Transmission of check images by way of a public switched telephone network

• US 5,373,550 A
• Filed: 10/13/1992
• Issued: 12/13/1994
• Est. Priority Date: 10/13/1992
• Status: Expired due to Term

• Current Assignee: American Telephone & Telegraph Company (AT&T, Inc.)
• Original Assignee: AT&T Corporation (AT&T, Inc.)
• Inventors: Campbell, Walter G., Garland, Charles J., Hollowell, David A., Orleanski, Robert, Wegrzynowicz, Carol A.
• Primary Examiner(s): Kuntz, Curtis
• Assistant Examiner(s): Woo, Stella L.
• Application Number:
  US07/959,588
• Time in Patent Office: 791 Days
• Field of Search: 379/100, 379/53, 379/91, 379/96, 379/97, 379/98, 379/93, 364/408, 364/401, 364/400, 235/379, 340/825.3, 340/825.35, 358/85
• US Class Current: 379/100.11
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• 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 20/305 using wired telephone networks
• CPC Class Codes: H04L 65/1101 Session protocols
• CPC Class Codes: H04L 67/00 Network arrangements or protocols for supporting network services or applications user-to-user messaging H04L51/00; network arrangements, protocols or services for supporting real-time applications in data packet communications networks H04L65/00
• CPC Class Codes: H04L 69/329 in the application layer [OSI layer 7]

Abstract

Checks used to effectuate commercial and private transactions may be cleared through the banking system by transporting images of those checks between sending institutions and receiving institutions in forward and reverse flow paths between banks of first deposit and payor banks. The check images are transported through a public switched telephone network which contains a special check imaging node which provides a network based check clearing service for customers of telephone network. The check imaging node receives images of checks from institutions which subscribe to this service and routes those images through the telephone network to intended subscriber and non-subscriber recipients. Transmission of check images through a public switched telephone network may completely replace existing check clearance procedures or may be used in conjunction with existing procedures.

Claims

1. A public switched telephone network, comprising:

at least one check clearance services node which receives an image of a check from a check clearance service subscriber connected to the network and routes that image to a recipient connected to the network;

a storage device for storing a plurality of check images received by the node;

a database containing information relating to each of the subscribers to the services provided by the node and information about potential recipients of check images from the node; and

a node controller which is responsive to information contained in the database for storing check images in the storage device and routing check images to recipients through the public switched telephone network.

2. The apparatus of claim 1, in which the public switched telephone network comprises a public switched telephone network provided by a local exchange carrier.

3. The apparatus of claim 1, in which the public switched telephone network comprises a long distance public switched telephone network.

4. The apparatus of claim 1, in which the public switched telephone network comprises a long distance public switched telephone network accessed by way of a public switched telephone network provided by a local exchange carrier.

5. The apparatus of claim 1, in which the public switched telephone network is a packet network.

6. The apparatus of claim 1, in which the public switched network is a frame relay network.

7. The apparatus of claim 1, in which the public switched network is a circuit switched network.

8. The apparatus of claim 1, in which the subscriber is connected to the public switched telephone network by way of a dial up connection.

9. The apparatus of claim 1, in which the subscriber is connected to the public switched telephone network by a dedicated private connection.

10. The apparatus of claims 1, in which the subscriber is connected to the public switched telephone network by way of a digital connection operating at a bit rate of 2400 bits per second to about 1.544 megabits per second.

11. The apparatus of claim 1, in which the node comprises:

a means for storing information relating to customer profiles and destinations of check images.

12. The apparatus of claim 11, in which the node further comprises:

a means for storing images of checks for predetermined time periods.

13. The apparatus of claim 12, in which the node further comprises:

a means for controlling access to information in the storing means.

14. The apparatus of claim 1, in which the node comprises:

a means for convening signals produced by the subscriber in a first format to signals for the recipient in a second format.

15. The apparatus of claim 14, in which the convening means comprises:

a means for convening signals produced by the subscriber in accordance with a first encryption algorithm to signals encrypted in accordance with a second encryption algorithm for the recipient.

16. The apparatus of claim 1, in which the node comprises a node controller for controlling the operation of the node and for routing received check images to intended destinations in the node and in the public switched telephone network.