SERIALIZED SYSTEM FOR IMAGE REPLACEMENT DOCUMENTS
First Claim
Patent Images
1. A method, comprising:
- a) distributing digitized versions of bank checks to banks in a check-clearing process;
b) using some digitized versions to print paper versions;
c) delivering paper versions to recipients; and
d) in response to requests from recipients, or transferees of recipients, verifying content of paper versions.
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Abstract
An improved process for clearing bank checks. Paper bank checks are digitized, and the paper checks are placed into storage. The digitized versions are used in the check-clearing process. When paper versions of the checks are required, as when a check is needed for evidence in a lawsuit, a paper version is printed from the corresponding digitized version, each paper version bearing a unique serial number, wherein no two serial numbers are alike. At that time, selected data from the printed check is stored in a database. A recipient of the printed check is allowed access to the database, to verify authenticity of the printed check.
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Citations
16 Claims
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1. A method, comprising:
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a) distributing digitized versions of bank checks to banks in a check-clearing process;
b) using some digitized versions to print paper versions;
c) delivering paper versions to recipients; and
d) in response to requests from recipients, or transferees of recipients, verifying content of paper versions. - View Dependent Claims (2, 3, 4, 5)
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6. A method of operating a clearing system for bank checks, comprising:
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a) digitizing bank checks, drawn on multiple banks, into respective digital counterparts;
b) generating a table containing selected information from each check; and
c) distributing the digitized checks to banks on which the checks are drawn. - View Dependent Claims (7, 8)
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9. A method, comprising:
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a) maintaining a check-clearing system which collects paper bank checks after initial deposit, each paper bank check being drawn on a drawee-bank, b) for each paper check collected, creating a data version from which an accurate representation of the paper check is recoverable;
c) placing the paper checks into storage;
d) sending the data versions to respective drawee-banks;
e) using some of the data versions, i) recovering accurate paper representations of the corresponding paper checks;
ii) causing each paper representation to bear a unique serial number, wherein no two serial numbers are alike;
iii) sending the recovered paper representations to recipients, some of which comprises drawee banks of the respective checks; and
f) storing selected information contained in the paper representations into a database. - View Dependent Claims (10, 11, 12, 13)
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14. In a system wherein a check clearing system (A) collects deposited bank checks, (B) creates digital images of collected checks, and (C) distributes the digital images to banks, a method comprising:
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a) generating a paper representation of a check from its corresponding digital image, and sending the paper representation to a requesting party;
b) maintaining a record of information printed on the paper representation; and
c) when the paper representation is identified by a party, transmitting the information to the party. - View Dependent Claims (15)
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16. In a check-clearing system, the improvement comprising:
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a) digitizing paper checks into digitized versions;
b) printing some paper checks from the corresponding digitized versions;
c) storing in a database information printed onto the paper checks; and
d) making the database available to holders of the printed checks.
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Specification