# US 2014/0207658 A1 · Payment settlement system with feedback

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- Number: US 2014/0207658 A1
- Document ID: US20140207658A1
- Status: Published application
- Kind: A1
- Application number: 13/749,236
- Filed: 2013-01-24
- Published: 2014-07-24
- Earliest claimed: 2013-01-24
- Inventors: Larry Kerr
- Web page: https://patentgrep.com/patent/US20140207658A1

## CPC

- G06Q 20/382: {insuring higher security of transaction}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A method of providing feedback to a user concerning a payment settlement process is provided. User identification information for a user is received. An electronic document associated with a payment transaction for a task completed by the user is received. Electronic processing criterion associated with the payment transaction are identified based on the received user identification information. Whether or not the received electronic document satisfies the identified electronic processing criterion is determined. If the received electronic document satisfies the electronic processing criterion, a notification message is sent to the user indicating that a proper submission of the document associated with the payment transaction has been completed. If the received electronic document does not satisfy the electronic processing criterion, an issue notification message is sent to the user identifying an issue associated with the payment transaction.

## Claims

### Claim 1

A computer-readable medium having stored thereon computer-readable instructions that when executed by a computing device result in the computing device:
receiving user identification information for a user;
receiving an electronic document associated with a payment transaction for a task completed by the user;
identifying electronic processing criterion associated with the payment transaction based on the received user identification information;
determining if the received electronic document satisfies the identified electronic processing criterion; and
if the received electronic document does not satisfy the electronic processing criterion, sending an issue notification message to the user identifying an issue associated with the payment transaction.

### Claim 2 (depends on 1)

The computer-readable medium of claim 1, wherein the computer-readable instructions further result in the computing device sending a notification message to the user indicating that a proper submission of the document associated with the payment transaction has been completed if the received electronic document satisfies the electronic processing criterion.

### Claim 3 (depends on 1)

The computer-readable medium of claim 1, wherein the task is associated with a delivery of goods to a destination.

### Claim 4 (depends on 1)

The computer-readable medium of claim 1, wherein the electronic document is an image of a paper document.

### Claim 5 (depends on 4)

The computer-readable medium of claim 4, wherein the computer-readable instructions further result in the computing device determining a clarity and readability score for the image.

### Claim 6 (depends on 5)

The computer-readable medium of claim 5, wherein the identified electronic processing criterion comprise a defined clarity and readability threshold.

### Claim 7 (depends on 6)

The computer-readable medium of claim 6, wherein the computer-readable instructions further result in the computing device comparing the determined clarity and readability score to the defined clarity and readability threshold to determine if a quality of the image is acceptable.

### Claim 8 (depends on 7)

The computer-readable medium of claim 7, wherein the issue notification message indicates that the quality of the image is unacceptable if the quality of the image is determined to be unacceptable based on the comparison.

### Claim 9 (depends on 8)

The computer-readable medium of claim 8, wherein the computer-readable instructions further result in the computing device receiving a second electronic document associated with the payment transaction for the task completed by the user in response to the issue notification message.

### Claim 10 (depends on 1)

The computer-readable medium of claim 1, wherein the identified electronic processing criterion comprise a number and a type of electronic documents associated with the payment transaction based on the received user identification information.

### Claim 11 (depends on 10)

The computer-readable medium of claim 10, wherein the computer-readable instructions further result in the computing device comparing the received electronic document to the number and the type of electronic documents associated with the payment transaction to determine if all of the electronic documents have been received.

### Claim 12 (depends on 11)

The computer-readable medium of claim 11, wherein the issue notification message indicates that a document has not been received if all of the electronic documents have not been received based on the comparison.

### Claim 13 (depends on 12)

The computer-readable medium of claim 12, wherein the computer-readable instructions further result in the computing device receiving a second electronic document associated with the payment transaction for the task completed by the user in response to the issue notification message.

### Claim 14 (depends on 1)

The computer-readable medium of claim 1, wherein the identified electronic processing criterion comprise an identified index value.

### Claim 15 (depends on 14)

The computer-readable medium of claim 14, wherein the computer-readable instructions further result in the computing device:
receiving an index value associated with the electronic document; and
comparing the received index value to the identified index value;
wherein the issue notification message indicates an indexing error if the received index value does not match the identified index value based on the comparison.

### Claim 16 (depends on 15)

The computer-readable medium of claim 15, wherein the identified index value is identified by processing the received electronic document using a character or mark recognition process.

### Claim 17 (depends on 16)

The computer-readable medium of claim 16, wherein the identified index value is identified by reading a bar code from the received electronic document and processing the bar code.

### Claim 18 (depends on 17)

The computer-readable medium of claim 17, wherein the computer-readable instructions further result in the computing device receiving a second electronic document associated with the payment transaction for the task completed by the user in response to the issue notification message.

### Claim 19

A system comprising:
a processor;
a computer-readable medium operably coupled to the processor, the computer-readable medium having computer-readable instructions stored thereon that, when executed by the processor, cause the system to
receive user identification information for a user;
receive an electronic document associated with a payment transaction for a task completed by the user;
identify electronic processing criterion associated with the payment transaction based on the received user identification information;
determine if the received electronic document satisfies the identified electronic processing criterion; and
if the received electronic document does not satisfy the electronic processing criterion, send an issue notification message to the user identifying an issue associated with the payment transaction; and
a communication interface operably coupled to the processor and configured to receive the user identification information and the electronic document and to send the issue notification message.

### Claim 20

A method of providing feedback to a user concerning a settlement process, the method comprising:
receiving, by a computing device, user identification information for a user;
receiving, by the computing device, an electronic document associated with a payment transaction for a task completed by the user;
identifying, by the computing device, electronic processing criterion associated with the payment transaction based on the received user identification information;
determining, by the computing device, if the received electronic document satisfies the identified electronic processing criterion; and
if the received electronic document does not satisfy the electronic processing criterion, sending, by the computing device, an issue notification message to the user identifying an issue associated with the payment transaction.