Aggregation of Check Image Data

• US 20080080760A1
• Filed: 09/28/2007
• Published: 04/03/2008
• Est. Priority Date: 09/28/2006
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Briggs, Garrett, Ronca, James
• Granted Patent: US 7,940,979 B2
• Time in Patent Office: Days
• US Class Current: 382/137
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"

Abstract

A method includes receiving a request for a first check image and a second check image. The request includes a first identifier associated with the first check image and a second identifier associated with the second check image. The method further includes retrieving the first check image using the first identifier. The method also includes retrieving the second check image using the second identifier. The method further includes transmitting the first check image and the second check image in response to the request.

Claims

1. A method comprising:

receiving a request for a first check image and a second check image, wherein the request comprises a first identifier associated with the first check image and a second identifier associated with the second check image;

retrieving the first check image using the first identifier;

retrieving the second check image using the second identifier; and

transmitting the first check image and the second check image in response to the request.

2. The method of claim 1, wherein retrieving the first check image comprises retrieving the first check image from a first banking entity, and wherein retrieving the second check image comprises retrieving the second check image from a second banking entity.

3. The method of claim 1, wherein retrieving the first check image comprises retrieving the first check image from a banking entity, and wherein retrieving the second check image comprises retrieving the second check image from the banking entity.

4. The method of claim 1, further comprising:

receiving the first identifier in response to a first electronic draft;

storing the first identifier;

receiving a second identifier in response to a second electronic draft;

storing the second identifier.

5. The method of claim 4, wherein the first electronic draft comprises at least one of:

an automated clearing house (ACH) transaction and a deposited check truncation (DCT) transaction.

6. The method of claim 1, wherein the first identifier comprises at least one of:

a universal resource locator (URL) or magnetic ink character recognition (MICR) line data.

7. The method of claim 1, wherein retrieving the first check image comprises:

transmitting a request to a banking entity for the first check image, wherein the request to the banking entity comprises at least a portion of the first identifier; and

receiving the first check image from the banking entity in response to the request to the banking entity.

8. The method of claim 7, wherein the request to the banking entity is formatted to conform with a format associated with the banking entity.

9. The method of claim 1, wherein the first check image is retrieved from a certified check access provider.

10. The method of claim 1, further comprising verifying an identity associated with the request for the first and second check images;

and wherein retrieving the first check image comprises determining whether the identity is associated with a permission to retrieve the first check image.

11. A computer readable media having instructions for a processor for performing operations comprising:

receiving a request for a first check image and a second check image, wherein the request comprises a first identifier associated with the first check image and a second identifier associated with the second check image;

retrieving the first check image using the first identifier;

retrieving the second check image using the second identifier; and

transmitting the first check image and the second check image in response to the request.

12. The computer readable media of claim 11, wherein retrieving the first check image comprises retrieving the first check image from a first banking entity, and wherein retrieving the second check image comprises retrieving the second check image from a second banking entity.

13. The computer readable media of claim 11, wherein retrieving the first check image comprises retrieving the first check image from a banking entity, and wherein retrieving the second check image comprises retrieving the second check image from the banking entity.

14. The computer readable media of claim 11 having instructions further comprising:

receiving the first identifier in response to a first electronic draft;

storing the first identifier;

receiving a second identifier in response to a second electronic draft;

storing the second identifier.

15. The computer readable media of claim 11, wherein the first electronic draft comprises at least one of:

an automated clearing house (ACH) transaction and a deposited check truncation (DCT) transaction.

16. The computer readable media of claim 11, wherein the first identifier comprises at least one of:

a universal resource locator (URL) or magnetic ink character recognition (MICR) line data.

17. The computer readable media of claim 11, wherein retrieving the first check image comprises:

transmitting a request to a banking entity for the first check image, wherein the request to the banking entity comprises at least a portion of the first identifier; and

receiving the first check image from the banking entity in response to the request to the banking entity.

18. The computer readable media of claim 11 having instructions further comprising verifying an identity associated with the request for the first and second check images;

and wherein retrieving the first check image comprises determining whether the identity is associated with a permission to retrieve the first check image.

19. A system for aggregation of check image data, comprising:

memory operable to store a plurality of image identifiers; and

one or more processors communicatively coupled to the memory, operable to;

receive a request for a first check image and a second check image, wherein the request comprises a first identifier associated with the first check image and a second identifier associated with the second check image;

retrieve the first check image using the first identifier;

retrieve the second check image using the second identifier; and

transmit the first check image and the second check image in response to the request.

20. The system of claim 19, wherein the processor is further operable to retrieve the first check image from a first banking entity, and retrieve the second check image from a second banking entity.

21. The system of claim 20, wherein the first check image is retrieved using a request to the first banking entity, wherein the request comprises a format associated with the banking entity.

22. The system of claim 19, wherein the first identifier comprises at least one of:

a universal resource locator (URL) or magnetic ink character recognition (MICR) line data.

23. The system of claim 19, the first check image is retrieved from a certified check access provider.

24. The system of claim 19, wherein the processor is further operable to verify an identity associated with the request for the first and second check images;

and determine whether the identity is associated with a permission to retrieve the first check image.