A system for remote data acquisition and centralized processing and storage is disclosed called the DataTreasury System (600). The DataTreasury System provided comprehensive support for the processing of documents and electronic data associated with different applications including sale, business, banking and general consumer transactions. The system retrieves transaction data such as credit card receipts checks in either electronic or paper form at one or more remote locations, encrypts the data, transmits the encrypted data to a central location, transforms the data to a usable form, performs identification verification using signature data and biometric data, generates informative reports from the data and transmits the informative reports to the remote location(s). The DataTreasury System (200, 400, 600) has many advantageous features which work together to provide high performance, security, reliability, fault tolerance and low cost. First, the network architecture facilitates secure communication between the remote location(s) and the central processing facility. A dynamic address assignment algorithm performs load balancing among the system's servers for faster performance and higher utilization. Finally, partitioning scheme improves the error correction process.

Remote image capture with centralized processing and storage

A method and apparatus for high speed conversion of tangible source documents to electronic images, and subsequent transmission or storage and retrieval of images, utilizing hybrid signal processing. The system employs a higher bandwidth analog signal for image capture and lower effective bandwidth analog signal for transmission or storage and retrieval, with an intervening digital memory utilized to construct a bitmap of the image to facilitate various dissection and seaming schemes which optimize image content and processing time. The system is designed around a conventional bus structure, and the memory serves as a junction with conventional personal computers, networks, and peripheral devices. In a representative embodiment, a tangible image is captured using a camera producing an analog signal with conventional raster synchronization. The synchronization is stripped from the analog signal, which is digitized for 8-bit grayscale and multiplexed to the memory where the image exists as a bitmap that may be divided into segments. The content is read from the memory, converted to an analog signal, and control signals are added. The control signals include horizontal and vertical sync pulses and interval blanking, a pilot signal to maintain alignment between adjacent segments along seams and to compensate for time-based errors, and calibration pulses to permit instantaneous adjustment of the gray level for each line, ensure accurate image content, and permit display enhancement. The resultant analog signal is stored on a randomly accessible storage medium as one or more frames, transmitted and reassembled, or displayed on a conventional monitor.

Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain

The present invention comprises a program product, system and method for deposit processing using check images. In one embodiment of the present invention, the program product comprises machine-readable program code for causing, when executed, a machine to perform the following steps: at least one check processor receiving deposit information for a plurality of different deposit transactions, with the deposit information including original check image data and endorsed and voided check image data for at least one check to be deposited; selecting a print processor that has access to at least one printer based on at least one criterion; sending the electronic check data and check image data to the selected print processor; identifying a clearing end point; generating cash letter data for a maker bank; the print processor or the check processor transmitting the check image data and the cash letter data directly or indirectly to the selected end point and/or to at least one printer.

Methods and systems for processing financial instrument deposits

A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.

Method and system for processing financial instrument deposits physically remote from a financial institution

A method for effecting electronic payment, safeguarding banking and account information, while utilizing existing payment systems. The method comprises generating a system routing number and a payment identification code (PIC) relating to the beneficiary's account information, distributing payment identification codes to the existing payment system and financial institutions owning the account related to the payment identification codes, and the originator receiving a system routing number and the beneficiary's PIC number. The method also includes the originator communicating a payment instruction to a financial institution of the originator, wherein the payment instruction includes the system routing number beneficiary's payment identification code, the originator's financial institution receiving the payment instruction from the originator, wherein if the received PIC matches the originator's financial institution internal list of PICs, the originator's financial institution performs an “on us” transaction, and transmitting a payment instruction to an existing payment system in a case where the received PIC does not match originator's financial institution internal list of PICs. The method also includes the existing payment system validating the received PIC, wherein if the PIC is invalid, the payment instruction is returned to the originator's financial institution, converting the PIC and system routing number to a receiving payment instruction in a case where the PIC is a valid PIC, wherein the receiving payment instruction includes the beneficiary's financial institution's routing number and the beneficiary's account number. The existing payment system transmits the receiving payment instruction to a financial institution of the beneficiary, that financial institution credits the beneficiary's account if no problem exists, and otherwise returns a receiving payment instruction to the existing payment system. Upon receipt of the returned receiving payment instruction, the existing payment system translates the receiving payment instruction into the payment instruction prior to transmitting the payment instruction back to originator's financial institution.

Payment identification code and payment system using the same

This paper discusses the communication requirements to support the IBM ImagePlus™ system. The analysis and approach discussed are based on the experience gained in installing the initial ImagePlus systems at several business enterprises.

H. M. Morris

Papers

Image system communications