# US 2014/0195439 A1 · System and method for providing a distributed decisioning environment for processing of financial transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195439 A1 - Document ID: US20140195439A1 - Status: Published application - Kind: A1 - Application number: 14/090,381 - Filed: 2013-11-26 - Published: 2014-07-10 - Earliest claimed: 2004-11-05 - Assignees: RDM Corporation - Applicants: RDM Corporation - Inventors: Graham Heit - Web page: https://patentgrep.com/patent/US20140195439A1 ## CPC - G06Q 20/04: Payment circuits - G06F 16/113: {Details of archiving (lifecycle management in storage systems G06F3/0649; point-in-time backing up or restoration of persistent data G06F11/1446)} - G06F 16/50: of still image data - G06Q 20/042: {characterized in that the payment protocol involves at least one cheque} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/22: Payment schemes or models - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/12: Accounting - G06Q 40/123: {Tax preparation or submission} - 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 - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance. ## Claims ### Claim 1 A method for coordinating digital storage of captured paper transaction data based on an original paper transaction, the captured paper transaction data including at least a digital image of the original paper transaction, the method comprising the steps of: receiving the captured paper transaction data from a network; storing the captured paper transaction data in a first storage, the first storage suitable for facilitating the transfer of the captured paper transaction data from the network to a second storage; determining representative information of the captured paper transaction data including at least a storage status indicator for indicating when the captured paper transaction data is stored in the second storage; storing the storage status indicator in a data structure configured for access by a transaction processor; transferring the captured paper transaction data from the first storage for subsequent storage in the second storage, the second storage configured for accommodating requests for access to a selected storage record by the transaction processor, the storage record for storing the captured paper transaction data in the second storage; and updating the storage status indicator in the data structure to reflect the storage status of the captured paper transaction data as stored in the selected storage record of the second storage. ### Claim 2 (depends on 1) The method of claim 1, wherein the transaction processor is selected from a group consisting of: a settlement module for coordinating a settlement process of a selected group of the captured paper transaction data stored in the second storage and a capture module for coordinating the storage of the captured paper transaction data in the second storage. ### Claim 3 (depends on 2) The method of claim 2, wherein the first storage and second storage are selected from a group consisting of: the first storage is hosted by a first device located on the network between a client system configured for sending the captured paper transaction data over the network and a second device coupled to the first device for hosting the second storage; and the first storage is hosted by a first device located on the network coupled to a client system configured for sending the captured paper transaction data over the network and the second storage is also hosted by the first device. ### Claim 4 (depends on 3) The method of claim 3 further comprising the step of determining the representative information to further include a priority indicator for the captured paper transaction data and storing the priority indicator in the data structure configured for access by the transaction processor. ### Claim 5 (depends on 4) The method of claim 4 further comprising the step of hosting the data structure by the first device. ### Claim 6 (depends on 2) The method of claim 2, wherein the first storage is a queue providing temporary storage of the captured paper transaction data and the second storage is a long term storage for providing reliable access to the captured paper transaction data over a predefined period of time. ### Claim 7 (depends on 3) The method of claim 3 further comprising the step of determining the representative information to further include information selected from the group comprising: captured paper transaction data type; file ID of the captured paper transaction data; file name of the captured paper transaction data; a member ID of a member system associated with the captured paper transaction data; a client ID for the client system associated with the captured paper transaction data; processed time indicating the amount of time taken to update the storage status indicator; and an attempts indicator for representing the number of attempts taken to properly receive the captured paper transaction data by the second storage. ### Claim 8 (depends on 4) The method of claim 4 further comprising the step of initiating a settlement process of the captured paper transaction data store in the second storage using the settlement module, the settlement process using the priority indicator for determining which of the captured paper transaction data are eligible for the settlement process. ### Claim 9 (depends on 8) The method of claim 8, wherein the priority indicator represents a receipt time of the captured paper transaction data by the first storage and the eligibility of each of the captured paper transaction data for the settlement process is based on the respective receipt time being less than a processing time threshold. ### Claim 10 (depends on 2) The method of claim 2 further comprising the step of storing an error status in the storage status indicator, the error status for representing that the captured paper transaction data is ineligible for storage in the second storage. ### Claim 11 A system for coordinating digital storage of captured paper transaction data based on an original paper transaction, the captured paper transaction data including at least a digital image of the original paper transaction, the system comprising: a transfer module for receiving the captured paper transaction data from a network; a loading module for coordinating storage of the captured paper transaction data in a first storage, the first storage suitable for facilitating the transfer of the captured paper transaction data from the network to a second storage; a component