Patent application number | Description | Published |
20140037182 | IMAGE CHECK CONTENT ESTIMATION AND USE - Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine. | 02-06-2014 |
20140046841 | DISTRIBUTED PROCESSING OF A CHECK IMAGE - Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions. | 02-13-2014 |
20140052697 | CORRECTION OF CHECK PROCESSING DEFECTS - Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data. | 02-20-2014 |
20140233830 | REDUCING IMAGE SIZE AT POINT OF CAPTURE - Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an image of a check; generate a thumbnail version of the image, wherein the thumbnail version of the image is generated immediately after receiving the image; link the image with the thumbnail version of the image; store the image and the thumbnail version of the image, wherein the thumbnail version of the image is stored for a longer period of time than the image. | 08-21-2014 |
20140233832 | STORE IMAGES AT POINT OF CAPTURE - Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an unprocessed image of a check; store the unprocessed image, wherein the unprocessed image is accessible to an agent associated with the apparatus and is not accessible to a user of an account associated with the check; process the unprocessed image to create a processed image; store the processed image, wherein the processed image is accessible to the agent and is accessible to the user. | 08-21-2014 |
20140233833 | BULK IMAGE RETRIEVAL - Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive, from a second apparatus, at least one request to retrieve an image of a first check and a second check; retrieve a first thumbnail version of the image of the first check; retrieve a second thumbnail version of the image of the second check; generate a document comprising the first thumbnail version and the second thumbnail version; transmit the document to the second apparatus. | 08-21-2014 |
20140233835 | SYSTEMS AND METHODS FOR RECREATING AN IMAGE USING WHITE SPACE AND CHECK ELEMENT CAPTURE - Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database. | 08-21-2014 |
20140233837 | SYSTEMS AND METHODS FOR STORING IMAGE PROPERTIES FOR RECREATING AN IMAGE - Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database. | 08-21-2014 |
20140330789 | RULE-BASED ARCHIVAL MAINTENANCE - Embodiments of the invention relate to systems, methods, and computer program products for rule-based maintenance of an archive. In some embodiments, a system is provided that includes: a computing platform including a processor and a storage device, a database comprising rules relating to maintenance of information stored in an archive, a software module stored in the storage device comprising executable instructions that when executed by the processor cause the processor to: (a) receive information related to at least one event; (b) compare the information related to the at least one event to the rules relating to maintenance of information stored in the archive; and (c) determine whether to update information stored in an archive based at least partially on the comparison of the information related to the at least one event and the rules relating to maintenance of information stored in the archive. | 11-06-2014 |
20140358863 | TIERED-ARCHIVE MAINTENANCE - Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for managing a tiered archive. In some embodiments, a method is provided that includes: (a) providing an archive having two or more tiers for storing data, where each of the two or more tiers is assigned an image quality value, and wherein the image quality value assigned to each of the two or more tiers of the archive is different; (b) managing the archive based on a schedule for managing the data or on one or more rules, wherein managing the archive comprises: (1) storing data in a first of the two or more tiers based on the image quality value assigned to the first tier; and (2) storing data in a second of the two or more tiers based on the schedule and the image quality value assigned to the second tier. | 12-04-2014 |
20140365277 | RETROACTIVE DOCUMENT RETENTION, REPORTING AND PRICING DETERMINATION - Embodiments of the invention relate to systems, methods, and computer program products for providing retroactive document retention service. In some embodiments, a system is provided that includes: a computing platform including a processor and a storage device, a database comprising rules relating to maintenance of information stored in an archive, a software module stored in the storage device comprising executable instructions that when executed by the processor cause the processor to: (a) identify one or more data items in the one or more databases having a retention date prior to a date of enrollment into the document retention service; (b) retroactively apply the document retention service to the one or more data items by modifying a retention time for each of the one or more data items, wherein the retention time is extend for a predetermined time in accordance with one or more terms of the document retention service. | 12-11-2014 |
