Patrick S Mcmonagle

US Patent:

8296236, Oct 23, 2012

Filed:

May 31, 2011

Appl. No.:

13/118894

Inventors:

Patrick S. McMonagle - Niwot CO, US
Douglas G. Smith - Greer SC, US
Richard L. Norman - Dallas TX, US

Assignee:

Viewpointe Archive Services, LLC - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 45, 705 35, 705 40, 705 42

Abstract:

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 from the capture bank via a landing zone at the centralized storage facility. These images and information supporting the check collection process can be in the form of load file. A cross-reference file including information supporting the check clearing process such as unique handles identifying the check images is received from a paying bank, possibly also via a landing zone. Check images can be identified based on these unique handles, so that the check images can be made accessible to both the capture bank and the paying bank from the substantially centralized storage system.

US Patent:

8320635, Nov 27, 2012

Filed:

Dec 2, 2005

Appl. No.:

11/164722

Inventors:

Patrick S. McMonagle - Niwot CO, US
Christine Collins - Pearland TX, US
John Leon - Kingwood TX, US

Assignee:

Viewpointe Archive Services, LLC - Charlotte NC

International Classification:

G06K 9/00
G06K 9/54
G01B 5/28
G01B 5/30

US Classification:

382112, 382135, 382137, 382305, 702 35

Abstract:

Method and system to centrally monitor the quality of images of financial documents. Embodiments of the present invention can provide a way to monitor and evaluate the quality of images of financial documents stored for remote access by financial institutions. In some embodiments, a standard quality analysis of at least some of the images is performed, and, based on the quality analysis, suspect images are identified to a responsible entity. For at least some of the images, a decisioning result from the responsible entity is recorded in association with information identifying the images. The quality analysis can be applied based on exclusion criteria such as an amount threshold, certain routing information, etc. The suspect images can be identified by sending a quality results file to the responsible entity, and a decisioning result can be received in a decisioning results file.

US Patent:

20050216409, Sep 29, 2005

Filed:

Sep 24, 2004

Appl. No.:

10/711550

Inventors:

Patrick McMonagle - Niwot CO, US
Douglas Smith - Greer SC, US
Richard Norman - Dallas TX, US

International Classification:

G06F017/60

US Classification:

705045000

Abstract:

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 from the capture bank via a landing zone at the centralized storage facility. These images and information supporting the check collection process can be in the form of load file. A cross-reference file including information supporting the check clearing process such as unique handles identifying the check images is received from a paying bank, possibly also via a landing zone. Check images can be identified based on these unique handles, so that the check images can be made accessible to both the capture bank and the paying bank from the substantially centralized storage system.

US Patent:

20120130899, May 24, 2012

Filed:

Jun 14, 2011

Appl. No.:

13/160244

Inventors:

Patrick Shawn McMonagle - Boulder CO, US
Rustin Ivins Carpenter - Acton MA, US

International Classification:

G06Q 40/00

US Classification:

705 45

Abstract:

Embodiments provide processing of non-DDA transactions as Check21 transactions. In some implementations, a consumer registers a DDA account (e.g., a checking account) with a payment processing entity. The payment processing entity (e.g., or an agent or affiliate) generates a non-DDA account (e.g., a debit card account) and maps the new non-DDA account to the consumer's preexisting DDA account. When the consumer uses the non-DDA account at a point of sale, transaction information, including the non-DDA account information, is routed to the payment processing entity. The payment processing entity uses its mapping to identify the consumer's DDA account, uses the DDA account information and transaction information to generate a Check21-compliant check image, and clears and/or settles the transaction through Check21 channels. Accordingly, from the consumer's perspective, the transaction is carried out as a non-DDA transaction; while from the merchant's perspective, the transaction is processed using relatively low-cost Check21 channels.