Method for communicating and matching electronic files for financial transactions

• US 7,653,234 B2
• Filed: 01/23/2006
• Issued: 01/26/2010
• Est. Priority Date: 05/15/2003
• Status: Active Grant

• Current Assignee: Federal Reserve Bank of Atlanta (Federal Reserve System)
• Original Assignee: Federal Reserve Bank of Atlanta (Federal Reserve System)
• Inventors: McPherson, Bruce Allen, Warren, Joel Edward, McCabe, Kevin Jude, Oursbourn, Danny Shawn, Costello, Thomas Vincent, Niemi, Marilee Jean, Guilbeau, Hugh Francis Jr., Moore, David James, Kumar, Gopa, Rasche, Cynthia Lynne, Beatse, Reed Avon, Becker, Jeremy Philip
• Primary Examiner(s): Le; Brian Q
• Application Number:
  US11/337,323
• Publication Number:
  US 20060140469A1
• Time in Patent Office: 1,464 Days
• Field of Search: 382/137, 382/138, 382/139, 382/140, 382/218, 382/229, 235/375, 235/379, 235/383, 235/385, 705/35, 705/39, 705/45, 705/24, 705 64- 79
• US Class Current: 382/137
• CPC Class Codes: G06Q 10/107 Computer-aided management of electronic mailing [e-mailing]
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Communicating and matching electronic files for a check adjustment case comprises communicating an electronic check adjustment message comprising key data relating to the case, communicating an electronic image of a document to follow (“DTF”) related to the case, associating the key data with the electronic DTF image, determining whether the electronic message'"'"'s key data matches the key data associated with the electronic DTF image, and linking the electronic message to the electronic DTF image in response to a determination that the electronic message'"'"'s key data matches the key data associated with the electronic DTF image. If the DTF image'"'"'s key data does not match the message'"'"'s key data, matching electronic files can comprise correcting errors in the key data associated with the electronic DTF image and performing a secondary match routine. An operator accesses the electronic message and the linked DTF image to resolve the check adjustment case.

Claims

1. A method for communicating and matching electronic files for a check adjustment case, comprising the steps of:

receiving by a computer system an electronic check adjustment text message comprising key data relating to the check adjustment case;

receiving by the computer system an electronic file comprising an image of a document to follow (“

DTF”

) associated with the key data relating to the check adjustment case;

determining by the computer system whether the text message'"'"'s key data matches the key data associated with the image of the DTF; and

linking in the computer system the text message to the image of the DTF in response to a determination that the text message'"'"'s key data matches the key data associated with the image of the DTF.

2. The method according to claim 1, wherein said step of receiving an electronic file comprises the steps of:

receiving a cover page comprising the key data;

receiving the image of the DTF; and

associating the key data from the cover page with the image of the DTF.

3. The method according to claim 2, wherein said step of receiving an electronic file further comprises the steps of:

creating an electronic text file comprising the key data from the cover page; and

creating an electronic DTF image file comprising the image of the DTF, and

wherein said step of determining whether the text message'"'"'s key data matches the key data associated with the image of the DTF comprises determining whether the text message'"'"'s key data matches the key data in the electronic text file.

4. The method according to claim 1, further comprising the step of assigning a check adjustment case number to the text message,

wherein said linking step comprises associating the case number assigned to the text message with the image of the DTF.

5. The method according to claim 1, further comprising the steps of correcting errors in the key data associated with the image of the DTF and performing a secondary match routine to determine whether the text message'"'"'s key data matches the corrected key data, in response to a determination that the key data associated with the image of the DTF does not match the text message'"'"'s key data,

wherein said step of linking the text message to the image of the DTF is performed in response to a determination that the corrected key data matches the text message'"'"'s key data.

6. The method according to claim 5, wherein said step of correcting errors in the key data associated with the image of the DTF comprises treating groups of characters in the key data as the same character.

7. The method according to claim 6, wherein the groups of characters treated as the same character comprise (a) 1, {,}, [,], |, I, i, L, l, !;

(b) 2, Z, z;

(c) G, C, c;

(d) 0, O, o;

(e) B, 8; and

(f) S, s, $, 5.

8. The method according to claim 6, wherein said step of correcting errors in the key data associated with the image of the DTF further comprises removing characters other than letters and numbers from the key data.

9. The method according to claim 6, wherein said step of correcting errors in the key data associated with the image of the DTF further comprises determining whether the text message'"'"'s key data comprises a different field length than the key data associated with the image of the DTF, and reducing the longer field to equal the shorter field in response to a determination that the text message'"'"'s key data comprises a different field length than the key data associated with the image of the DTF.

