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| Number | Title | Issue Date |
| 8150770 | System and method for reordering checks A method for reordering checks for a customer is disclosed. The method includes ordering a first quantity of checks for the customer, tracking usage of the first quantity of checks, and ordering a second quantity of checks for the customer when a predetermined quant... | 04/03/2012 |
| 8150771 | Automatic check reordering Various embodiments are directed to computer implemented methods of automatically reordering checks for an account utilizing checks. The methods may comprise determining a number of checks written on the account from a most recent check order. The number of checks w... | 04/03/2012 |
| 8126809 | Method and system for processing financial instrument deposits physically remote from a financial institution A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to... | 02/28/2012 |
| 8126808 | System and method for processing checks and check transactions A method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used ... | 02/28/2012 |
| 8126807 | Control features in a system and method for processing checks and check transactions A method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used ... | 02/28/2012 |
| 8121950 | Method of processing a check and an apparatus therefor A device captures an image of a check having a payee and/or a payor field. Payee data and/or payor data contained in the payee field and/or the payor field is extracted from the captured image. Extracted payee data and/or extracted payor data is stored in a data war... | 02/21/2012 |
| 8121951 | Check clearing systems A system and process for more efficiently clearing checks by transmitting MICR line data together with a URL link to facilitate check clearing via electronic debits by an ACH. The URL link can be used at the option of the paying bank (or other entity) to access imag... | 02/21/2012 |
| 8112357 | Systems and methods for preventing duplicative electronic check processing Preventing duplicate ICL files and/or ICL file elements, including duplicate ICLs, items, and item bundles, from being processed for payment and/or presentment. A duplicate detection module can assign a predictable and repeatable unique identifier to each ICL file a... | 02/07/2012 |
| 8078539 | Method and system for sorting checks according to a priority order associated with the account number An improved check sorting system capable of ordering cancelled checks for a plurality of accounts in a predetermined manner other than by account number is provided. Checks are ordered according to a priority value associated with the account number, and optionally ... | 12/13/2011 |
| 8060442 | System and method for MICR-based duplicate detection and management A system and method for MICR-based duplicate detection and management identifies duplicate presented items on day one across a plurality of payment channels, prior to posting, preventing them from impacting financial institution customers by rerouting to an adjustme... | 11/15/2011 |
| 8046301 | Systems and methods to modify a negotiable instrument When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical n... | 10/25/2011 |
| 8041640 | Method and system for account verification A system and method for verifying the existence of a deposit account, such as a checking account, are provided. The system and method may also be used to determine whether the deposit account is configured to receive automatic transactions for withdrawal. For exampl... | 10/18/2011 |
| 8032462 | Electronic image cash letter balancing Balancing image cash letters (“ICLs”) and ICL items during electronic check processing includes determining whether each item has been presented to a receiving institution for payment. A tracking module can track an incoming ICL/item's processing status using re... | 10/04/2011 |
| 8010454 | System and method for preventing fraud in check orders A system and method for processing paper check orders. The system comprises client storage capable of storing client information including data from previous paper check orders, suspect check order storage capable of storing suspicious order information including da... | 08/30/2011 |
| 8001051 | Systems and methods to modify a negotiable instrument When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical n... | 08/16/2011 |
| 7996314 | Systems and methods to modify a negotiable instrument When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical n... | 08/09/2011 |
| 7996317 | Methods and systems for processing stranded payments and lockbox payments at the same designated payment location Embodiments of the invention describe an electronic method for processing stranded payments and lockbox payments at the same designated payment location. The method includes receiving a stranded payment at a non-designated payment location, and electronically scanni... | 08/09/2011 |
| 7996316 | Systems and methods to modify a negotiable instrument When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical n... | 08/09/2011 |
| 7996315 | Systems and methods to modify a negotiable instrument When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical n... | 08/09/2011 |
| 7979352 | Centralized check image storage system Centralized check image storage system. The present invention provides for sharing check images stored in a substantially centralized storage system between and/or among banks in support of the check collection process. In some embodiments, check images are received... | 07/12/2011 |
| 7974921 | Bank cheque system with cheques having magnetized strips and/or storage chips A system and method to produce and use new bank checks with magnetized strips (30) and/or storage chips (33) to avoid forging in the checks and to confirm immediately upon introducing them for negotiation, whether or not sufficient funds are available.... | 07/05/2011 |
| 7974922 | Computer-driven exception processing system A computer-implemented system to track, process, and report exceptions arising from processing of electronic representations of checks and other financial documents. ... | 07/05/2011 |
