Remote image capture with centralized processing and storage

• US 8,024,269 B1
• Filed: 12/06/1999
• Issued: 09/20/2011
• Est. Priority Date: 08/27/1997
• Status: Expired due to Fees

• Current Assignee: DataTreasury Corporation
• Original Assignee: DataTreasury Corporation
• Inventors: Ballard, Claudio R.
• Primary Examiner(s): Weisberger; Richard C
• Application Number:
  US09/454,492
• Time in Patent Office: 4,306 Days
• Field of Search: 705 35- 45, 380/24, 380/25
• US Class Current: 705/40
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 63/0428 wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231

Abstract

A system for remote data acquisition and centralized processing and storage is disclosed called the DataTreasury™ System. The DataTreasury™ System provides comprehensive support for the processing of documents and electronic data associated with different applications including sale, business, banking and general consumer transactions. The system retrieves transaction data such as credit card receipts checks in either electronic or paper form at one or more remote locations, encrypts the data, transmits the encrypted data to a central location, transforms the data to a usable form, performs identification verification using signature data and biometric data, generates informative reports from the data and transmits the informative reports to the remote location(s). The DataTreasury™ System has many advantageous features which work together to provide high performance, security, reliability, fault tolerance and low cost. First, the network architecture facilitates secure communication between the remote location(s) and the central processing facility. A dynamic address assignment algorithm performs load balancing among the system'"'"'s servers for faster performance and higher utilization. Finally, a partitioning scheme improves the error correction process.

Claims

1. A method for central management, storage and verification of at least one paper transaction from at least one of electronic transactions, documents, and receipts, the method comprising:

scanning paper receipts by way of at least one remote data access subsystem to create transaction data;

capturing and sending the transaction data from at least one remote subsystem location to at least one data collection subsystem;

capturing a remote data access terminal identification

utilizing an encrypting subsystem with identification information and encrypting the transaction data prior to sending said encrypted data to a data collection subsystem;

utilizing the data collection subsystem to send said encrypted data and the remote data access terminal identification to a central subsystem;

utilizing said at least one central subsystem to manage the capturing and sending of the transaction data;

collecting, processing, sending and storing the transaction data within said at least one central subsystem;

utilizing at least one of said at least one central subsystem to manage the collecting, processing, sending, and storing of the captured transaction at a central location, including comparing transaction data to stored transaction data for verification; and

transmitting the transaction data within and between at least one of the at least one remote subsystem location and the central location.

2. The method of claim 1, wherein said utilizing the central subsystem to manage the collecting, processing, sending and storing further comprises performing said paper transaction by transferring funds electronically from a payer bank to a payee bank.

3. The method of claim 1, wherein the transaction data is obtained from at least one of electronic transactions from credit cards, electronic transactions from smart cards, electronic transactions from debit cards, transactions from paper documents and transactions from receipts.

4. The method of claim 2, wherein the transaction data is obtained from at least one of electronic transactions from credit cards, electronic transactions from smart cards, electronic transactions from debit cards, transactions from paper documents and transactions from receipts.

5. The method of claim 1, wherein the transaction data is obtained from electronic transactions from credit cards.

6. The method of claim 2, wherein the transaction data is obtained from electronic transactions from credit cards.

7. The method of claim 1, wherein the transaction data is obtained from electronic transactions from smart cards.

8. The method of claim 2, wherein the transaction data is obtained from electronic transactions from smart cards.

9. The method of claim 1, the data further comprising biometric data.

10. The method of claim 2, the data further comprising biometric data.