Patent application number | Description | Published |
20100095607 | PANEL FOR SHEATHING SYSTEM AND METHOD - The panel includes a water resistant barrier layer secured atop its outward facing surface. The water resistant barrier layer includes a skid resistant surface. The panels are made of lignocellulosic material. The water resistant and skid resistant surface may include indicia for aligning strips of tape or for aligning fasteners. A method for manufacturing the water resistant building panels is also disclosed and includes the steps of feeding paper onto a forming belt, depositing lignocellulosic material and the binding agent onto the forming belt so as to form a lignocellulosic mat, applying heat and pressure so as to impart the skid resistant surface on the paper, and cutting panels to predetermined sizes. | 04-22-2010 |
20100132294 | WALL SHEATHING SYSTEM AND METHOD OF INSTALLATION - The invention comprises a wall sheathing barrier system having moisture permeability and simple improved installation method. The system comprises adjoined structural panels. Each panel has an overlay paper bonded permanently to the structural panel, which provides a moisture permeable barrier and a textured skid-resistant surface. The skid resistant surface may include indicia for aligning strips of tape or for aligning fasteners. Further, the seams of adjoining panels are sealed with a sealing means to complete the moisture barrier. | 06-03-2010 |
20100170178 | PANELIZED ROOFING SYSTEM AND METHOD - The panelized roof sheathing construction system includes a plurality of panels attached to a building frame structure in substantially abutting relationship. Each panel includes a water resistant barrier layer secured atop the outward facing surface of the panel. The water resistant barrier layer includes a skid resistant surface. Joints between panels are sealed by strips of water resistant tape or the like. The panels are made of lignocellulosic material. The water resistant and skid resistant surface may include indicia for aligning strips of tape or for aligning fasteners. A method for manufacturing the water resistant building panels is also disclosed and includes the steps of feeding a roll of paper onto a forming belt, depositing lignocellulosic material and the binding agent onto the forming belt so as to form a lignocellulosic mat, cutting the mat and paper into segments of predetermined lengths, transferring the segments onto a loading screen, subjecting the segments to heat and pressure so as to impart the skid resistant surface on the paper, and cutting the segments into panels of predetermined sizes. A method of drying-in a building using the panels of the invention is also contemplated. | 07-08-2010 |
20110135879 | PANEL FOR SHEATHING SYSTEM AND METHOD - The panel includes a water resistant barrier layer secured atop its outward facing surface. The water resistant barrier layer includes a skid resistant surface. The panels are made of lignocellulosic material. The water resistant and skid resistant surface may include indicia for aligning strips of tape or for aligning fasteners. A method for manufacturing the water resistant building panels is also disclosed and includes the steps of feeding paper onto a forming belt, depositing lignocellulosic material and the binding agent onto the forming belt so as to form a lignocellulosic mat, applying heat and pressure so as to impart the skid resistant surface on the paper, and cutting panels to predetermined sizes. | 06-09-2011 |
20120079785 | PANEL FOR SHEATHING SYSTEM AND METHOD - The panel includes a water resistant barrier layer secured atop its outward facing surface. The water resistant barrier layer includes a skid resistant surface. The panels are made of lignocellulosic material. The water resistant and skid resistant surface may include indicia for aligning strips of tape or for aligning fasteners. A method for manufacturing the water resistant building panels is also disclosed and includes the steps of feeding paper onto a forming belt, depositing lignocellulosic material and the binding agent onto the forming belt so as to form a lignocellulosic mat, applying heat and pressure so as to impart the skid resistant surface on the paper, and cutting panels to predetermined sizes. | 04-05-2012 |
20130283715 | PANEL FOR SHEATHING SYSTEM AND METHOD - The panel includes a water resistant barrier layer secured atop its outward facing surface. The water resistant barrier layer includes a skid resistant surface. The panels are made of lignocellulosic material. The water resistant and skid resistant surface may include indicia for aligning strips of tape or for aligning fasteners. A method for manufacturing the water resistant building panels is also disclosed and includes the steps of feeding paper onto a forming belt, depositing lignocellulosic material and the binding agent onto the forming belt so as to form a lignocellulosic mat, applying heat and pressure so as to impart the skid resistant surface on the paper, and cutting panels to predetermined sizes. | 10-31-2013 |
