Patent application number | Description | Published |
20080247629 | SYSTEMS AND METHODS FOR CHECK 21 IMAGE REPLACEMENT DOCUMENT ENHANCEMENTS - The present invention provides enhanced processing of Check 21 items using an electronic payment system (EPS) to capture metadata instructions. The metadata includes instructions regarding an intended payment to a payee, and can be generated through a truncation process and optical character recognition, directly from a digitally originated check, and the like. The metadata is stored in a database or the like for further processing instead of printing a paper check. In various exemplary embodiments, the present invention provides a capability to print Image Replacement Documents (IRDs) compliant to Check 21 regulations from the metadata. Further, these IRDs can include enhanced features as described herein. | 10-09-2008 |
20080249931 | ELECTRONIC PAYMENT SYSTEMS AND METHODS UTILIZING DIGITALLY ORIGINATED CHECKS - The present invention provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The EPS is operable to clear the DOC through either paper or electronic Check 21 mechanisms. | 10-09-2008 |
20080249951 | SECURITY SYSTEMS AND METHODS FOR DIGITAL PAYMENTS - The present invention provides security mechanisms for digital payments, such as a digitally originated check (DOC). The security mechanisms prevent fraud, tampering, counterfeiting, and the like of a digital payment. In an exemplary embodiment, the present invention utilizes an electronic payment system (EPS) to provide DOCs which can be utilized as Check 21 items, and which include the security mechanisms described herein to provide superior security over existing paper check-based mechanisms. | 10-09-2008 |
20090094148 | SYSTEMS AND METHODS USING PAPERLESS CHECK 21 ITEMS - The disclosure describes a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. | 04-09-2009 |
20100161466 | ELECTRONIC LOCKBOX USING DIGITALLY ORIGINATED CHECKS - The present disclosure provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. The present invention enables both payors and payees to participate with the EPS as well as the EPS may provide electronic lock box services to payees. The DOC may be used in an electronic lockbox application where in addition to the payment information; the DOC further includes remittance data that may be used to update accounting systems or the like. | 06-24-2010 |
20100179940 | REMOTE DATA COLLECTION SYSTEMS AND METHODS - The present disclosure provides remote data collection systems and methods for retrieving data including financial, sales, marketing, operational and the like data from a plurality of databases and database types remotely over a network in an automated, platform-agnostic manner. The present invention is designed to work across a plurality of LOB applications, database vendors and business models or businesses, as well as business infrastructure (various PCs, embedded devices and POS devices) and business processes while still providing the centralized ability to automatically collect data from multiple remote business sites. The present invention includes one or more central servers communicating with a plurality of remote data collection agents. The remote data collection agent is designed to overcome existing requirements or limitations as it is able to automatically collect remote data from a wide range of businesses, as well as multiple LOB applications while connecting to multiple databases vendors and formats. | 07-15-2010 |
20130103578 | ENHANCED CUSTOMER INTERACTION CHANNEL SYSTEMS AND METHODS - A computer-implemented method, a server, and a computer use an enhanced customer interaction channel based on a predetermined payment key associated with a specific company and location. The predetermined payment key uniquely identifies the specific company and location and enables the enhanced customer interaction channel based on existing payment processing systems. The specific company may use the enhanced customer interaction channel to reach customers who were previously unknown to the specific company for a variety of purposes such as rewards, coupons, offers, product information, and the like. | 04-25-2013 |
20130138563 | SYSTEMS AND METHODS FOR PREPAID MERCHANT PAYMENT SERVICES - A computer implemented method, a system, and software provides a new processing origination model allowing a new 6 | 05-30-2013 |
20130173539 | REMOTE DATA COLLECTION SYSTEMS AND METHODS USING READ ONLY DATA EXTRACTION AND DYNAMIC DATA HANDLING - Remote data collection systems and methods retrieve data including financial, sales, marketing, operational and the like data from a plurality of databases and database types remotely over a network in an automated, platform-agnostic manner. A remote data collection system includes a network interface, a connection to a data source, a processor communicatively coupled to the network interface and the connection, and memory storing instructions for remote data collection that, when executed, cause the processor to: receive a request to extract data from the data source; extract the data in a non-intrusive manner from the data source using a two phase process comprising a reconciliation phase and a collection phase; and transmit one of an entire set and a subset of the extracted data based on the request. | 07-04-2013 |
20140040182 | SYSTEMS AND METHODS FOR COLLECTION AND CONSOLIDATION OF HETEROGENEOUS REMOTE BUSINESS DATA USING DYNAMIC DATA HANDLING - Remote data collection systems and methods retrieve data including financial, sales, marketing, operational and the like data from a plurality of databases and database types remotely over a network in an automated, platform-agnostic manner. An Extract Transform and Load (ETL) data replication method for Chart of Account (COA) standardization includes receiving a request for remote data collection to extract data from a data source; extracting data in a non-intrusive manner from the data source, wherein the data comprises non-standard COA data; and transforming one of an entire set or a subset of the extracted data based on the request based on a template or a standardized form desired for comparisons. | 02-06-2014 |
20140114759 | ENHANCED CUSTOMER INTERACTION CHANNEL SYSTEMS AND METHODS - A computer-implemented method, a server, and a computer use an enhanced customer interaction channel based on a predetermined payment key associated with a specific company and location. The predetermined payment key uniquely identifies the specific company and location and enables the enhanced customer interaction channel based on existing payment processing systems. The specific company may use the enhanced customer interaction channel to reach customers who were previously unknown to the specific company for a variety of purposes such as rewards, coupons, offers, product information, and the like. | 04-24-2014 |