module for determining representative information of the captured paper transaction data including at least a storage status indicator for indicating when the captured paper transaction data is stored in the second storage, for storing the storage status indicator in a data structure configured for access by a transaction processor, and for updating the storage status indicator in the data structure to reflect the storage status of the captured paper transaction data as stored in the selected storage record of the second storage; wherein the captured paper transaction data is transferred from the first storage to the second storage to result in the updating of the storage status indicator, such that the second storage is configured for accommodating requests for access to a selected storage record by the transaction processor and the storage record is configured for storing the captured paper transaction data in the second storage. ### Claim 12 (depends on 11) The system of claim 11, wherein the transaction processor is selected from a group consisting of: a settlement module for coordinating a settlement process of a selected group of the captured paper transaction data stored in the second storage and a capture module for coordinating the storage of the captured paper transaction data in the second storage. ### Claim 13 (depends on 12) The system of claim 12, wherein the first storage and second storage are selected from a group consisting of: the first storage is hosted by a first device located on the network between a client system configured for sending the captured paper transaction data over the network and a second device coupled to the first device for hosting the second storage; and the first storage is hosted by a first device located on the network coupled to a client system configured for sending the captured paper transaction data over the network and the second storage is also hosted by the first device. ### Claim 14 (depends on 13) The system of claim 13 further comprising the stored representative information to further include a priority indicator for the captured paper transaction data. ### Claim 15 (depends on 14) The system of claim 14, wherein the data structure is hosted by the first device. ### Claim 16 (depends on 12) The system of claim 12, wherein the first storage is a queue providing temporary storage of the captured paper transaction data and the second storage is a long term storage for providing reliable access to the captured paper transaction data over a predefined period of time. ### Claim 17 (depends on 13) The system of claim 13 further comprising the representative information to further include information selected from the group comprising: captured paper transaction data type; file ID of the captured paper transaction data; file name of the captured paper transaction data; a member ID of a member system associated with the captured paper transaction data; a client ID for the client system associated with the captured paper transaction data; processed time indicating the amount of time taken to update the storage status indicator; and an attempts indicator for representing the number of attempts taken to properly receive the captured paper transaction data by the second storage. ### Claim 18 (depends on 14) The system of claim 14 further comprising the settlement module configured for initiating a settlement process of the captured paper transaction data stored in the second storage, the settlement process using the priority indicator for determining which of the captured paper transaction data are eligible for the settlement process. ### Claim 19 (depends on 18) The system of claim 18, wherein the priority indicator represents a receipt time of the captured paper transaction data by the first storage and the eligibility of each of the captured paper transaction data for the settlement process is based on the respective receipt time being less than a processing time threshold. ### Claim 20 (depends on 12) The system of claim 12 further comprising the storage status indicator configured for storing an error status for representing that the captured paper transaction data is ineligible for storage in the second storage. ### Claim 21 A method for coordinating a settlement process of a plurality of captured paper transaction data stored in a second storage, the plurality of captured paper transaction data based on original paper transactions, the plurality of captured paper transaction data including digital images of the original paper transactions, the method comprising the steps of: initiating the settlement process once a processing threshold is reached; reviewing a data structure associated with a first storage suitable for facilitating the transfer of the plurality of captured paper transaction data from a network to the second storage, the data structure configured to contain representative information of the plurality of captured paper transaction data including at least a storage status indicator for indicating when the captured paper transaction data has been successfully transferred from the first storage to the second storage; determining which of the plurality of captured paper transaction data are potentially eligible for the settlement process based on a respective priority indicators for each of the plurality of captured paper transaction data satisfying the processing threshold; delaying the settlement process until all of the potentially eligible captured paper transaction data are represented by the respective storage status indicators as either successfully stored in the second storage or as confirmed ineligible for the settlement process based on the captured paper transaction data being ineligible for storage in the second storage. ### Claim 22 (depends on 21) The method of claim 21 further comprising the step of checking the member identification for each of the plurality of captured paper transaction data to determine whether at least some of the plurality of captured paper transaction data is associated with a selected member matching at least one of the checked member identifications. ### Claim 23 (depends on 21) The method of claim 21, wherein the priority indicator represents a receipt time of the captured paper transaction data by the first storage and the eligibility of each of the plurality of captured paper transaction data for the settlement process is based on the respective receipt time being less than the processing threshold, the processing threshold representing a predefined time of day.