Patent application number | Description | Published |
20140330708 | PAPER CHECK PROCESSING IN CONNECTION WITH BILL PAY REQUESTS - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 11-06-2014 |
20140330714 | PAPER PAYMENT RECEIPT, PROCESSING AND REAL TIME COMMUNICATION WITH PAYOR - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 11-06-2014 |
20140330715 | GRANULAR, USER-ACCESIBLE PAPER PAYMENT PROCESSING INDICATORS - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 11-06-2014 |
Patent application number | Description | Published |
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 |
20110131096 | TARGETED ENROLLMENT - Embodiments of the invention relate to apparatuses and methods for providing targeted product offers to customers. For example, in one embodiment, a first entity sends a targeted offer to certain customers. The first entity uses a second entity to perform a service related to the offer, such as an enrollment service. The first entity sends a candidate file to the second entity, where the candidate file includes a list of customers that qualify for the offer. The first entity authenticates the customer and, when the customer expresses interest in the targeted offer, the first entity forwards the customer to the second entity along with customer identifying information so that the second entity can perform the related service. The second entity then verifies whether the transferred customer qualifies for the offer by comparing the customer information to the candidate file. If verified, the second entity can perform the service related to the offer for the customer. | 06-02-2011 |
20130065556 | Multilevel Authentication - In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and store a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and store a second user credential, the second user credential, wherein the second user credential comprises a peripheral device identifier. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account. | 03-14-2013 |
20130067551 | Multilevel Authentication - In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and a second user credential, the second user credential, wherein the second user credential comprises user input data captured by a sensor. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account. | 03-14-2013 |
20130073461 | Processing a Payment Transaction Involving a Merchant Account and a Customer Account Associated with the Same Enterprise - In an exemplary embodiment, a method includes receiving a payment transaction comprising a customer account identifier and a merchant account identifier. A processor may determine whether the customer account identifier and merchant account identifier correspond to respective accounts associated with the enterprise. If the account identifiers each correspond to a respective account associated with the enterprise, the processing of the payment transaction is initiated at the enterprise and a notification that the enterprise initiates the processing of the payment transaction is sent. If the account identifiers do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed may be sent. | 03-21-2013 |
20130073462 | Processing a Payment Transaction From a Mobile Device - In an exemplary embodiment, a method includes receiving, from a mobile device, a payment transaction between a customer and a merchant. A customer account identifier and a merchant account identifier of the payment transaction may be determined. The method further includes communicating the customer account identifier to an enterprise to determine whether the customer account identifier corresponds to a customer account associated with the enterprise. If the customer account identifier and the merchant account identifier each correspond to a respective account associated with the enterprise, an indication that the enterprise initiates the processing of the payment transaction is received, and a notification that the payment transaction was processed is sent. If the customer account identifier and the merchant account identifier do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed is sent. | 03-21-2013 |
20130103583 | Universal Cash Account - According to one embodiment, an apparatus may include a memory and a processor. The memory may be operable to store a cash account associated with a cash value and a user. The processor may be operable to receive a request from the user to pay an amount from the cash account. The processor may determine, in response to the request, whether the amount exceeds the cash value associated with the cash account. The processor may then decrease the cash value associated with the cash account by the amount if the amount does not exceed the cash value of the cash account. The processor may then send a notification that includes the decreased cash value associated with the cash account. The apparatus may be associated with an enterprise and the enterprise may exclusively process the request. | 04-25-2013 |
20140330716 | PAPER PAYMENT PROCESSING ANALYTICS - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 11-06-2014 |
20140346096 | ROUTING OF AN UNKNOWN MAIL ITEM - Apparatus, methods, media and code for routing a mail item part are provided. A receiver may receive an image of the mail item part. A processor may decompose a segment of the mail item part into a string vector; quantify a first closeness between the string vector and a first library vector that corresponds to a first mail item part destination; and quantify a second closeness between the string vector and a second library vector that corresponds to a second mail item part destination; and link to the image routing information to route the mail item part to that of the first and second mail item part destinations that corresponds to the greatest of the first and second closeness. A transmitter may transmit the image to that of the first and second mail item part destinations that corresponds to the greatest of the first and second closeness. | 11-27-2014 |
20140350718 | CORRECTION OF CUSTOMER MAILING INFORMATION - Apparatus, methods, media and code for applying a mailing label are provided. The apparatus may include a mail receipt conveyor; a mail registration station that is configured to receive from the mail receipt conveyor a mail item that includes on an exterior surface of an envelope a printed message indicating that a customer name appearing on the mail item does not correspond to an address on the mail item; an imaging device that is configured to capture a delivery error segment of the surface; a processor device that is configured to identify an electronic mail address that corresponds to a customer name in the addressee segment of the surface; and a transmitter device that is configured to transmit to the email address an electronic form for electronically receiving a different address. | 11-27-2014 |
20140351158 | USE OF ORGANIZATION CHART TO DIRECT MAIL ITEMS FROM CENTRAL RECEIVING AREA TO ORGANIZATIONAL ENTITIES - Apparatus, methods, media and code for routing a mail item are provided. The apparatus may include a processor device; and machine readable memory. The processor device may be configured to: assign a unique destination identifier to an organizational entity; aggregate into an aggregate documents that were addressed to the entity and received by the entity; and store in the machine readable memory the unique destination identifier and a library that includes unique terms in the aggregate. | 11-27-2014 |
