Automated check processing system with check imaging and accounting
First Claim
1. A system for processing checks, comprising:
- an image processing device that receives a paper check, scans the received paper check to create a check image of at least one side of the paper check and obtains check information relating to the scanned paper check;
a communications link over which the check image and obtained check information is communicated; and
an accounting system connected to the communications link and operable to update a funds balance of a financial account associated with the paper check in response to the obtained and communicated check information.
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Accused Products
Abstract
A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past an image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the image scanner and the discrimination unit. The image scanner obtains an image of the documents, obtains an image of a selected area of the documents, and obtains information contained in the selected area of the document. The discrimination unit determines the authenticity of the document. A system controller directs the flows of documents over the transport mechanism.
478 Citations
64 Claims
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1. A system for processing checks, comprising:
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an image processing device that receives a paper check, scans the received paper check to create a check image of at least one side of the paper check and obtains check information relating to the scanned paper check; a communications link over which the check image and obtained check information is communicated; and an accounting system connected to the communications link and operable to update a funds balance of a financial account associated with the paper check in response to the obtained and communicated check information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for check processing, comprising:
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receiving a paper check; scanning the received paper check to create a check image of at least one side of the paper check; obtaining check information relating to the scanned paper check; communicating the check image and obtained check information; and updating a funds balance of a financial account associated with the paper check in response to the communicated check information. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A check processing network, comprising:
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a plurality of check imaging devices, each such device receiving paper checks, scanning the received paper checks to create check images of at least one side of the paper checks and obtaining check information relating to the scanned paper checks; a financial institution accounting system operating to receive the check images and update a funds balance of financial accounts associated with the paper checks in response to the obtained check information; and a data communications network interconnecting the plurality of check imaging devices and the financial institution accounting system. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40)
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41. A method for processing checks, comprising:
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scanning, at a first location, a paper check to create an electronic check image; truncating further processing of the paper check after scanning; obtaining information relating to the scanned paper check; electronically transmitting the electronic image and obtained check information to a second location; and reconciling at least one funds balance of an account associated with the paper check based on the electronically transmitted check information. - View Dependent Claims (42, 43, 44, 45, 46, 47, 48)
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49. A check processing system, comprising:
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an input receptacle receiving checks; an image scanner that scans the checks to generate electronic check image files containing an image portion storing image data and a data portion; a transport mechanism that transports the checks from the input receptacle past the image scanner; and a device to electronically tag the check image files with endorsement data stored in the data portion. - View Dependent Claims (50, 51, 52, 53, 54, 55, 56)
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57. A check processing method, comprising:
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receiving checks; scanning the checks with an image scanner to generate electronic check image files containing an image portion storing image data and a data portion; transporting the received checks past the image scanner; and electronically tagging the check image files with endorsement data stored in the data portion. - View Dependent Claims (58, 59, 60, 61, 62, 63, 64)
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Specification