Check processing and categorizing system
AssigneeU.S. Bank National Association
InventorsDominic Victor Venturo, Todd Clarke Moning
Life of this patent
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Abstract
A method for processing checks includes capturing check data from a check, where the check data includes payee information or payor information. A category of the check is identified based at least in part on the captured check data. A user account is updated with the category and at least a portion of the captured check data. The user account is analyzed to identify transactions involving paper checks. Based on the analysis, an incentive is provided to a user associated with the user account, where the incentive discourages paper check transactions by the user.
Claims19
A method for processing checks, comprising:
- capturing check data from a check with a capture device, wherein the check data includes payee information or payor information;
- identifying a category of the check based at least in part on the captured check data, wherein the category is identified using a processor of a check processing system;
- updating a user account with the category and at least a portion of the captured check data;
- analyzing the user account to identify transactions involving paper checks;
- and based on the analysis, providing a monetary incentive to a user associated with the user account, wherein the monetary incentive discourages paper check transactions by the user.
A system for processing checks, the system comprising:
- a processor;
- a capture device in communication with the processor and configured to capture check data from a check, wherein the check data includes payee information;
- a category engine in communication with the processor and configured to identify a category of the check based at least in part on the payee information;
- a server in communication with the processor and configured to update a user account with the category and at least a portion of the check data;
- and
- an incentive engine in communication with the processor and configured to analyze the user account to identify expenditures made using paper checks;
- and
- based on the analysis, provide a monetary incentive to a user associated with the user account, wherein the monetary incentive discourages paper check usage by the user.
A method for processing checks, comprising:
- capturing check data from a check with a capture device, wherein the check data includes payee information;
- identifying a category of the check based at least in part on the payee information, wherein the category is identified using a processor of a check processing system;
- updating a user account with the category and at least a portion of the check data;
- receiving an edit to the check data from the user;
- updating a handwriting profile of the user based on the received edit;
- using the handwriting profile to improve an accuracy of subsequently captured check data associated with the user;
- and
- analyzing the user account to identify expenditures made using paper checks;
- and
- based on the analysis providing a monetary incentive to a user associated with the user account, wherein the monetary incentive discourages paper check usage by the user.
Dependencies are inferred from the claim text.