Michael W Sears

US Patent:

7792753, Sep 7, 2010

Filed:

Jul 7, 1999

Appl. No.:

09/348529

Inventors:

Alan Slater - East Brunswick NJ, US
Michael L. Sears - Torrance CA, US
Phoebe Rin-Rin Hsu - Northridge CA, US
Cuong D. Do - Reseda CA, US
H. Patrick McSharry - Los Angeles CA, US
Edward M. R. Dudasik - West Hills CA, US
Stephen M. Gryte - Los Angeles CA, US
Robert O. Brooks - Los Angeles CA, US

Assignee:

Citibank, N.A. - New York NY
Citicorp Development Center, Inc. - Cincinnati OH

International Classification:

G06Q 40/00

US Classification:

705 45, 705 35, 705 39, 705 42

Abstract:

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 form at the central location, resembling the original paper check or cash, including a machine-readable regeneration of the MICR code line data captured from the original instrument. Paperless processing of checks and cash is thus provided, including local voiding and storage of the check without requiring immediate pickup, while still allowing the transaction to be process.

US Patent:

8065226, Nov 22, 2011

Filed:

Jul 20, 2001

Appl. No.:

09/908549

Inventors:

Carol J. Rizzo - Livingston NJ, US
Phoebe Rin-Rin Hsu - Northridge CA, US
Michael L. Sears - Torrance CA, US

Assignee:

Citicorp Development Center, Inc. - Los Angeles CA

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35

Abstract:

A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.

US Patent:

8364589, Jan 29, 2013

Filed:

Sep 6, 2011

Appl. No.:

13/225825

Inventors:

Carol J. Rizzo - Livingston NJ, US
Phoebe Rin-Rin Hsu - Northridge CA, US
Michael L. Sears - Torrance CA, US

Assignee:

Citicorp Development Center, Inc. - Blue Ash OH

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35

Abstract:

A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.

US Patent:

20100306111, Dec 2, 2010

Filed:

Aug 13, 2010

Appl. No.:

12/856334

Inventors:

Alan Slater - East Brunswick NJ, US
Michael L. Sears - Torrance CA, US
Phoebe Rin-Rin Hsu - Northridge CA, US
Cuong D. Do - Reseda CA, US
H. Patrick McSharry - Los Angeles CA, US
Edward M.R. Dudasik - West Hills CA, US
Stephen M. Gryte - Los Angeles CA, US
Robert O. Brooks - Los Angeles CA, US

International Classification:

G06Q 40/00
G06K 7/08
H04N 1/23

US Classification:

705 45, 235449, 235379, 358 16

Abstract:

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 form at the central location, resembling the original paper check or cash, including a machine-readable regeneration of the MICR code line data captured from the original instrument. Paperless processing of checks and cash is thus provided, including local voiding and storage of the check without requiring immediate pickup, while still allowing the transaction to be process.