| Patent application number | Description | Published |
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| 20080294514 | SYSTEM AND METHOD FOR REMOTE DEPOSIT CAPTURE AND CUSTOMER INFORMATION GATHERING - A system and method for integrated remote deposit capture and customer information gathering on a merchant's workstation where a plurality of checks are received from customers of the merchant and an image of each check is captured. Each check image is interrogated using image recognition software. A customer name and address on each check are identified. A list containing each identified customer name and address is created at the merchant's workstation and the list is stored. The list is useable by the merchant for marketing or gathering customer information where the customer information may include demographics of the customers. The customer information may also be used to identify checks from the same customer to determine a customer frequency useable to identify repeat customers. The list may be stored in a database. The marketing may include sending marketing materials from the merchant to the customers on the list. | 11-27-2008 |
| 20090092309 | ENSURING IMAGE INTEGRITY USING DOCUMENT CHARACTERISTICS - Image integrity in an archive can be verified using document characteristics. Embodiments of the invention provide a way to verify the integrity of a stored document image by determining document characteristics, which can also be embedded in the image file. Before allowing access to the image file by an application, the characteristics data from an image analysis can be compared to either or both of, characteristics information otherwise stored, or embedded characteristics data. The embedded data can optionally be encrypted. In example embodiments the data can include a result of an optical character recognition of contents of the document, a length of data describing the image, a percentage of a specified color of pixels in the image, or a checksum. Example embedding techniques can include those making use of a tagged image file format (TIFF) header, a steganographic watermark, or an image artifact. | 04-09-2009 |
| 20090164390 | SYSTEMS AND METHODS FOR ALTERING MAIL ROUTING, MAIL PROCESSING, AND/OR MODE OF DELIVERY - The present invention provides systems, methods, and computer program products for altering delivery of a piece by altering either the delivery address, mode of processing, and/or the mode of delivery. The invention provide an indicia associated with the piece of mail including instructions that are at least one of a different delivery address, mode of processing, or a mode of delivery than that originally designated for the piece of mail. During mail sorting and processing, the indicia associated with the piece of mail are analyzed. Either the delivery address, mode of processing, and/or mode of delivery currently associated with the piece of mail are altered to conform with the delivery address, mode of processing, and/or mode of delivery indicated by the indicia. In some embodiments, the indicia is altered by on a business parameter, such as a monetary value associated with the contents of the piece of mail. | 06-25-2009 |
| 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 |
| 20100049642 | ONLINE BILLPAY ATTACHMENTS - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. | 02-25-2010 |
| 20100049643 | ONLINE BILLPAY MEMO DATA - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. | 02-25-2010 |
| 20100223165 | FINANCIAL TRANSACTION ANNOTATIONS - Embodiments of the invention relate to systems, methods, and computer program products for annotating financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a processor. In one embodiment, the memory device includes information regarding a plurality of bank accounts stored therein, and the processing device is configured to receive an indication of a transaction involving a first bank account stored in the memory device, send a request for ancillary information about the transaction to a party associated with the first bank account, receive ancillary information, such as a photograph of a product purchased in the transaction, from the party associated with the first bank account, and associate, in the memory device, the received ancillary information with the transaction. | 09-02-2010 |
| Patent application number | Description | Published |
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| 20080301441 | Secure Channel For Image Transmission - Systems, devices, and methods for establishing a secure session for the transmission of data from an input device to a remote server device is disclosed. The input device may be an electronic check scanner attached to a banking customer's home personal computer. The customer may visit a bank's Internet website using the web browser or other application on their personal computer, and then submit scanned images of check to the bank. The bank, however, to ensure security and prevent fraud, may wish to establish a secure session between the devices and components in the system before the image data may be scanned and transmitted. | 12-04-2008 |
| 20080307233 | Encoded Data Security Mechanism - A method and system for securing and tracing confidential data is described. A request to generate a hardcopy printout is received by a computing device. Document output instructions for the request then are generated and data to associate with the document output instructions is determined. Then the determined data is encoded with the generated document output instructions. The encoded data includes information specific to a terminal device associated with the request and an identifier representative of a starting position for reading the encoded data. One ore more software modules within a terminal device, an intermediate server, and/or a printer may perform the operation of encoding the data. A hardcopy printout includes the content requested to be printed in addition to the encoded data. The encoded data may appear as representations of noise on one or more pages of the hardcopy printout. | 12-11-2008 |
| 20090148025 | 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 field indicated by a predetermined identifier of the note through character and mark recognition, and storing information regarding the note in a memory. The information regarding the note that may be stored in a memory may be forwarded to a regulatory agency or an external entity for reporting or record-keeping. | 06-11-2009 |
