Check image access system
First Claim
1. A method of recording and perusing financial transaction information comprising the steps of:
- providing an index generating software program to a financial institution for use on a first computer, the index generating software program being operable to generate a downloadable index of images of cleared checks; and
providing a customer of the financial institution with complementary software for use on a second computer, the complementary software being operable to remotely download the downloadable index of images of cleared checks, together with the images of the cleared checks, and to display the images of the cleared checks.
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Accused Products
Abstract
Systems and methods of processing financial transaction information are provided. In one embodiment, a financial institution runs an index generating software program to generate a downloadable index of images of cleared checks. The account customer uses complementary software to remotely download, search, and display the index of cleared check images, together with the images themselves. In another embodiment, the financial institution periodically runs a software program to generate digital archives of the cleared check images for the account customer. The account customer is provided with secure online access to the digital archives. The account customer may use standard financial bookkeeping software to download and display the cleared check images and associate the cleared check images with transactions in the associated account registers.
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Citations
32 Claims
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1. A method of recording and perusing financial transaction information comprising the steps of:
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providing an index generating software program to a financial institution for use on a first computer, the index generating software program being operable to generate a downloadable index of images of cleared checks; and
providing a customer of the financial institution with complementary software for use on a second computer, the complementary software being operable to remotely download the downloadable index of images of cleared checks, together with the images of the cleared checks, and to display the images of the cleared checks. - View Dependent Claims (2, 3, 4, 5)
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6. A method of recording and perusing financial transaction information comprising the steps of:
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providing a checking account customer of a financial institution with access over a network to images of checks that have cleared the customer'"'"'s checking account;
providing the checking account customer with a financial transaction bookkeeping software program for use on a computer, the financial transaction bookkeeping software program being operable to;
set up a checking account ledger for recording the customer'"'"'s checking account transactions;
download and store copies of the cleared check images; and
provide the customer with access to the stored copies of the cleared check images through the checking account ledger. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13, 14)
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15. A financial transaction indexing system comprising:
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index generating software residing on a remote computer serving a financial institution, the index generating software being operable to generate an index of images of cleared checks maintained for the financial institution; and
an index downloading software module residing on a personal computer serving a customer of the financial institution, the software module being operable to remotely access and download the index together with the cleared check images to the customer'"'"'s personal computer. - View Dependent Claims (16, 17, 18, 19, 20)
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21. A method of preparing and transmitting financial transaction information from a financial institution to an account customer of the financial institution, the method comprising the steps of:
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providing the financial institution with a software program to run on a computer serving the financial institution;
providing the software program with access to digital images of cleared checks drawn from the customer'"'"'s account;
using the software program to periodically generate digital archives of the cleared check images for the account customer;
providing the account customer with secure online access to the digital archives; and
enabling the account customer to download and store the digital archives of cleared check images. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A method for a financial institution to deliver an electronic financial statement to a customer including financial check and transaction images and a searchable index, comprising the steps of:
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creating images of a financial account customer'"'"'s checks and transactions that have cleared the customer'"'"'s financial account;
creating a search index of preselected check information that is linked to the corresponding images of a financial account customer'"'"'s checks and transactions; and
downloading the images and index from the financial institution into a computer software application on the customer'"'"'s computer system that allows the customer to search the preselected fields and view any of the corresponding check images. - View Dependent Claims (32)
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Specification