10. The method according to claim 6, wherein said step of correcting errors in the key data associated with the image of the DTF further comprises converting letters in the key data to a common case.

11. The method according to claim 6, wherein said step of correcting errors in the key data associated with the image of the DTF further comprises:

removing characters other than letters and numbers from the key data;

removing spaces from the key data;

determining whether the text message'"'"'s key data comprises a different field length than the key data associated with the image of the DTF, and reducing the longer field to equal the shorter field in response to a determination that the text message'"'"'s key data comprises a different field length than the key data associated with the image of the DTF; and

converting letters in the key data to a common case.

12. The method according to claim 1, wherein said step of receiving an electronic file comprises the steps of:

receiving a facsimile cover page comprising the key data;

receiving a facsimile image of the DTF;

creating an electronic text file comprising the key data from the facsimile cover page;

creating an electronic DTF image file comprising the facsimile image of the DTF; and

associating the text file with the DTF image file.

13. The method according to claim 12, wherein said associating step comprises creating an index table that associates the key data from the text file with the DTF image file.

14. The method according to claim 13, further comprising the step of accessing the linked text message and the image of the DTF to resolve the cheek adjustment case.

15. The method according to claim 13, wherein the key data related to the cheek adjustment case comprises at least one data element selected from the group consisting of a routing number of an agency requesting the check adjustment case, a check adjustment amount, an internal reference number assigned by the requesting agency, an investigation type, and a cash letter date.

16. The method according to claim 13, further comprising the step of assigning a unique reference number to the DTF image file,

wherein said linking step further comprises associating the unique reference number assigned to the DTF image file with the text message.

17. The method according to claim 16, further comprising the step of accessing the DTF image file through the association provided by the unique reference number assigned to the DTF image file and associated with the text message.

18. A computer-readable medium having embodied therein computer-executable instructions that when executed cause a computer to implement a process for communicating and matching electronic files for a check adjustment case, which comprises the steps of:

receiving an electronic check adjustment text message comprising key data relating to the check adjustment case;

receiving an electronic file comprising an image of a document to follow (“

DTF”

) associated with the key data relating to the check adjustment case;

determining whether the text message'"'"'s key data matches the key data associated with the image of the DTF; and

linking the text message to the image of the DTF in response to a determination that the text message'"'"'s key data matches the key data associated with the image of the DTF.

19. A method for communicating and matching electronic files for a transaction, comprising the steps of:

receiving by a computer system an electronic text message comprising key data relating to the transaction;

receiving by the computer system an electronic file comprising an image of a document associated with the key data relating to the transaction;

determining by the computer system whether the text message'"'"'s key data matches the key data associated with the image of the document; and

linking in the computer system the text message to the image of the document in response to a determination that the text message'"'"'s key data matches the key data associated with the image of the document.

20. The method according to claim 19, wherein said step of receiving an electronic file comprises the steps of:

receiving an electronic image of a cover page comprising the key data;

receiving the image of the document; and

associating the key data from the cover page image with the image of the document.

21. The method according to claim 19, further comprising the step of assigning a transaction reference number to the text message,

wherein said linking step comprises associating the reference number assigned to the text message with the image of the document.

22. The method according to claim 19, further comprising the steps of correcting errors in the key data associated with the image of the document and performing a secondary match routine to determine whether the text message'"'"'s key data matches the corrected key data, in response to a determination that the key data associated with the image of the document does not match the text message'"'"'s key data,

wherein said step of linking the text message to the image of the document is performed in response to a determination that the corrected key data matches the text message'"'"'s key data.

23. The method according to claim 22, wherein said step of correcting errors in the key data associated with the image of the document comprises treating groups of characters in the key data as the same character.

24. The method according to claim 23, wherein the groups of characters treated as the same character comprise (a) 1, {,}, [,], |, I, i, L, l, !;

(b) 2, Z, z;

(c) G, C, c;

(d) 0, O, o;

(e) B, 8; and

(f) S, s, $, 5.

25. The method according to claim 23, wherein said step of correcting errors in the key data associated with the image of the document further comprises removing spaces from the key data.

26. The method according to claim 23, wherein said step of correcting errors in the key data associated with the image of the document further comprises determining whether the text message'"'"'s key data comprises a different field length than the key data associated with the image of the document, and reducing the longer field to equal the shorter field in response to a determination that the text message'"'"'s key data comprises a different field length than the key data associated with the image of the document.

