS - Systems, methods, and computer program products are provided for optimizing routing of financial payments by determining routing on a per-payment transaction basis based on one or more routing rules. The routing rules take into account payment factors such as, but not limited to, cost of payment processing, time for payment processing, risk/quality of payment processing, remittance requirements and/or the destination of the payment. From the payor or payee perspective, payor-defined or payee-defined payment attributes associated with these or other payment factors can be predefined in a payor/payee profile or dynamically defined proximate to the time at which the payment request is initiated. In this regard, present embodiments serve to create a payment process that is beneficial, in terms of cost, timeliness, quality and the like, to both the payor, the payee and financial institution handling payment processing. | 08-19-2010 |
20110208588 | FINANCIAL TRANSACTION DATA PROFILE - Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile. | 08-25-2011 |
20110213724 | COMMUNITY HUB REVIEW - 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. | 09-01-2011 |
20110251956 | SYSTEM AND METHOD FOR CORRESPONDENT BANK CUSTOMER ATM TRANSACTION PROCESSING - 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. | 10-13-2011 |
Patent application number | Description | Published |
20100170945 | CHECK CARRIER - The check carrier consists of an envelope of translucent material that is dimensioned to closely conform to the dimensions of a standard check. The back of the check carrier includes an endorsement window through which a bank or other financial institution can apply its endorsement stamp directly to the check. The bottom of the check carrier may be provided with an area for receiving the MICR printing such that the MICR can be read directly off of the carrier. The MICR area can be removed. The open end of the check carrier can be sealed closed using a repositionable adhesive. The adhesive can also be used interior of the check carrier such that the adhesive contacts the check to fix the check within the carrier. | 07-08-2010 |
20140037182 | IMAGE CHECK CONTENT ESTIMATION AND USE - 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. | 02-06-2014 |
20140040141 | USE OF CHECK-FACE META-DATA FOR ENHANCED TRANSACTION PROCESSING - A computer-readable media storing computer-executable instructions for using a check deposit device to process a check is provided. The method derives meta-data from the check. The check deposit device may use an image receiver device to obtain a check image from the check. The method may use the processor to define a plurality of check segments within the check image. The processor device may obtain content from each of the plurality of check segments. The processor device may be store the content of each of the check segments in a machine readable memory and may utilize a transmitter to transmit the content from the plurality of check segments to a check-clearance engine. The check deposit device may receive from the check-clearance engine, in response to the transmission of the portion of the content from the plurality of check segments, an indication of the sufficiency of funds in an account. | 02-06-2014 |
20140046841 | DISTRIBUTED PROCESSING OF A CHECK IMAGE - Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions. | 02-13-2014 |
20140052697 | CORRECTION OF CHECK PROCESSING DEFECTS - 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. | 02-20-2014 |
20140095379 | Payments Perfection And Processing System - Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application. | 04-03-2014 |
20140355865 | IMAGE OVERLAY FOR DUPLICATE IMAGE DETECTION - Embodiment for detecting duplicate images include systems for determining that two or more of the images have similar key attributes such as attributes related to certain data in the images or image quality. Further, the embodiments include superimposing at least a portion of a first image of the two or more images over at least a portion of the second image of the two or more images, comparing the first image and second image; and determining whether the first image and the second image are identical. | 12-04-2014 |
20150066750 | Payments Perfection and Processing System - Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application. | 03-05-2015 |
Patent application number | Description | Published |
20120197675 | AUTOMATED CONTROL PLAN - Embodiments of the present invention provide apparatuses and methods for automatic control plan monitoring. Users can enter the steps of the business process that requires monitoring, the metrics that the user wants to track for a specific control plan, the control limits for the metrics, and/or the location where the metric data can be captured. Thereafter, an automated control plan captures the data and provides customized dashboards so that users can track the metrics associated with the control plan from the beginning of the process until the end, as well as make comparisons of the process over time. Furthermore, notification alerts can be set that alert the proper employees within the business when the control plan is outside of the control plan limits. | 08-02-2012 |