| 7970706 | System and method for check exception item notification A system mainframe receives a payee check file and a payor check file and produces an exception file including at least one exception item. A server receives the exception file and generates a Web file including information relating to the exception item and generat... | 06/28/2011 |
| 7966258 | System for effecting the payment of paper and electronic financial instruments received at a payment facility A system for expediting the deposit, settlement and submission into the payment system for collection of funds represented of commingled paper and electronic financial instruments that are received by a payee at a location remote from the payee's collecting and clea... | 06/21/2011 |
| 7962411 | Atomic deposit transaction A user may generate a digital image of a negotiable instrument such as a check. The digital image may be transmitted to an institution in a digital image file for deposit of the check. After the user selects to submit the digital image file, the digital image file m... | 06/14/2011 |
| 7962412 | Apparatus and method for processing a check, and a computer-readable recording medium storing a check processing control program A check processing method involves capturing at a first compression rate certain portions of a received check, and evaluating, based on that captured image data, whether certain information of the check can be reproduced by image data at a second compression rate th... | 06/14/2011 |
| 7958053 | Method and system for extending credit with automated repayment A system and method for extending a firm offer of credit contingent upon receiving a one-time authorization to execute recurring automatic withdrawals from a deposit account is provided. In providing the one-time authorization to execute recurring automatic withdraw... | 06/07/2011 |
| 7949603 | Secure online transaction system and method In one embodiment, an online financial account has an associated telephone registered to the account. The financial account may be accessed over a computer network, such as the Internet. Upon receipt of a request to access the account, a text message containing a dy... | 05/24/2011 |
| 7925588 | Image based positive pay checking system A method of processing a check issued by a payor includes creating a check image at a payor location, obtaining positive pay data from the image at the payor location using OCR and transmitting the positive pay data to a payor bank of the payor. Alternatively, the p... | 04/12/2011 |
| 7890426 | Method and system for verifying check images In one embodiment, example software is operable to determine a first hash value for an electronic check image, with the check image operable to generate an image replacement document. The hash value is associated with the electronic check image. The electronic check... | 02/15/2011 |
| 7860796 | Automated order protection trading system Methods and systems for trading financial or commodity assets are presented. In particular, the invention relates to a trading system and method that operates with third party data and a Third Party Inside Market to promote fair and orderly transactions. In some emb... | 12/28/2010 |
| 7860795 | Systems and methods for processing check identifiers using replacement symbols An original check identifier in MICR format includes separator symbols that do not appear on a typical computer keyboard. When a user is entering a check identifier from a computer or a telephone, the user is instructed to replace the separator symbols with replacem... | 12/28/2010 |
| 7856403 | Check processing and categorizing system A method for processing checks includes capturing check data from a check with a capture device of a check processing system, where the check data includes payee information. A category of the check is identified based at least in part on the payee information. A us... | 12/21/2010 |
| 7814019 | System and method for enhancing financial institution revenues through acceleration of debit processing A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transa... | 10/12/2010 |
| 7792754 | Financial document item processing system and method of operating a financial document item processing system to encode/endorse a financial document item having a radio frequency identification tag A financial document item processing system processes checks transported from an upstream end of a check transport path to a downstream end of the check transport path. Endorsement data is transmitted to an RFID tag of a check transported along the check transport p... | 09/07/2010 |
| 7792753 | System and method for image depositing, image presentment and deposit taking in a commercial environment A method and system provides for scanning a check and/or cash to create an electronic image of the front and the back of the check and/or cash. The image is then processed and transmitted electronically to a central location. The image may be recreated into a paper ... | 09/07/2010 |
| 7752136 | Check authorization system and method A self-authenticating check authorization system and method includes a check that has standard bank and account information printed on the MICR line, as well as a one-way hash value that is computed based on the standard bank and account information as well as a per... | 07/06/2010 |
| 7747530 | Check authorization system and method A device is provided that includes a monetary instrument having a surface, and a magnetic ink character recognition (MICR) line coupled to that surface. The MICR line includes an ABA number, a customer account number, and a one-way hash value. The one-way hash value... | 06/29/2010 |
| 7747529 | Method and system of check presentation A method and system of check presentation. At least some of the illustrative embodiments are methods comprising accepting a first paper check and a second paper check in exchange for a good or service (the second paper check postdated), converting the first paper ch... | 06/29/2010 |
| 7729990 | Check image access system Systems and methods of processing financial transaction information are provided. In one embodiment, a financial institution runs an index generating software program to generate a downloadable index of images of cleared checks. The account customer uses complementa... | 06/01/2010 |
