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 |
20120030104 | PROCESSING IMAGES ASSOCIATED WITH THE REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) determining that a first portion of the image is satisfactory for identifying deposit item information therein; (c) determining that a second portion of the image is unsatisfactory for identifying deposit item information therein; and (d) performing a function based at least partially on the determining that the second portion of the image is unsatisfactory for identifying deposit item information therein. In some embodiments, the function includes enhancing the second portion of the image. In other embodiments, the function includes prompting a user of the remote capture device to capture a second image to replace the second portion of the image. | 02-02-2012 |
20120030117 | REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information. | 02-02-2012 |
20120030118 | REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS USING A GRID - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) displaying a grid on a display associated with a remote capture device, where the remote capture device is configured to capture an image that shows multiple deposit items, and where the grid comprises a plurality of grid portions; and (b) prompting a user of the remote capture device to arrange the multiple deposit items, or to position or operate the remote capture device, such that each of the deposit items in the multiple deposit items appears in a single grid portion of the display before the image is captured. | 02-02-2012 |
20120177281 | MOBILE COMMUNICATION DEVICE-BASED CHECK VERIFICATION - Embodiments of the invention provide for mobile communication-based verification of the validity of negotiable checks. By verifying the validity of checks on a mobile communication device, the systems and methods provide for on-the-fly check verification regardless of where and/or at what time the check-related transaction occurs. The systems and methods validate the check in terms of insuring that the check is not fraudulent and, in some instances, providing certainty to the payee that the requisite funds currently exist in the related checking account. Additionally, the systems and methods provide for an efficient and readily identifiable means of conveying the outcome of the check verification process. | 07-12-2012 |