20140195346 | TRANSACTION EXCEPTION-BASED FINANCIAL PRODUCT OFFERS - Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved. | 07-10-2014 |
20140195395 | DIFFERENTIATED SERVICE LEVELS FOR EXCEPTION PROCESSING OF FINANCIAL TRANSACTIONS - Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved. | 07-10-2014 |
20140195396 | ACTIONABLE EXCEPTION ALERTS - Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved. | 07-10-2014 |
Patent application number | Description | Published |
20100030543 | Products and processes for modulating peptide-peptide binding domain interactions - The present invention relates to therapeutic compounds and methods of use of these therapeutic compounds for treating cellular proliferative disorders. The invention also provides three-dimensional structures of a Polo-like kinase and methods for designing or selecting small molecule inhibitors using these structures, and the therapeutic use of such compounds. The invention also includes a method for identifying novel phosphopeptide-binding domains. | 02-04-2010 |
20100311807 | METHODS FOR IDENTIFYING DIABETES AND OBESITY THERAPEUTICS - The invention relates to inhibition of Par-1b kinase activity for treating disorders including diabetes and obesity. The invention also relates to screening for compounds or compositions that inhibit the kinase activity of Par-1b protein, which compounds and compositions are useful in the treatment of diabetes and obesity, as well as preparing compounds for treatment of diabetes and obesity. | 12-09-2010 |
20110046083 | ACTIVATORS OF PYRUVATE KINASE M2 AND METHODS OF TREATING DISEASE - The invention described herein features methods, compositions, and kits for the use of activators of PKM2 for the treatment, prevention, or amelioration of diseases related to PKM2 function, including, e.g., cancer, diabetes, atherosclerosis, restenosis, obesity, autoimmune disorders, and proliferative disorders. | 02-24-2011 |
20110104713 | PRODUCTS AND PROCESSES FOR MODULATING PEPTIDE-PEPTIDE BINDING DOMAIN INTERACTIONS - The present invention relates to therapeutic compounds and methods of use of these therapeutic compounds for treating cellular proliferative disorders. The invention also provides three-dimensional structures of a Polo-like kinase and methods for designing or selecting small molecule inhibitors using these structures, and the therapeutic use of such compounds. The invention also includes a method for identifying novel phosphopeptide-binding domains. | 05-05-2011 |
20120122991 | METHOD FOR TREATING CANCER BY INCREASING AMP-ACTIVATED KINASE ACTIVITY - The invention relates to modulation of LKB1 or AMP kinase protein activity for treating disorders including diabetes and cancer. The invention also relates to screening for agents that modulate the activity of LKB1 or AMP kinase protein, which are useful in the treatment of diabetes and cancer, as well as preparing compounds for treatment of diabetes and cancer. | 05-17-2012 |
20120225870 | METHODS FOR TREATING CANCER RESISTANT TO ERBB THERAPEUTICS - Provided herein are methods for treating cancer that is resistant to treatment with an anti-ErbB therapeutic agent and which is associated with an activating MET gene mutation or a MET gene amplification. The methods involve administering to a subject a combination of an anti-ErbB therapeutic and an anti-MET therapeutic. Also provided are methods for reducing ErbB mediated signaling or PI3 kinase mediated signaling in a cancer cell. | 09-06-2012 |
20130203618 | METHODS AND COMPOSITIONS FOR THE DIAGNOSIS AND TREATMENT OF CELLULAR PROLIFERATIVE DISORDERS - The present invention features methods and compositions for the diagnosis, prognosis, treatment, and/or amelioration of cellular proliferative disorders utilizing enzymes of the serine biosynthetic pathway (e.g., phosphoglycerate dehydrogenase (PHGDH), phosphoserine aminotransferase (PSAT), or phosphoserine phosphatase (PSPH)). | 08-08-2013 |
20130316385 | METHODS AND COMPOSITIONS FOR CELL-PROLIFERATION-RELATED DISORDERS - Methods and compositions for treating and evaluating subjects having a neoactive mutation at residue 97 of IDH1 or 137 of IDH2. | 11-28-2013 |
20140080893 | MODULATION OF PHOSPHATIDYLINOSITOL-5-PHOSPHATE-4-KINASE ACTIVITY - The invention features methods for identifying compounds that modulate the activity of phosphatidylinositol 5-phosphate 4-kinase (PI5P4K) Inhibitors of PI5P4K can be used in, for example, the treatment or prevention of cell proliferation dis orders (e.g., the prevention of tumor cell growth in p53 mutated cancers). | 03-20-2014 |
20140235630 | COMPOSITIONS AND METHODS FOR THE TREATMENT OF PROLIFERATIVE DISEASES - The present invention relates to pharmaceutical compositions that contain PI3K inhibitors (e.g., PBKa-specific inhibitors) and PARP inhibitors. The invention also provides methods for the treatment of proliferative diseases such as cancer (e.g., breast cancer) by administering the composition(s) to a subject. | 08-21-2014 |