System and method for image based electronic check presentment

• US 7,996,312 B1
• Filed: 03/01/2002
• Issued: 08/09/2011
• Est. Priority Date: 03/01/2002
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Meloun, Kenneth S., Garner, Andrew J. IV, Beck, Terry H.
• Primary Examiner(s): Dass; Harish T
• Application Number:
  US10/086,406
• Time in Patent Office: 3,448 Days
• Field of Search: 705/40, 705/45, 705/44, 705/42, 707/200, 707/3, 711/122, 382/305, 235/379
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A method and system for processing electronic check presentment (ECP) data and check image data, where the check image data is transmitted electronically, either with the ECP data or separately. The ECP data has associated ECP sequence numbers assigned in connection with the preparation of an electronic cash letter (ECL). The check image data has associated image sequence numbers assigned to the image file that is transmitted with or following the ECL. A source key and an image key are defined for each item in the ECP data and the image data. An electronic check presentment (EIP) sequence number generated at the receiving financial institution, associates each presented electronic item with the ECP sequence number and image sequence number. System components include a transaction and image import server, an entry creation module, a cross-reference archive load module, a reject repair module, a post preprocessor module and a posting module. These components enable transaction and image data to be imported to a host processing system, formatted, converted between standard image formats, repaired on the date received, archived and posted to customer accounts in a check truncation environment.

Claims

1. A method for processing electronically presented items, comprising:

receiving from a sending financial institution at a first time a plurality of electronically presented items, wherein one or more of the items received is comprised of a source sequence number generated by the sender of the electronically presented items and transaction data associated with the source sequence number;

for each item received at the first time, assigning an electronic item presentment (EIP) sequence number to the item, associating the item'"'"'s transaction data with the item'"'"'s EIP sequence number, and associating the item'"'"'s EIP sequence number with the item'"'"'s source sequence number;

receiving from the sending financial institution at a second time image data in a digitized format for one or more of the items received the first time, wherein the image data for each item received at the second time is associated with the item'"'"'s source sequence number;

for each item'"'"'s image data received at the second time, assigning an image sequence number to the item'"'"'s image data, associating the item'"'"'s image data with the item'"'"'s image sequence number and associating the item'"'"'s image sequence number with the item'"'"'s source sequence number to preserve a linkage integrity between the item and the item'"'"'s image data; and

for each item'"'"'s image data received at the second time, associating the item'"'"'s image sequence number with the item'"'"'s EIP sequence number by matching (i) the source sequence number associated with the item'"'"'s EIP sequence number received at the first time with (ii) the source sequence number associated with the item'"'"'s image sequence number received at the second time, wherein the matching step is performed by an electronic item presentment computer.

2. The method of claim 1, wherein the source sequence number is associated with a source identifier and a source processing date to form an item'"'"'s source key.

3. The method of claim 1, wherein the source sequence number is stored in an archive in a non-volatile memory in association with the EIP sequence number.

4. The method of claim 3, wherein the image sequence number is stored in the archive in association with the EIP sequence number.

5. The method of claim 3, wherein an image key is stored in the archive in association with the HP sequence number.

6. The method of claim 5, wherein the image key is comprised of the image sequence number, a capture date and a capture cycle.

7. The method of claim 1, wherein the image data is stored in an archive in a non-volatile memory in association with the EIP sequence number.

8. The method of claim 7, wherein the image data is stored in an archive in association with the source sequence number.

9. The method of claim 8, wherein the image data is stored in an archive in association with the image sequence number.

10. The method of claim 8, wherein the image data is stored in an archive in association with an image key.

11. The method of claim 10, wherein the image key is comprised of the image sequence number, a capture date and a capture cycle.

12. The method of claim 1, further comprising:

for each of the items to which an EIP sequence number has been assigned, posting the item'"'"'s transaction data to a posting system and associating the item'"'"'s posted transaction data with the item'"'"'s EIP sequence number.

13. The method of claim 1, further comprising:

for each of the items to which an EIP sequence number has been assigned, posting at least some of the item'"'"'s transaction data to a posting system and associating the item'"'"'s posted transaction data with the item'"'"'s EIP sequence number.

14. The method of claim 13, wherein the item'"'"'s posted transaction data is stored in an archive in a non-volatile memory in association with the item'"'"'s EIP sequence number.

