Method of archive retrieval of check information based on location

• US 8,756,159 B1
• Filed: 02/15/2013
• Issued: 06/17/2014
• Est. Priority Date: 02/15/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Gibson, Lisa, Sandoz, Eric Scott, Williams, Geoffrey Reed, Palmer, Craig David, Smith, Michael Gerald, Nixon, Melvin Gregory
• Primary Examiner(s): TINKLER, MURIEL S
• Application Number:
  US13/768,198
• Time in Patent Office: 487 Days
• Field of Search: 705/35, 705/45
• US Class Current: 705/45
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the invention include systems, methods, and computer-program products that provide for a system to receive information related to check transaction based on the location of the user. In one embodiment of the invention, the computer-implemented method determines a location of a check transaction and stores the location in an archive in association with the check transaction. The method then determines a location of a user and determines a list of check transactions associated with the location of the user. In some embodiments, the method provides the list of check transactions to the user. The method may also provide offers or recommendations to the user, such as an offer to establish a direct transfer instead of using a check in the future. The user and/or the provider of the method may also broaden or narrow the search results based on characteristics of the transaction.

Claims

1. A system for retrieving check information based on location, the system comprising:

a computer apparatus including a processor and a memory; and

a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

determine a location of a check transaction, the check transaction comprising one or more characteristics of the transaction;

store the location in an archive in association with the characteristics of the check transaction;

determine a location of a user;

determine a list of check transactions associated with the location of the user stored in the archive;

receive filter criteria comprising limitations related to characteristics of check transactions from the user, wherein the limitation is based on a characteristic of the transaction selected from the group consisting of a location, an amount, a date, and a category;

apply the filter criteria to the list of check transactions; and

provide the filtered list of check transactions to the user.

2. The system of claim 1, wherein the module is further configured to provide an offer to the user based at least in part on a check transaction at the location of the user.

3. The system of claim 2, wherein the offer is an offer to establish an alternative payment method for the check transaction.

4. The system of claim 2, wherein the offer is an offer for a benefit when the user uses an alternative payment method for the check transaction.

5. The system of claim 1, wherein the location of the user is determined using a positioning system device.

6. The system of claim 1, wherein storing the location in the archive with the check transaction comprises extracting check information from the check and storing the check information in a database.

7. The system of claim 1, wherein the location of the check transaction is determined based on an address of the recipient of the check.

8. A computer program product retrieving check information based on location, the computer program product comprising:

a non-transitory computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising;

a computer readable program code configured to determine a location of a check transaction, the check transaction comprising one or more characteristics of the transaction;

a computer readable program code configured to store the location in an archive in association with the characteristics of the check transaction;

a computer readable program code configured to determine a location of a user;

a computer readable program code configured to determine a list of check transactions associated with the location of the user stored in the archive;

a computer readable program code configured to receive filter criteria comprising limitations related to characteristics of check transactions from the user, wherein the limitation is based on a characteristic of the transaction selected from the group consisting of a location, an amount, a date, and a category;

a computer readable program code configured to apply the filter criteria to the list of check transactions; and

a computer readable program code configured to provide the filtered list of check transactions to the user.

9. The computer program product of claim 8, the computer program product further comprising a computer readable program code configured to provide an offer to the user based at least in part on a check transaction at the location of the user.

10. The computer program product of claim 9, wherein the offer is an offer to establish an alternative payment method for the check transaction.

11. The computer program product of claim 9, wherein the offer is an offer for a benefit when the user uses an alternative payment method for the check transaction.

12. The computer program product of claim 8, wherein the location of the user is determined using a positioning system device.

13. The computer program product of claim 8, wherein storing the location in the archive with the check transaction comprises extracting check information from the check and storing the check information in a database.

14. The computer program product of claim 8, wherein the location of the check transaction is determined based on an address of the recipient of the check.

15. A method for retrieving check information based on location, the method comprising:

using a computer processor comprising computer program code instructions stored in a non-transitory computer readable medium, wherein said computer program code instructions are structured to cause said computer processor to;

determine a location of a check transaction, the check transaction comprising one or more characteristics of the transaction;

store the location in an archive in association with the characteristics of the check transaction;

determine a location of a user;

determine a list of check transactions associated with the location of the user stored in the archive;

receive filter criteria comprising limitations related to characteristics of check transactions from the user, wherein the limitation is based on a characteristic of the transaction selected from the group consisting of a location, an amount, a date, and a category;

apply the filter criteria to the list of check transactions; and

provide the filtered list of check transactions to the user.

16. The method of claim 15, the method further comprising providing an offer to the user based at least in part on a check transaction at the location of the user.

17. The method of claim 16, wherein the offer is an offer to establish an alternative payment method for the check transaction.

18. The method of claim 16, wherein the offer is an offer for a benefit when the user uses an alternative payment method for the check transaction.