Automated check processing system with check imaging and accounting
First Claim
1. A system for processing checks, comprising:
- an image processing device that receives a paper check, scans the received paper check to create a check image of at least one side of the paper check and obtains check information relating to the scanned paper check;
a communications link over which the check image and obtained check information is communicated; and
an accounting system connected to the communications link and operable to update a funds balance of a financial account associated with the paper check in response to the obtained and communicated check information.
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Accused Products
Abstract
A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past an image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the image scanner and the discrimination unit. The image scanner obtains an image of the documents, obtains an image of a selected area of the documents, and obtains information contained in the selected area of the document. The discrimination unit determines the authenticity of the document. A system controller directs the flows of documents over the transport mechanism.
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Citations
40 Claims
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1. A system for processing checks, comprising:
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an image processing device that receives a paper check, scans the received paper check to create a check image of at least one side of the paper check and obtains check information relating to the scanned paper check;
a communications link over which the check image and obtained check information is communicated; and
an accounting system connected to the communications link and operable to update a funds balance of a financial account associated with the paper check in response to the obtained and communicated check information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for check processing, comprising:
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receiving a paper check;
scanning the received paper check to create a check image of at least one side of the paper check;
obtaining check information relating to the scanned paper check;
communicating the check image and obtained check information; and
updating a funds balance of a financial account associated with the paper check in response to the communicated check information. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A check processing network, comprising:
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a plurality of check imaging devices, each such device receiving paper checks, scanning the received paper checks to create check images of at least one side of the paper checks and obtaining check information relating to the scanned paper checks;
a financial institution accounting system operating to receive the check images and update a funds balance of financial accounts associated with the paper checks in response to the obtained check information; and
a data communications network interconnecting the plurality of check imaging devices and the financial institution accounting system. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40)
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Specification