15. The method of claim 14, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s source sequence number.

16. The method of claim 15, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s image sequence number.

17. The method of claim 15, wherein the item'"'"'s posted transaction data is stored in an archive in association with an image key.

18. The method of claim 17, wherein the image key is comprised of the image sequence number, a capture date and a capture cycle.

19. The method of claim 13, wherein the posting system is pre-existing.

20. The method of claim 13, further comprising:

assigning a posting sequence number to each item posted; and

associating the item'"'"'s posting sequence number with the item'"'"'s posted transaction data.

21. The method of claim 20, wherein the item'"'"'s posted transaction data is stored in an archive in a non-volatile memory in association with the item'"'"'s posting sequence number.

22. The method of claim 21, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s EIP sequence number.

23. The method of claim 22, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s source sequence number.

24. The method of claim 23, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s image sequence number.

25. The method of claim 23, wherein the item'"'"'s posted transaction data is stored in an archive in association with an image key.

26. The method of claim 25, wherein the image key is comprised of the image sequence number, a capture date and a capture cycle.

27. A method for processing electronically presented items, comprising:

receiving from a sending financial institution a plurality of electronically presented items wherein each of the items received is comprised of a source sequence number generated by the sender of the electronically presented items, transaction data associated with the source sequence number and image data in a digitized format associated with the source sequence number; and

for each item received, assigning an image sequence number to the item, and associating the item'"'"'s image sequence number with the item'"'"'s source sequence number to preserve a linkage integrity between the item and the item'"'"'s image data, wherein at least one of the assigning and associating steps are performed by an electronic item presentment computer.

28. The method of claim 27, further comprising:

for each item received, associating the item'"'"'s image sequence number with the item'"'"'s image data.

29. The method of claim 28, further comprising:

for each item received, associating the item'"'"'s image sequence number with the item'"'"'s transaction data.

30. The method of claim 28, wherein the source sequence number is associated with a source identifier and a source processing date to form an item'"'"'s source key.

31. The method of claim 28, wherein the source key is stored in an archive in a non-volatile memory in association with the image sequence number.

32. The method of claim 31, wherein an image key is stored in the archive in association with the image sequence number.

33. The method of claim 32, wherein the image key is comprised of the image sequence number, a capture date and a capture cycle.

34. The method of claim 27, wherein the image data is stored in an archive in a non-volatile memory in association with the image sequence number.

35. The method of claim 34, wherein the image data is stored in an archive in association with the source sequence number.

36. The method of claim 35, wherein the image data is stored in an archive in association with an image key.

37. The method of claim 36, wherein the image key is comprised of the image sequence number, a capture date and a capture cycle.

38. The method of claim 27, further comprising:

for at least some of the items to which an image sequence number has been assigned, posting the item'"'"'s transaction data to a posting system and associating the item'"'"'s posted transaction data with the item'"'"'s image sequence number.

39. The method of claim 27, further comprising:

for at least some of the items to which an image sequence number has been assigned, posting at least some of the item'"'"'s transaction data to a posting system and associating the item'"'"'s posted transaction data with the item'"'"'s image sequence number.

40. The method of claim 39, wherein the item'"'"'s posted transaction data is stored in an archive in a non-volatile memory in association with the item'"'"'s source sequence number.

41. The method of claim 40, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s image sequence number.

42. The method of claim 40, wherein the item'"'"'s posted transaction data is stored in an archive in association with an image key.

43. The method of claim 42, wherein the image key is comprised of the image sequence number, a capture date and a capture cycle.

44. The method of claim 27, further comprising:

assigning a posting sequence number to each item posted; and

associating the item'"'"'s posting sequence number with the item'"'"'s posted transaction data.

45. The method of claim 44, wherein the item'"'"'s posted transaction data is stored in an archive in a non-volatile memory in association with the item'"'"'s posting sequence number.

46. The method of claim 45, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s EIP sequence number.

47. The method of claim 46, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s source sequence number.

48. The method of claim 47, wherein the item'"'"'s posted transaction data is stored in an archive in association with the item'"'"'s image sequence number.

49. The method of claim 46, wherein the item'"'"'s posted transaction data is stored in an archive in association with an image key.

50. The method of claim 49, wherein the image key is comprised of the image sequence number, a capture date and a capture cycle.

