System and method for providing a distributed decisioning environment for processing of financial transactions
First Claim
1. A method for digital decision processing of captured transaction data in a distributed decisioning environment, the captured transaction data based on an original paper transaction and including at least a digital image of the original paper transaction, the method comprising the steps implemented on a computer processor of:
- receiving the captured transaction data, the received captured transaction data configured to reflect a first decision result of a first decisioning process using a primary decisioning filter having at least one first filter type;
storing the captured transaction data in a storage;
analyzing the received captured transaction data to produce a result indicating if further decision processing is needed to determine a settlement path suitable for the received captured transaction data;
implementing at least one further processing step based on the result, the further processing step selected from,a) determining the settlement path for the received captured transaction data if no further decision processing is needed by a second decisioning process, andb) applying the second decisioning process to the received captured transaction data by a secondary decisioning filter having at least one second filter type; and
assigning the settlement path to the received captured transaction data for storage in a database.
2 Assignments
0 Petitions
Accused Products
Abstract
A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance. The host system can make use of a data buffer system for coordinating the storage of the digital representations in the host system as well as coordinating the respective settlement process, a distributed decisioning environment for assisting the host system in decisioning of the digital representations, and a hierarchy for coordinating the configuration of the host and client systems as well as coordinating the settlement process for the digital representations.
148 Citations
38 Claims
-
1. A method for digital decision processing of captured transaction data in a distributed decisioning environment, the captured transaction data based on an original paper transaction and including at least a digital image of the original paper transaction, the method comprising the steps implemented on a computer processor of:
-
receiving the captured transaction data, the received captured transaction data configured to reflect a first decision result of a first decisioning process using a primary decisioning filter having at least one first filter type; storing the captured transaction data in a storage; analyzing the received captured transaction data to produce a result indicating if further decision processing is needed to determine a settlement path suitable for the received captured transaction data; implementing at least one further processing step based on the result, the further processing step selected from, a) determining the settlement path for the received captured transaction data if no further decision processing is needed by a second decisioning process, and b) applying the second decisioning process to the received captured transaction data by a secondary decisioning filter having at least one second filter type; and assigning the settlement path to the received captured transaction data for storage in a database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A system for digital decision processing of captured transaction data in a distributed decisioning environment, the captured transaction data based on an original paper transaction and including at least a digital image of the original paper transaction, the system comprising:
-
a processor; a memory for storing the captured transaction data; a capture module implemented on the processor for receiving the captured transaction data, the received captured transaction data configured to reflect a first decision result of a first decisioning process using a primary decisioning filter having at least one first filter type; a decisioning engine implemented on the processor for analyzing the received captured transaction data to produce a result indicating if further decision processing is needed to determine a settlement path suitable for the received captured transaction data and for implementing at least one further processing step based on the result, the further processing step selected from, a) determining the settlement path for the received captured transaction data if no further decision processing is needed by a second decisioning process, and b) applying the second decisioning process to the received captured transaction data by a secondary decisioning filter having at least one second filter type; and a settlement path module implemented on the processor for assigning the settlement path to the received captured transaction data for storage in a database. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
-
-
21. An administration method for dynamically configuring a host system and a plurality of client systems coupled to the host system, the host and client systems for providing a distributed decisioning environment for processing captured paper transaction data based on an original paper transaction and including at least a digital image of the original paper transaction, the client system participating in the generation of the captured paper transaction data, the method comprising the steps implemented on a computer processor of:
-
accessing a set of configuration parameters stored in a memory including a plurality of decision filter types for use in configuring a plurality of decisioning engines of the distributed decisioning environment; selecting from the set of configuration parameters a primary decisioning filter having at least one of the plurality of the decision filter types, the primary decisioning filter configured for configuring at least one primary decisioning engine of the client systems, the primary decisioning engine one of the plurality of decisioning engines; and providing the primary decisioning filter to at least one of the client systems for use in configuring the at least one primary decisioning engine. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
-
-
31. An administration system for dynamically configuring a host system and a plurality of client systems coupled to the host system, the host and client systems for providing a distributed decisioning environment for processing captured paper transaction data based on an original paper transaction and including at least a digital image of the original paper transaction, the client system participating in the generation of the captured paper transaction data, the system comprising:
-
a processor; a memory for storing a set of configuration parameters including a plurality of decision filter types for use in configuring a plurality of decisioning engines of the distributed decisioning environment; a selection module implemented on the processor for selecting from the set of configuration parameters a primary decisioning filter having at least one of the plurality of the decision filter types, the primary decisioning filter configured for configuring at least one primary decisioning engine of the client systems, the primary decisioning engine one of the plurality of decisioning engines; and an implementation module implemented on the processor for providing the primary decisioning filter to at least one of the client systems for use in configuring the at least one primary decisioning engine. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38)
-
Specification