Systems and methods for displaying negotiable instruments derived from various sources

• US 7,885,451 B1
• Filed: 10/31/2006
• Issued: 02/08/2011
• Est. Priority Date: 10/31/2006
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Gavia, Gabriel Glenn, Walls, Carol Ann
• Primary Examiner(s): AZARIAN, SEYED H
• Application Number:
  US11/591,320
• Time in Patent Office: 1,561 Days
• Field of Search: 382/101, 382/102, 382/112, 382/113, 382/114, 382/115, 382/116, 382135- 14, 382/157, 382/168, 382/180, 382181-193, 382/232, 382/254, 382/274, 382/276, 382/287, 382/292, 382/305, 382/312, 382/321, 705/45, 705/75, 705/70, 235/379
• US Class Current: 382/137
• 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

Abstract

Various systems, methods and computer-readable media with computer-executable instructions are disclosed that display negotiable instruments derived from various sources. For example, a bank member can draft a check and have that check displayed at his banking institution. Additionally, this bank member can also display any other checks that the member has received. In fact, any check that is either credited or debited from the member'"'"'s account can appear as a digital image for inspection by the member. Furthermore, any images of checks residing at other banking institutions can be synchronized with the member'"'"'s institution to amount to a one-stop warehouse for digital images of negotiable instruments for inspection by the member, no matter from where these negotiable instruments may originate.

Claims

1. A system for displaying digital images of negotiable instruments derived from a plurality of sources, comprising:

a first subsystem configured to store a first digital image of a first negotiable instrument at a first institution, wherein said negotiable instrument is deposited at said first institution;

a second subsystem configured to store a second digital image of a second negotiable instrument at a second institution, wherein said negotiable instrument is deposited at said second institution;

a third subsystem configured to synchronize said first digital image with said second digital image at said second institution, wherein said first digital image and said second digital image are synchronized dynamically on digital image by digital image basis; and

a fourth subsystem configured to view both said first digital image and said second digital image by accessing said second institution.

2. The system according to claim 1, wherein at least one of said first digital image and said second digital image is created by from at least one of (a) a negotiable instrument, (b) a hardcopy of said negotiable instrument, (c) a different digital image, and (d) data related to said negotiable instrument.

3. The system according to claim 1, wherein at least one of said first digital image and said second digital image is provided by an entity in a form to be displayed by said second institution.

4. The system according to claim 1, wherein said synchronization is performed by a software module located at said second institution.

5. The system according to claim 1, wherein said first digital image and said second digital image are synchronized on a batch basis.

6. The system according to claim 1, wherein a verification of receipt of said first digital image is provided by said second institution.

7. method for displaying digital images of negotiable instruments derived from a plurality of sources, comprising:

storing a first digital image of a first negotiable instrument at a first institution, wherein said negotiable instrument is deposited at said first institution;

storing a second digital image of a second negotiable instrument at a second institution, wherein said negotiable instrument is deposited at said second institution;

synchronizing said first digital image with said second digital image at said second institution, wherein said first digital image and said second digital image are synchronized dynamically on digital image by digital image basis; and

viewing both said first digital image and said second digital image by accessing said second institution.

8. The method according to claim 7, further comprising creating at least one of said first digital image and said second digital image from at least one of (a) a negotiable instrument, (b) a hardcopy of said negotiable instrument, (c) a different digital image, and (d) data related to said negotiable instrument.

9. The method according to claim 7, further comprising providing at least one of said first digital image and said second digital image by an entity in a form to be displayed by said second institution.

10. The method according to claim 7, further comprising synchronizing with a software module located at said second institution.

11. The method according to claim 7, further comprising synchronizing on a batch basis said first digital image and said second digital image.

12. The method according to claim 7, further comprising providing a verification of receipt of said first digital image by said second institution.

13. A computer readable medium bearing computer executable instructions for displaying digital images of negotiable instruments derived from a plurality of sources, comprising:

storing a first digital image of a first negotiable instrument at a first institution, wherein said negotiable instrument is deposited at said first institution;

storing a second digital image of a second negotiable instrument at a second institution, wherein said negotiable instrument is deposited at said second institution;

synchronizing said first digital image with said second digital image at said second institution, wherein said first digital image and said second digital image are synchronized dynamically on digital image by digital image basis; and

viewing both said first digital image and said second digital image by accessing said second institution.

14. The computer readable medium according to claim 13, further comprising creating at least one of said first digital image and said second digital image from at least one of (a) a negotiable instrument, (b) a hardcopy of said negotiable instrument, (c) a different digital image, and (d) data related to said negotiable instrument.

15. The computer readable medium according to claim 13, further comprising providing at least one of said first digital image and said second digital image by an entity in a form to be displayed by said second institution.

16. The computer readable medium according to claim 13, further comprising synchronizing with a software module located at said second institution.

17. The computer readable medium according to claim 13, further comprising synchronizing on a batch basis said first digital image and said second digital image.

18. The computer readable medium according to claim 13, further comprising providing a verification of receipt of said first digital image by said second institution.

19. A system for displaying digital images of negotiable instruments derived from a plurality of sources, comprising:

a memory;

a processor disposed in communication with said memory, and configured to Issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to;

retrieve a first digital image of a first negotiable instrument deposited at a first institution;

receive a deposit of a second digital image of a second negotiable instrument;

aggregate and store the retrieved first digital image and the received second digital image, wherein said first digital image and said second digital image are synchronized dynamically on digital image by digital image basis; and

display the stored first and second digital images.