The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 06, 2012
Filed:
May. 05, 2005
Edward John Viera, San Carlos, CA (US);
Emerson Ward Swan, Ii, Redwood City, CA (US);
Richard Klein, Lafayette, CA (US);
Dmitri Boudtchenko, Mountain View, CA (US);
James Howard Ballagh, Virginia Beach, VA (US);
Edward John Viera, San Carlos, CA (US);
Emerson Ward Swan, II, Redwood City, CA (US);
Richard Klein, Lafayette, CA (US);
Dmitri Boudtchenko, Mountain View, CA (US);
James Howard Ballagh, Virginia Beach, VA (US);
Ensenta Corporation, San Mateo, CA (US);
Abstract
Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a deposit type with a hold type in the policy database, receiving deposit data including an image of a deposit check, applying the plurality of risk factors to the deposit data, and applying the plurality of hold override policies to the deposit data.