US 8,045,784 B2Granted

Lockbox imaging system

AssigneeJPMorgan Chase Bank, N.A.

InventorsJoanne Price, Sumit Mathur, Paul Mao

Life of this patent

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Abstract

A system and method for imaging and capturing information from checks and documents contained in a lockbox remittance. A computer workstation is used to generate and print a header sheet that includes information identifying the check. The header sheet is appended to the front of the documents and the document are imaged using a scanner. Identifying information from each of the documents is used to create a data record for each document. In parallel to the scanning of the documents, the checks are scanned and images are created for each of the checks. Additionally, identifying information from each of the checks (e.g., the check number, the amount, etc.) is manually input into a database, thus creating a data record for each check. Once all of the data entry and scanning has been completed, an automatic association process takes place in which the check data records, the check images, the document data records and the document images are all automatically associated and cross-referenced such that the system recreates an electronic version of the original batch of physical papers. All of the associated data and images are contained in a database, from which all of the information for a lockbox customer can be electronically retrieved over the Internet.

Claims28

Dependent claims

A lockbox processing system for processing lockbox remittances, the lockbox remittances comprising a check and at least one document associated with the check, the check and at least one document forming a group, the check having a check number associated therewith, the system comprising:

a document capture component, the document capture component scanning the at least one document thereby generating a document image, the document capture component further generating a document data record that identifies the at least one document;
a first memory coupled to the document capture component and storing the document image and the document data record;
a check capture component, the check capture component scanning the check thereby generating a check image, the check capture component further generating a check data record that identifies the check;
a second memory coupled to the check capture component and storing the check image and the check data record;
and
a processor coupled to the first memory and the second memory, the processor logically associating the check data record, the document data record, the check image and the document image;
a generator for generating a header wherein the header identifies the document image and is appended to the at least one document;
wherein the processor further retrieves the check image and the check data record from one or more of the first memory and the second memory and stores the check image and the check data record in one or more of the first memory and the second memory, and wherein the logical association is performed.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/695,466Filed 28 Jan 2010 · continuation
Priority: 11 May 1999
Published: US 2010/0128324 A127 May 2010
Granted: 25 Oct 2011
Term ends: Not estimatedThe source records don’t support an estimate.

Classification4 codes

G06Q 20/042
Payment circuits: characterized in that the payment protocol involves at least one cheque
G06V 10/10
Arrangements for image or video recognition or understanding: image acquisition
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial
G06V
Image and video recognition

Family

Application60/133,577Us provisional application · filed 11 May 1999
Application09/569,179Parent of this continuation · filed 11 May 2000
Application11/422,450Parent of this continuation · filed 6 Jun 2006
Application11/876,164Parent of this continuation · filed 22 Oct 2007
Application12/254,247Parent of this continuation · filed 20 Oct 2008
US 2010/0128324 A1Pre-grant publication · published 27 May 2010
US 7,668,363 B2Parent of this continuation
US 7,471,818 B1Parent of this continuation
US 7,317,823 B1Parent of this continuation
US 7,068,832 B1Parent of this continuation
US 2009/0060314 A1Published application
US 8,045,784 B2This patent

From the US filing history. Foreign family members aren’t listed.