20150184382 | PANEL FOR SHEATHING SYSTEM AND METHOD - The panel includes a water resistant barrier layer secured atop its outward facing surface. The water resistant barrier layer includes a skid resistant surface. The panels are made of lignocellulosic material. The water resistant and skid resistant surface may include indicia for aligning strips of tape or for aligning fasteners. A method for manufacturing the water resistant building panels is also disclosed and includes the steps of feeding paper onto a forming belt, depositing lignocellulosic material and the binding agent onto the forming belt so as to form a lignocellulosic mat, applying heat and pressure so as to impart the skid resistant surface on the paper, and cutting panels to predetermined sizes. | 07-02-2015 |
Patent application number | Description | Published |
20100102579 | MODULAR BUMPER SYSTEM - A modular reconfigurable bumper system for an off road vehicle includes a center base mountable to the front of the vehicle. The center base has ends, a top face, and a front face. A pair of first mounting locations having associated mounting holes are located on the front face of the center base adjacent its ends and a pair of second mounting locations having associated mounting holes are located on the top face adjacent the ends of the center base. A pair of third mounting locations are located on the ends of the center base. A plurality of optional accessories including end plates, end extenders, an overrider, a prerunner, a stinger, and D-rings are selectively mountable to the center base, all via the first, second, and third mounting locations. The system also includes a rear bumper assembly mountable to the back of the vehicle and having a hinged spare tire carrier and D-rings selectively attachable to the rear bumper via common fourth mounting locations. | 04-29-2010 |
20100176607 | Modular Bumper System - A modular reconfigurable bumper system for an off road vehicle includes a center base mountable to the front of the vehicle. The center base has ends, a top face, and a front face. A pair of first mounting locations having associated mounting holes are located on the front face of the center base adjacent its ends and a pair of second mounting locations having associated mounting holes are located on the top face adjacent the ends of the center base. A pair of third mounting locations are located on the ends of the center base. A plurality of optional accessories including end plates, end extenders, an overrider, a prerunner, a stinger, and D-rings are selectively mountable to the center base, all via the first, second, and third mounting locations. The system also includes a rear bumper assembly mountable to the back of the vehicle and having a hinged spare tire carrier and D-rings selectively attachable to the rear bumper via common fourth mounting locations. | 07-15-2010 |
20130147215 | Modular Bumper System - A modular reconfigurable bumper system for an off road vehicle includes a center base mountable to the front of the vehicle. The center base has ends, a top face, and a front face. A pair of first mounting locations having associated mounting holes are located on the front face of the center base adjacent its ends and a pair of second mounting locations having associated mounting holes are located on the top face adjacent the ends of the center base. A pair of third mounting locations are located on the ends of the center base. A plurality of optional accessories including end plates, end extenders, an overrider, a prerunner, a stinger, and D-rings are selectively mountable to the center base, all via the first, second, and third mounting locations. The system also includes a rear bumper assembly mountable to the back of the vehicle and having a hinged spare tire carrier and D-rings selectively attachable to the rear bumper via common fourth mounting locations. | 06-13-2013 |
20140008136 | Modular Snorkel System for Off-Road Vehicles - A modular snorkel system for an off-road vehicle has a hollow main body that normally is hidden from view behind a fender of the vehicle. The main body terminates at its upper end in an intake mount that projects upwardly from an end of the forward cowl of the vehicle. The other end of the main body is coupled to an end of an air tube that is configured to be routed through the engine bay of the vehicle, again normally hidden from view. The other end of the air tube is coupled through an elbow to the air filter housing of the vehicle. Various intake modules such as a low intake module, a high intake module, an in-line filter module, and others can be mounted to the intake mount of the main body to accommodate different hostile off-road conditions such as water fording and operation in deserts. | 01-09-2014 |
