| Patent application number | Description | Published |
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| 20090319424 | POSTAL MAIL DEPOSIT AGENCY - Apparatus and methods for electronically depositing a check in a bank account. In some embodiments, the apparatus and methods may involve a check identification module configured to analyze content of an electronically imaged postal mail item; and a customer control module configured to receive from a customer an instruction to deposit the check in the bank account. | 12-24-2009 |
| 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 |
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| 20090319473 | METHOD AND SYSTEM OF USING A LOCAL HOSTED CACHE AND CRYPTOGRAPHIC HASH FUNCTIONS TO REDUCE NETWORK TRAFFIC - The described method and system enables a client at a branch office to retrieve data from a local hosted cache instead of an application server over a WAN to improve latency and reduce overall WAN traffic. A server at the data center may be adapted to provide either a list of hashes or the requested data based on whether a hosted cache system is enabled. A hosted cache at the client side may provide the data to the client based on the hashes. The hashes may be generated to provide a fingerprint of the data which may be used to index the data in an efficient manner. | 12-24-2009 |
| 20090320099 | Content Retrieval - Content retrieval techniques are described. In an implementation, a determination is made as to whether a client is permitted to receive content requested by the client. When the client is permitted to receive the content, a communication is formed to be communicated via a wide area network that includes a hash list having a hash of each of a plurality of blocks of the content, each hash being configured to enable the client to locate a corresponding one of the blocks of the content via a local area network. | 12-24-2009 |
| 20090327505 | Content Identification for Peer-to-Peer Content Retrieval - Described is a technology in which client content requests to a server over a wide area network (WAN) are responded to with hash information by which the client may locate the content among one or more peer sources coupled to the client via a local area network (LAN). The hash information may be in the form of a segment hash that identifies multiple blocks of content, whereby the server can reference multiple content blocks with a single hash value. Segment boundaries may be adaptive by determining them according to criteria, by dividing streamed content into segments, and/or by processing the content based on the content data (e.g., via RDC or content/application type) to determine split points. Also described is content validation using the hash information, including by generating and walking a Merkle tree to determine higher-level segment hashes in order to match a server-provided hash value. | 12-31-2009 |