27. The method according to claim 23, wherein said step of correcting errors in the key data associated with the image of the document further comprises converting letters in the key data to a common case.

28. The method according to claim 23, wherein said step of correcting errors in the key data associated with the image of the document further comprises:

removing characters other than letters and numbers from the key data;

removing spaces from the key data;

determining whether the text message'"'"'s key data comprises a different field length than the key data associated with the image of the document, and reducing the longer field to equal the shorter field in response to a determination that the text message'"'"'s key data comprises a different field length than the key data associated with the image of the document; and

converting letters in the key data to a common case.

29. The method according to claim 19, wherein said step of receiving an electronic file comprises the steps of:

receiving a facsimile cover page comprising the key data;

receiving a facsimile image of the document;

creating an electronic text file comprising the key data from the facsimile cover page;

creating an electronic document image file comprising the facsimile image of the document; and

associating the text file with the document image file.

30. The method according to claim 29, wherein said associating step comprises creating an index table that associates the key data from the text file with the document image file.

31. The method according to claim 30, further comprising the step of accessing the linked text message and document image file to resolve the transaction.

32. The method according to claim 30, further comprising the step of assigning a unique reference number to the document image file,

wherein said linking step further comprises associating the unique reference number assigned to the document image file with the text message.

33. The method according to claim 32, further comprising the step of accessing the document image file through the association provided by the unique reference number assigned to the document image file and associated with the text message.

34. The method according to claim 19, wherein the transaction comprises a check adjustment case.

35. A computer-readable medium having embodied therein computer-executable instructions that when executed cause a computer to implement a process for communicating and matching electronic files for a transaction, which comprises the steps of:

receiving an electronic text message comprising key data relating to the transaction;

receiving an electronic file comprising an image of a document associated with the key data relating to the transaction;

determining whether the text message'"'"'s key data matches the key data associated with the image of the document; and

linking the text message to the image of the document in response to a determination that the text message'"'"'s key data matches the key data associated with the image of the document.

36. A method for communicating and matching electronic files for a check adjustment case, comprising the steps of:

communicating an electronic check adjustment text message comprising key data relating to the check adjustment case;

communicating an electronic image of a document to follow (“

DTF”

) associated with the key data relating to the check adjustment case;

determining by a computer system whether the electronic text message'"'"'s key data matches the electronic DTF image'"'"'s key data; and

linking in the computer system the electronic text message to the electronic DTF image in response to a determination that the electronic text message'"'"'s key data matches the electronic DTF image'"'"'s key data.

37. The method according to claim 36, further comprising the step of accessing the linked electronic text message and electronic DTF image to resolve the check adjustment case.

38. The method according to claim 36, wherein the key data relating to the check adjustment case comprises a routing number of an agency requesting the check adjustment case, a check adjustment amount, an internal reference number assigned by the requesting agency, an investigation type, and a cash letter date.

39. The method according to claim 36, further comprising the step of assigning a check adjustment case number to the text message,

wherein said linking step comprises associating the case number assigned to the text message with the DTF image.

40. The method according to claim 36, further comprising the steps of correcting errors in the key data associated with the DTF image and performing a secondary match routine to determine whether the DTF image'"'"'s corrected key data matches the text message'"'"'s key data, in response to a determination that the DTF image'"'"'s key data does not match the text message'"'"'s key data,

wherein said step of linking the text message to the DTF image is performed in response to a determination that the DTF image'"'"'s corrected key data matches the text message'"'"'s key data.

41. The method according to claim 36, wherein said step of communicating an electronic DTF image comprises the steps of:

communicating a facsimile cover page comprising the key data; and

communicating a facsimile image of the DTF,

wherein said method further comprises the steps of;

creating an electronic text file comprising the key data from the cover page;

creating an electronic DTF image file comprising the facsimile image of the DTF; and

associating the text file and the DTF image file.

42. The method according to claim 41, wherein said associating step comprises creating an index table that associates the key data from the text file with the DTF image file.

43. The method according to claim 42, further comprising the step of accessing the linked text message and DTF image file to resolve the check adjustment case.

44. The method according to claim 42, wherein the key data related to the check adjustment case comprises at least one data element selected from the group consisting of a routing number of an agency requesting the check adjustment case, a check adjustment amount, an internal reference number assigned by the requesting agency, an investigation type, and a cash letter date.

