Financial statement and transaction image delivery and access system
First Claim
Patent Images
1. A computer-implemented method of processing, indexing, packaging, and delivering imaged check information to customers of a financial institution, the method comprising:
- computer generating hypertext-formatted periodic transaction statements for each customer or customer account;
computer generating check image files for each cleared check listed in the periodic transaction statement;
computer generating hypertext links between the check numbers listed on the hypertext-formatted periodic transaction statements and the corresponding cleared check images;
for each hypertext-formatted periodic transaction statement, computer generating a searchable index of the corresponding cleared check images, the searchable index pertaining specifically and exclusively to that customer or customer account;
computer generating an archive file containing the hypertext-formatted periodic transaction statement, the corresponding cleared check images, and the searchable index;
delivering the archive file to the corresponding customer over the Internet; and
providing customers with a client-based application program for installation on their computers, the program being operable to open up the archive file, extract and store the contents locally, and make the contents and index available for viewing and searching within the client-based application program.
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Abstract
A system and method is provided for processing, indexing, packaging, and delivering financial statements and the corresponding transaction document images to customers on a periodic basis. A cooperating system is provided for the customer to efficiently search and access those images from the customer'"'"'s workstation.
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Citations
25 Claims
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1. A computer-implemented method of processing, indexing, packaging, and delivering imaged check information to customers of a financial institution, the method comprising:
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computer generating hypertext-formatted periodic transaction statements for each customer or customer account; computer generating check image files for each cleared check listed in the periodic transaction statement; computer generating hypertext links between the check numbers listed on the hypertext-formatted periodic transaction statements and the corresponding cleared check images; for each hypertext-formatted periodic transaction statement, computer generating a searchable index of the corresponding cleared check images, the searchable index pertaining specifically and exclusively to that customer or customer account; computer generating an archive file containing the hypertext-formatted periodic transaction statement, the corresponding cleared check images, and the searchable index; delivering the archive file to the corresponding customer over the Internet; and providing customers with a client-based application program for installation on their computers, the program being operable to open up the archive file, extract and store the contents locally, and make the contents and index available for viewing and searching within the client-based application program. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer-implemented method of processing, indexing, packaging, and delivering imaged check information to a customer of a financial institution that, on a monthly basis, and on any of a number of given days of a month, generates a statement batch file of monthly transaction statements for a group of customers or accounts for which statements are routinely prepared on that given day of the month, the method comprising:
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retrieving through a computer a composite statement batch file of monthly transaction statements for a group of customers or accounts for which statements are routinely prepared on a given day of the month; converting through a computer the composite statement batch file into hypertext-formatted monthly transaction statements for each customer or account; retrieving through a computer a composite check image archive that contains cleared check images corresponding to the monthly transaction statements in the composite statement batch file; converting through a computer the composite check image archive into check image files for each cleared check; identifying through a computer the check image files that correspond to each hypertext-formatted monthly transaction statement; computer generating hypertext links between the check numbers listed on the hypertext-formatted monthly transaction statements and the corresponding cleared check images; for each hypertext-formatted monthly transaction statement, computer generating a searchable index of the corresponding cleared check images, the searchable index pertaining specifically and exclusively to that customer or customer account; computer generating an archive file containing the hypertext-formatted monthly transaction statement, the corresponding cleared check images, and the searchable index; delivering the archive file to the corresponding customer over the Internet; and providing customers with a client-based application program operable to open up the archive file, extract and store the contents locally, and make the contents and index available for viewing and searching within the client-based application program. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A system for processing, indexing, packaging, and delivering imaged financial transaction information to customers of a financial institution that, on a periodic basis, and on any of a number of given days of a period, generates a statement batch file of transaction statements for a group of customers or accounts for which statements are routinely prepared on that given day of the period, the system comprising:
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a system-level program on a computer-readable medium operable to; retrieve a composite statement batch file of transaction statements for a group of customers or accounts for which statements are routinely prepared on a given day of the period; convert the composite statement batch file into hypertext-formatted transaction statements for each customer or account; retrieve a composite processed financial transaction document image archive that contains processed financial transaction document images corresponding to transactions listed in the transaction statements in the composite statement batch file; convert the composite processed financial transaction document image archive into individual financial transaction document image files for each transaction; identify the processed financial transaction document image files that correspond to each hypertext-formatted transaction statement; group each hypertext-formatted transaction statement and its corresponding processed financial transaction document images together; generate hypertext links between the transactions listed on the hypertext-formatted transaction statements and the corresponding processed financial transaction document images; for each hypertext-formatted transaction statement, generate a searchable index of the corresponding processed financial transaction document images, the searchable index pertaining specifically and exclusively to that customer or customer account; generate an archive file containing the hypertext-formatted transaction statement, the corresponding processed financial transaction document images, and the searchable index; and a customer-level program stored on a computer-readable medium that is operable to; open up the archive file, extract and store the contents locally, and make the contents and index available for viewing and searching within the client-based application program. - View Dependent Claims (22, 23, 24, 25)
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Specification