51. The method of claim 39, wherein the posting system is pre-existing.

52. A computer readable storage medium storing a computer program product for processing electronically presented items, the computer program product comprising program instructions that when executed on an electronic item presentment computer

receives from a sending financial institution at a first time a plurality of electronically presented items, wherein one or more of the items received is comprised of a source sequence number generated by the sender of the electronically presented items and transaction data associated with the source sequence number;

for each item received at the first time, assigns an electronic item presentment (EIP) sequence number to the item, associates the item'"'"'s transaction data with the item'"'"'s EIP sequence number, and associates the item'"'"'s EIP sequence number with the item'"'"'s source sequence number;

receives from the sending financial institution at a second time image data in a digitized format for one or more of the items received the first time, wherein the image data for each item received at the second time is associated with the item'"'"'s source sequence number;

for each item'"'"'s image data received at the second time, assigns an image sequence number to the item'"'"'s image data, associates the item'"'"'s image data with the item'"'"'s image sequence number and associates the item'"'"'s image sequence number with the item'"'"'s source sequence number to preserve a linkage integrity between the item and the item'"'"'s image data; and

for each item'"'"'s image data received at the second time, associates the item'"'"'s image sequence number with the item'"'"'s EIP sequence number by matching (i) the source sequence number associated with the item'"'"'s HP sequence number received at the first time with (ii) the source sequence number associated with the item'"'"'s image sequence number received at the second time.

53. A computer readable storage medium storing a computer program product for processing electronically presented items, the computer program product comprising program instructions that when executed on an electronic item presentment computer:

receives from a sending financial institution a plurality of electronically presented items, wherein each of the items received is comprised of a source sequence number generated by the sender of the electronically presented items, transaction data associated with the source sequence number and image data in a digitized format associated with the source sequence number; and

for each item received, assigns an image sequence number to the item, and associates the item'"'"'s image sequence number with the item'"'"'s source sequence number to preserve a linkage integrity between the item and the item'"'"'s image data.

54. A system for processing electronically presented items, comprising:

an electronic item presentment computer including an electronic item processor module, wherein the electronic item processor module when executing on the electronic item presentment computer

receives from a sending financial institution and stores at a first time a plurality of electronically presented items, wherein one or more of the items received is comprised of a source sequence number generated by the sender of the electronically presented items and transaction data associated with the source sequence number, and

for each item received at the first time, assigns an electronic item presentment (EIP) sequence number to the item;

an import processor module, wherein the import processor module when executing on the electronic item presentment computer

receives from the sending financial institution and stores at a second time image data in a digitized format for one or more of the items received the first time, wherein the image data for each item received at the second time is associated with the item'"'"'s source sequence number, and

for each item received at the second time, assigns an image sequence number to the item; and

a cross-reference processor module, wherein, the cross-reference processor module when executing on the electronic item presentment computer

for each item received the first time, associates the item'"'"'s transaction data with the item'"'"'s EIP sequence number, and associates the item'"'"'s EIP sequence number with the item'"'"'s source sequence number,

for each item'"'"'s image data received the second time, associates the item'"'"'s image data with the item'"'"'s image sequence number and associates the item'"'"'s image sequence number with the item'"'"'s source sequence number to preserve a linkage integrity between the item and the item'"'"'s image data, and

for each item received at the second time, associates the item'"'"'s image sequence number with the item'"'"'s EIP sequence number by matching (i) the source sequence number associated with the item'"'"'s EIP sequence number received at the first time with (ii) the source sequence number associated with the item'"'"'s image sequence number received at the second time.

55. A system for processing electronically presented items, comprising:

an electronic item presentment computer including an import processor module, wherein the import processor module when executing on the electronic item presentment computer

receives from a sending financial institution and stores a plurality of electronically presented items, wherein each of the items received is comprised of a source sequence number generated by the sender of the electronically presented items, transaction data associated with the source sequence number and image data in a digitized format associated with the source sequence number, and

for each item received, assigns an image sequence number to the item; and

a cross reference processor module, wherein, the cross reference processor module when executing on the electronic item presentment computer

for each item received, associates the item'"'"'s image sequence number with the item'"'"'s source sequence number to preserve a linkage integrity between the item and the item'"'"'s image data.