45. The method according to claim 42, further comprising the step of assigning a unique reference number to the DTF image file,

wherein said linking step further comprises associating the unique reference number assigned to the DTF image file with the text message.

46. The method according to claim 45, further comprising the step of accessing the DTF image file through the association provided by the unique reference number assigned to the DTF image file and associated with the text message.

47. A system for communicating and matching electronic files for a transaction, comprising the steps of:

means for receiving an electronic text message comprising key data relating to the transaction;

means for receiving an electronic file comprising an image of a document associated with the key data relating to the transaction;

means for determining whether the text message'"'"'s key data matches the key data associated with the image of the document; and

means for linking the text message to the image of the document in response to a determination that the text message'"'"'s key data matches the key data associated with the image of the document.

48. The system according to claim 47, wherein said means for receiving an electronic file receives the electronic file by:

receiving an electronic image of a cover page comprising the key data;

receiving the image of the document; and

associating the key data from the cover page image with the image of the document.

49. The system according to claim 47, further comprising means for assigning a transaction reference number to the text message,

wherein said means for linking links the text message to the image of the document by associating the reference number assigned to the text message with the image of the document.

50. The system according to claim 47, further comprising means for correcting errors in the key data associated with the image of the document, in response to a determination that the key data associated with the image of the document does not match the text message'"'"'s key data;

and means for performing a secondary match routine to determine whether the text message'"'"'s key data matches the corrected key data,

wherein said means for linking links the text message to the image of the document in response to a determination that the corrected key data matches the text message'"'"'s key data.

51. The system according to claim 47, wherein said means for receiving an electronic file receives the electronic file by:

receiving a facsimile cover page comprising the key data;

receiving a facsimile image of the document;

creating an electronic text file comprising the key data from the facsimile cover page;

creating an electronic document image file comprising the facsimile image of the document; and

associating the text file with the document image file.

52. The system according to claim 51, wherein said means for associating comprises an index table that associates the key data from the text file with the document image file.

53. The system according to claim 47, wherein the transaction comprises a check adjustment case.

54. A system for communicating and matching electronic files for a check adjustment case, comprising:

a check adjustment server that receives an electronic check adjustment message comprising key data relating to the check adjustment case and to store a plurality of electronic check adjustment messages;

an archive that receives an electronic image of a document to follow (“

DTF”

) comprising the key data relating to the check adjustment case and to store a plurality of electronic DTF images and associated key data for each electronic DTF image,

wherein said check adjustment server determines whether a stored electronic message'"'"'s key data matches a stored electronic DTF image'"'"'s key data, and to link the respective electronic message to the respective electronic DTF image in response to a determination that the message'"'"'s key data matches the DTF image'"'"'s key data.

55. The system according to claim 54, wherein said check adjustment server assigns a check adjustment case number to the received check adjustment message, and

wherein said check adjustment server links the respective electronic message to the respective electronic DTF image by associating the case number assigned to the electronic check adjustment message with the electronic DTF image.

56. The system according to claim 54, wherein said check adjustment server receives the electronic DTF image from a facsimile machine or a scanner.

57. The system according to claim 54, further comprising a facsimile/OCR server that:

receives the electronic DTF image and an electronic image of a cover page that comprises the key data relating to the check adjustment case;

creates, from the key data in the electronic cover page image, an electronic text file comprising the key data;

creates an electronic DTF image file comprising the DTF image; and

communicates the electronic text and DTF image files to said archive,

wherein said archive stores the electronic DTF image by storing the electronic DTF image file, and to receive the electronic text file, to parse the key data from the electronic text file, and to associate the parsed key data with the respective DTF image file stored in said archive.

58. The system according to claim 57, wherein the key data relating to the check adjustment case comprises a routing number of the agency requesting the check adjustment case, a check adjustment amount, an internal reference number assigned by the requesting agency, an investigation type, and a cash letter date.

59. The system according to claim 57, wherein said check adjustment server corrects errors in the key data associated with an electronic DTF image, in response to a determination that the DTF image'"'"'s key data does not match the message'"'"'s key data, and to perform a secondary match routine to determine whether the text message'"'"'s key data matches the corrected key data,

wherein said means for linking links the text message to the image of the document in response to a determination that the corrected key data matches the text message'"'"'s key data.

60. The system according to claim 57, wherein said archive assigns a unique reference number to the stored DTF image, and

wherein said check adjustment server associates the unique reference number with the stored check adjustment message linked to the stored DTF image.