20140339851 | Manual Soft Top with Spring Assist Mechanism - A spring assist mechanism is disclosed for aiding manual deployment of a collapsible soft top that has a frame incorporating a back bow that includes spaced side struts joined at upper ends by a crossbar. The spring assist mechanism includes a bracket securable to the body of the vehicle on one side thereof. A pivot pin extends from the bracket to a distal end and a pivot plate is rotatably supported on the pivot pin. An attachment feature is fixed to the pivot plate displaced from the pivot pin and the pivot plate forms an attachment arm configured to be fixed to a lower end of one of the side struts. The pivot plate thus facilitates pivotal movement of the side strut and back bow between a generally vertical deployed configuration and a generally horizontal stowed configuration. A biasing member, which can be a coil spring, has a first end fixed relative to the bracket and a second end coupled to the attachment feature. The biasing member is configured to urge the pivot plate and an attached side strut and back bow toward the deployed configuration thereby aiding manual deployment of the soft top. Spring assist mechanisms may be disclosed on both sides of the vehicle if desired. | 11-20-2014 |
20150069821 | Modular Center Cap Assembly for Wheels - A modular cap assembly for covering a center bore of a wheel includes an outer piece having a first outward face with a cap retention structure formed therein, a first inward face, and a plurality of first mounting clips projecting from the first inward face to removably engage a wheel retention structure and couple the outer piece to the wheel. The cap assembly also includes a center piece having a second outward face, a second inward face, and a plurality of second mounting clips projecting from the second inward face to removably engage, one at a time, both the cap retention structure and the wheel retention structure. The second outward face is spaced from a wheel face when the center piece and outer piece are together coupled to the wheel and substantially flush with the wheel face when the center piece is coupled directly to the wheel. | 03-12-2015 |
20150123422 | Combination Roof Rack and Removable Soft Top - A roof rack and soft top assembly for a vehicle having an exposed passenger compartment protected by a windshield and a roll cage. The assembly includes an outer frame mounted to the vehicle exterior to the roll cage and surrounding a rear passenger compartment, and a plurality of slide rails mounted to the top of the roll cage above a front passenger compartment. The assembly further includes a soft top suspended from the outer frame with fasteners and a header assembly attached to a forward portion of the soft top that slides along the slide rails to engage with the top edge of the windshield, thereby covering the front passenger compartment. When open air driving is desired, the soft top can be withdrawn or removed from the slide rails and the outer frame and stored in the vehicle. | 05-07-2015 |
Patent application number | Description | Published |
20110215949 | METHOD AND SYSTEM FOR PROVIDING LOCATION INFORMATION OF A VEHICLE TO A USER DEVICE - A user device application transmits the device's location and unique identifier with a message requesting location information that corresponds to a vehicle associated with the user device's unique identifier. The application sends the request message over a communication network to a central computer. The central computer obtains location information corresponding to the vehicle from a device proximate the vehicle. The central computer compares the locations of the user device and telematics device and generates a location differential value corresponding to the distance between them. If the differential value meets predetermined criteria, the central computer causes an action, for example forwarding the location information corresponding to the vehicle to the requesting user device. Or, the central computer sends the requesting device a request denied message. The central computer may also deny the request when the vehicle is moving, or if the user device has requested the vehicle's location too frequently. | 09-08-2011 |
20140087760 | METHOD AND SYSTEM FOR DETERMINING AND TRIGGERING TARGETED MARKETING CONTENT - A mobile device in, or at, a vehicle sends a vehicle status message to a remote host upon occurrence of a trigger event, such as turning off the vehicle's engine. The remote host processes the vehicle status message and determines whether it can access, or find, content that is associated with location information contained in the vehicle status message. If so, the remote host forwards the content in a content message to a user device, which may or may not be the device that transmitted the vehicle status message. The remote host typically associates the user device with the vehicle, or mobile device therein, from which the vehicle status message emanated. Thus, the user device receives content corresponding to the location of the vehicle when the trigger event occurred. The content may include advertising, product promotion, tourist information, weather, traffic, or other information relevant to the trigger event occurrence location. | 03-27-2014 |