US 6,446,072 B1 · Method of obtaining an electronically-stored financial document

Abstract

A method for a bank to obtain an electronically-stored financial document is disclosed. The financial document includes a specific document parameter, such as a record date. The bank maintains the financial document in an off-site storage system when the record date is later than a pre-selected date and in an on-site storage system when the record date is earlier than or equal to the pre-selected date. The off-site storage system is remotely-located from the on-site storage system. The bank receives a request for the financial document from a client and compares the record date to the pre-selected date to determine if the record date is later than, earlier than, or equal to the pre-selected date. In processing the request, the bank utilizes a computer terminal connected to the off-site and on-site storage systems to access one of the storage systems in response to the comparison of the record date to the pre-selected date. After accessing the appropriate storage system, the bank inputs data into the computer terminal to identify the requested financial document and then retrieves the requested financial document. The bank then reproduces the requested financial document and distributes the requested financial document to the requesting client, or some other end user of the bank.

Claims61

Dependent claims

A method for a financial institution to obtain a stored financial document from an off-site storage system remotely-located from an on-site storage system wherein the financial document includes at least one specific document parameter with the specific document parameter being a specific document age, said method comprising the steps of:

maintaining the financial document in the off-site storage system when the specific document age of the financial document is greater than a predetermined age;
maintaining the financial document in the on-site storage system when the specific document age of the financial document is less than or equal to the predetermined age;
receiving a request for the financial document at the financial institution;
comparing the specific document age of the requested financial document to the predetermined age to determine if the specific document age is greater than, less than, or equal to the predetermined age;
utilizing a computer terminal located at the financial institution and connected to the off-site and on-site storage systems;
automatically accessing one of the storage systems in response to the comparison of the specific document age of the requested financial document to the predetermined age;
inputting identification data of the requested financial document into the computer terminal after the desired storage system is accessed by utilizing a primary interface inter-linked with the on-site storage system when the specific document age of the financial document is less than or equal to the predetermined age and selecting an exit function at the primary interface when the specific document age of the financial document is greater than the predetermined age;
and
retrieving the requested financial document as defined by the inputted identification data.

6 more elements

maintaining the financial document in the off-site storage system when the specific document age of the financial document is greater than a predetermine age;
maintaining the financial document in the on-site storage system when the specific document age of the financial document is less than or equal to the predetermined age;
receiving a request for the financial document at the financial institution;
comparing the specific document age of the requested financial document to the predetermined age to determine if the specific document age is greater than, less than, or equal to the predetermined age;
utilizing a computer terminal associated with the financial institution and connected to the off-site and on-site storage systems;
automatically accessing the off-site storage system through the computer terminal when the specific document age is greater than the predetermined age and automatically accessing the on-site storage system through computer terminal when the specific document age is less than or equal to the predetermined age;
inputting identification data of the requested financial document into the computer terminal while the storage systems are accessed;
and
automatically retrieving the requested financial document from the accessed storage system as defined by the inputted identification data.

6 more elements

providing an outsourcing institution associated with the off-site storage system and a requestor;
associating the financial institution with the on-site storage system wherein the outsourcing institution, requestor, and financial institution are different from each other;
maintaining the financial document with the outsourcing institution in the off-site storage system when the specific document age of the financial document is greater than a predetermined age;
maintaining the financial document with the financial institution in the on-site storage system when the specific document age of the financial document is less than or equal to the predetermined age;
receiving a request from the requestor for the financial document at the financial institution;
comparing the specific document age of the requested financial document to the predetermined age to determine if the specific document age is greater than, less than, or equal to the predetermined age;
utilizing a computer terminal associated with the financial institution and connected to the off-site and on-site storage systems;
automatically accessing the off-site storage system when the specific document age is greater than the predetermined age and to access the on-site storage system when the specific document age is less than or equal to the predetermined age;
inputting identification data of the requested financial document into the computer terminal while the desired storage system is accessed;
and
retrieving the requested financial document as defined by the inputted identification data.

8 more elements

Dependencies are inferred from the claim text.

Method of obtaining an electronically-stored financial document

Life of this patent

Method of obtaining an electronically-stored financial document

Life of this patent

Abstract

Claims61