Lockbox imaging system

• US 7,068,832 B1
• Filed: 05/11/2000
• Issued: 06/27/2006
• Est. Priority Date: 05/11/1999
• Status: Expired due to Term

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: The Chase Manhattan Bank (JP Morgan Chase & Co)
• Inventors: Mathur, Sumit, Mao, Paul, Price, Joanne
• Primary Examiner(s): Couso, Jose L.
• Assistant Examiner(s): Lu, Tom Y.
• Application Number:
  US09/569,179
• Time in Patent Office: 2,238 Days
• Field of Search: 382135-140, 382/100, 382320-321, 235/379, 235/454, 707/35, 705/1, 705/33, 705/45
• US Class Current: 382/137
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06V 10/10 Image acquisition document image scanning and transmission H04N1/00; control of digital cameras H04N23/60

Abstract

A system and method for imaging and capturing information from checks and documents contained in a lockbox remittance. A computer workstation is used to generate and print a header sheet that includes information identifying the check. The header sheet is appended to the front of the documents and the document are imaged using a scanner. Identifying information from each of the documents is used to create a data record for each document. In parallel to the scanning of the documents, the checks are scanned and images are created for each of the checks. Additionally, identifying information from each of the checks (e.g., the check number, the amount, etc.) is manually input into a database, thus creating a data record for each check. Once all of the data entry and scanning has been completed, an automatic association process takes place in which the check data records, the check images, the document data records and the document images are all automatically associated and cross-referenced such that the system recreates an electronic version of the original batch of physical papers. All of the associated data and images are contained in a database, from which all of the information for a lockbox customer can be electronically retrieved over the Internet.

Claims

1. A lockbox processing method comprising the steps of:

receiving a check and at least one document associated the check, the check and at least one document forming a group, the check having a check number associated therewith;

generating identifying information, the identifying information containing at least the check number;

optically scanning at least one document to generate a document image;

associating the document image with the identifying information;

optically scanning the check to generate a check image;

generating a check data record containing at least the check number;

generating a document data record containing document information that identifies at least one document; and

logically associating the check data record, the document data record, the check image and the document image;

wherein the step of generating the identifying information further comprises the steps of;

encoding the identifying information into a bar code;

printing the bar code on a header sheet;

optically scanning the header sheet to generate a header sheet image; and

performing a bar code recognition process on the header sheet image to recognize the identifying information.

2. The method of claim 1, wherein the step of associating the document image with the identifying information further comprises the steps of:

using the identifying information to generate a key;

and appending the key to the document image.

3. The method of claim 1, wherein the step of logically associating the check data record, the document data record, the check image and the document image is automatic.

4. The method of claim 1, further comprising the step of providing a customer with access to the check data records, the document data records, the check images and the document images associated with the customer.

5. The method of claim 1, wherein there are a plurality of documents associated with the check, the method further comprising the steps of:

optically scanning the plurality of documents to generate a plurality of document images;

associating the plurality of document images with the identifying information;

generating a document data record for each of the plurality documents; and

logically associating the check data record, the document data records, the check image and the document images.

6. A lockbox processing method comprising the steps of:

receiving a check and at least one document associated with the check, the check and the at least one document forming a batch, the check having a check number associated therewith;

generating a header sheet containing identifying information, the identifying information containing the check number;

optically scanning the header sheet and the document to generate an image of the document, denoted as a document image, and to generate an image of the header sheet, denoted as a header sheet image;

performing optical character recognition on the header sheet image to thereby recognize the identifying information;

generating a key using the recognized identification identifying information;

associating the key with the document image;

optically scanning the check to generate an image of the check, denoted as a check image;

generating a check data record containing the check number;

generating a document data record containing document information that identifies the document; and

logically associating the check data record, the document data record, the check image and the document image.