20140351159 | ROUTING FROM A MAIL SORTING ASSEMBLY SIMILARLY ADDRESSED MAIL ITEMS TO DIFFERENT DESTINATIONS - Apparatus, methods, media and code for routing mail items to different destinations. A driven mail conveyor may receive: a first mail item that includes a paper envelope displaying in an addressee segment an institution name and institution address information, the first mail item including a first part; and a second mail item that includes a paper envelope displaying in the addressee segment the institution name and the institution address information and no other institution address information, the second mail item including a second part. A processor may electronically route, based on a first text string vector of the first part, the first mail item to a first mail item destination in the institution; and, based on a second text string vector of the second part, the second mail item to a second mail item destination in the institution. | 11-27-2014 |
20140351160 | ROUTING DIFFERENT PARTS OF A MAIL ITEM TO DIFFERENT DESTINATIONS - Apparatus, methods, media and code for routing a mail item part are provided. A receiver device may electronically receive: an indication that a first mail item part of a mail item is a check; an indication that a second mail item part of a mail item is a payment coupon; and an indication that a third mail item part of a mail item is a message. A processor device may: route the first mail item part and the second mail item part to a first destination; and route the third mail item part to a second destination that corresponds to terms in the message. | 11-27-2014 |
20140351161 | ROUTING INCOMPLETE MAIL ITEMS - Apparatus, methods, media and code for routing a mail item are provided. A conveyor in mechanical communication with a mail item registration station may include a processor for registering a first part of the mail item. The processor may: determine that: the first part is a payment part; and a second part that corresponds to the first part is exceptional; identify a destination that corresponds to the first part; and route the first part to the destination along with an indication corresponding to the missing second part. | 11-27-2014 |
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 |
Patent application number | Description | Published |
20110249658 | PRESENCE-BASED COMMUNICATION ROUTING SERVICE AND REGULATION OF SAME - Systems, methods, and user interfaces are provided for customized communication routing and regulation thereof. The routing of an incoming communication to a device, wireless or wireline, is based on a routing preference and a presence condition of a mobile device in a home or visited wireless environment served by a confined-coverage access point (AP). The routing preference can be configured for a device that operates in the home or visited wireless environment. The confined-coverage AP can be owned or leased by a subscriber associated with the incoming call or by a third party. Provisioning of routing of incoming call based on a third-party confined-coverage AP can be event-based. Add-on services can be provisioned and configured; screening of incoming call(s) based on screening rule(s) specific to an confined-coverage AP is provided. Customized communication routing to equipment that operates in a confined-coverage area served by a third-party confined-coverage AP can be cancelled. | 10-13-2011 |
20110250895 | COMMUNICATION ROUTING BASED ON PRESENCE IN A CONFINED WIRELESS ENVIRONMENT - System(s), method(s) and user interfaces are provided to route an incoming communication (e.g., a voice call, a data call) to a wireless devices or a wireline device, based in part on at least one routing preference and a presence condition of a mobile device in a confined wireless environment served by a confined-coverage access point (AP). The at least one routing preference is subscriber-specific and configurable by the subscriber linked to the mobile device, whereas the presence condition reveals if the mobile device is attached to the confined-coverage AP and is automatically detected. A routing server acquires the at least one routing preference and the presence condition for the mobile device. Based on routing logic applied to the at least one routing preference and the presence information, the routing server directs the incoming communication to a set of wireline devices, a set of wireless devices, or a combination thereof. | 10-13-2011 |
20140287767 | PRESENCE-BASED COMMUNICATION ROUTING SERVICE AND REGULATION OF SAME - Systems, methods, and user interfaces are provided for customized communication routing and regulation thereof. The routing of an incoming communication to a device, wireless or wireline, is based on a routing preference and a presence condition of a mobile device in a home or visited wireless environment served by a confined-coverage access point (AP). The routing preference can be configured for a device that operates in the home or visited wireless environment. The confined-coverage AP can be owned or leased by a subscriber associated with the incoming call or by a third party. Provisioning of routing of incoming call based on a third-party confined-coverage AP can be event-based. Add-on services can be provisioned and configured; screening of incoming call(s) based on screening rule(s) specific to an confined-coverage AP is provided. Customized communication routing to equipment that operates in a confined-coverage area served by a third-party confined-coverage AP can be cancelled. | 09-25-2014 |
Patent application number | Description | Published |
20110075657 | SYSTEM AND METHOD OF PROVIDING MULTIMEDIA COMMUNICATION SERVICES - In a particular embodiment, a method of providing multimedia communication services includes receiving, at an intelligent service switch (ISS) of an integrated wireline-wireless (IWW) network, a service request from a wireline communication device. The method includes receiving contextual information associated with the service request, the contextual information including a time of the service request, a range of times of the service request, a day of the service request, a range of days of the service request, a date of the service request, a range of dates of the service request, a location of the wireline communication device, a type of the wireline communication device, or a combination thereof. At least one multimedia communication service is provided to the wireline communication device. The at least one multimedia communication service includes audio entertainment content, news content, weather content, traffic content, securities market content, sports content, financial content, local business location content, local event schedule content, network address book content, calendar content, appointment content, map content, call log content, or a combination thereof. | 03-31-2011 |