Patent application number | Description | Published |
20140233831 | CUSTOMER ACTIVITY DRIVEN STORAGE - Embodiments of the invention are directed to systems, methods, and computer program products for determining a storage location for an image of a check. In some embodiments, a system is configured to: receive an image of a check, the image being associated with an account associated with a user; analyze check retrieval activity associated with the account; determine, based on the check retrieval activity, a storage location for the image; and store the image at the storage location. | 08-21-2014 |
20140233834 | IMAGE RECREATION USING IMAGE LIFT DATA - Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation. | 08-21-2014 |
20140233835 | SYSTEMS AND METHODS FOR RECREATING AN IMAGE USING WHITE SPACE AND CHECK ELEMENT CAPTURE - Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database. | 08-21-2014 |
20140233836 | IMAGE RECREATION USING TEMPLATES - Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using templates or generic control documents. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using document templates. As such, the invention may compile templates for image documents. Upon receiving a document from a transaction for storage, the system may store the metadata associated with that document, instead of storing the entire document as a high resolution image file. Using the template, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation. | 08-21-2014 |
20140233837 | SYSTEMS AND METHODS FOR STORING IMAGE PROPERTIES FOR RECREATING AN IMAGE - Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database. | 08-21-2014 |
20140236790 | FINANCIAL RECORD MODIFICATION - Embodiments for modifying financial record data, such as check images, are provided herein. The embodiments include receiving financial record data; identifying one or more criteria associated with the financial record data; quantifying the size of the one or more criteria; modifying at least a portion of the financial record data based on size of the one or more criteria; and providing at least a portion of the received financial record data or modified financial record data to a recipient. | 08-21-2014 |
20140236791 | IMAGE RETRIEVAL AND TRANSACTION ID CAPTURE - Embodiments of the invention are directed to systems, methods and computer program products for providing image retrieval based on transaction identification. An exemplary apparatus is configured to: capture an image of a document. The document is typically associated with a transaction ID. Upon capturing the document image the system may process the image of the document to collect document information, and subsequently store the document information. The system may later receive a request for the document information that is similarly associated with the transaction ID. This document information is retrieved based at least partially on the request. An activity log may be additionally created which comprises a record of one or more request associated with the transaction ID. | 08-21-2014 |
20150117747 | CHECK DATA LIFT FOR ERROR DETECTION - Embodiments for identifying errors based on data extracted from financial record images includes systems that receive one or more financial record images from a user, apply an optical character recognition process to at least a portion of the one or more financial record images, and identify record data based on the applied optical character recognition process comprising at least a name of a party to the financial record. The systems further identify errors associated with the one or more financial record images based on the record data. | 04-30-2015 |
20150117748 | CHECK DATA LIFT FOR CHECK DATE LISTING - Embodiments of the invention relate to systems, methods, and computer program products for extracting check data and using the check data for determining a disposition of a check. The system, method, and computer program product are configured to: a) receive an image of a check; b) apply an optical character recognition process to at least a portion of the image of the check; c) convert one or more image portions of the at least a portion of the image to text based data based at least partially on the application; d) identify a date of the check based on the text based data obtained from the one or more image portions; e) compare the date of the check to one or more authorization parameters; and f) provide a disposition of the check based on the comparison of the date of the check to the one or more authorization parameters. | 04-30-2015 |
20150120516 | CHECK DATA LIFT FOR ONLINE ACCOUNTS - Embodiments for extracting data for online account includes systems that receive at least one check images, apply one or more optical character recognition processes to at least a portion of the at least one check image, and convert image based data to text based data. The embodiments further identify check data in the text based data, identify online data from the check data, incorporate at least a portion of the online data into a portion of an online account, and provide the online account portion to a customer. | 04-30-2015 |
20150120517 | DATA LIFTING FOR DUPLICATE ELIMINATION - Embodiments of the invention include systems, methods, and computer-program products for lifting metadata from financial documents for eliminating duplicate financial document processing. As such, when financial documents are received, the invention utilizes optical character recognition to lift data from the documents. This data is then stored in metadata form. When subsequent financial documents are received, the invention may compare the received documents with the stored metadata of previously received financial documents. Upon identifying a match between the metadata, the system will notify the user, notify a financial representative, and/or eliminate the matched document. A matching or corresponding document indicates a duplicate in the document. As such, elimination the document prior to financial document processing prevents multiplicative document processing identified, the system will stop the payment associated with that financial document. | 04-30-2015 |
20150120548 | DATA LIFTING FOR STOP PAYMENT REQUESTS - Embodiments of the invention include systems, methods, and computer-program products for lifting metadata from financial documents to allow for automated financial document stop payment requests. As such, allowing for automated determining of an appropriate financial document to stop payment on based on user information comparison to stored metadata for financial documents. As such, the user may provide information about the requested stop payment, such as a payee, date, amount, or the like associated with a payment. The system may then utilize the user provided information and compare that information to the metadata lifted from the financial documents. As such, identifying the financial document associated with the stop payment request. Once identified, the system will stop the payment associated with that financial document. | 04-30-2015 |
20150120563 | CHECK DATA LIFT FOR ACH TRANSACTIONS - Embodiments for extracting data for ACH transactions includes systems that receive at least one check image, apply one or more optical character recognition processes to at least a portion of the at least one check image, and identify check data. The systems further insert at least a portion of the check data into an ACH transaction entry for ACH transaction processing. | 04-30-2015 |
20150120564 | CHECK MEMO LINE DATA LIFT - Disclosed is a system and associated method for categorizing a transaction performed using a negotiable instrument. The system is typically configured for receiving an indication of the transaction performed using the negotiable instrument, including receiving an image of the negotiable instrument; extracting transaction data from the image of the negotiable instrument, including extracting memo data from the image of the negotiable instrument; based at least in part on the extracted memo data, determining if the transaction is associated with a first predefined transaction category; and presenting at least a portion of the transaction data extracted from the image of the negotiable instrument to the customer, wherein, if the transaction is associated with the first predefined transaction category, presenting at least a portion of the extracted transaction data to the customer includes presenting an indication that the first predefined transaction category is associated with the transaction. | 04-30-2015 |