US Patent No: 7,668,363

Number of patents in Portfolio can not be more than 2000

Lockbox imaging system

ALSO PUBLISHED AS: 20090060314

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A system and method for imaging and capturing information from checks and documents contained in a lockbox remittance. A computer workstation is used to generate and print a header sheet that includes information identifying the check. The header sheet is appended to the front of the documents and the document are imaged using a scanner. Identifying information from each of the documents is used to create a data record for each document. In parallel to the scanning of the documents, the checks are scanned and images are created for each of the checks. Additionally, identifying information from each of the checks (e.g., the check number, the amount, etc.) is manually input into a database, thus creating a data record for each check. Once all of the data entry and scanning has been completed, an automatic association process takes place in which the check data records, the check images, the document data records and the document images are all automatically associated and cross-referenced such that the system recreates an electronic version of the original batch of physical papers. All of the associated data and images are contained in a database, from which all of the information for a lockbox customer can be electronically retrieved over the Internet.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY2391

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mao, Paul Houston, TX 7 207
Mathur, Sumit Sugar Land, TX 19 214
Price, Joanne Houston, TX 8 207

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 286 1992
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 197 2002
 
Resource Technology Services, Inc. (1)
5,484,988 Checkwriting point of sale system 275 1994
 
RESPONSE REWARDS SYSTEMS, L.C. (1)
5,508,731 Generation of enlarged participatory broadcast audience 289 1993
 
SAMSUNG ELECTRONICS CO., LTD. (1)
5,708,820 Network hibernation system for suspending and resuming operation of computer system operable in network environment in event of power failure or period of inactivity 65 1995
 
Sansho Seiyaku Co., Ltd. (1)
5,599,528 Preparation for epidermis 85 1994
 
Saranac Software, Inc. (1)
6,233,565 Methods and apparatus for internet based financial transactions with evidence of payment 397 1998
 
SECURUS TECHNOLOGIES HOLDINGS, INC. (1)
2002/0194,096 Optimizing profitability in business transactions 104 2002
 
SEIKO EPSON CORPORATION (1)
6,064,764 Fragile watermarks for detecting tampering in images 267 1998
 
SEMEL OY (1)
2002/0072,976 Device and method for buying an item in a vending machine 62 2001
 
Sigma Computer Research Associates Inc. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 395 1988
 
SILICON VALLEY MICRO C CORPORATION (1)
2005/0177,480 Intelligent billing system 61 2004
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
5,412,190 Electronic check presentment system having a return item notification system incorporated therein 198 1993
 
Solitron Devices, Inc. (1)
4,931,793 System for providing a warning when vehicles approach a common collision point 117 1988
 
SQN (1)
5,444,794 Check image capture system 245 1993
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 419 1993
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (1)
5,727,153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 332 1995
 
STEVEN M. HOFFBERG 2004-1 GRAT (1)
2006/0200,258 Vehicular information system and method 7 2006
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1715 1986
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 237 1985
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 245 1998
 
SYBASE, INC. (1)
5,566,330 Method for forming a reusable and modifiable database interface object 251 1995
 
SYMBOL TECHNOLOGIES, INC. (1)
2005/0144,059 Personal intelligent shipment system and method 38 2003
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
2002/0052,842 Initiation of an electronic payment transaction 97 2001
 
TEXTWISE LLC (1)
6,026,388 User interface and other enhancements for natural language information retrieval system and method 612 1996
 
The Advest Group, Inc. (1)
4,694,397 Banking/brokerage computer interface system 297 1984
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (1)
6,173,272 Electronic funds transfer method and system and bill presentment method and system 249 1998
 
TILLICOMB INTERNATIONAL LDC (1)
5,367,581 Magnetic reader with read head biased against document by resilient deflection of circuit board 98 1993
 
TOSTECKI BROS. L.L.C. (1)
6,070,798 Purchaser generated transaction recording and negotiable instrument payment system 258 1997
 
TRADECARD, INC. (1)
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TRW Financial Systems, Inc. (1)
4,205,780 Document processing system and method 396 1978
 
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2002/0199,182 Method and apparatus providing convergent solution to end-to end, adaptive business application management 105 2001
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 813 1995
 
VALLEY NATIONAL BANK, PHOENIX, AZ A CORP. OF AZ (1)
5,198,975 Apparatus and method for processing of check batches in banking operations 109 1989
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 429 1995
 
VAN REMORTAL, FRED (1)
5,136,502 System for funding, analyzing and managing health care liabilities 158 1991
 
VisaInternational Service Association (1)
6,032,133 Electronic bill pay system 393 1995
 
WALENBRECK GMBH, LLC (1)
6,088,683 Secure purchase transaction method using telephone number 305 1996
 
Watson; Craig Michael (1)
5,978,780 Integrated bill consolidation, payment aggregation, and settlement system 337 1997
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 419 1995
 
XEROX CORPORATION (1)
6,970,259 Systems and methods for forgery detection and deterrence of printed documents 89 2000
 
YT ACQUISITION CORPORATION (1)
5,870,723 Tokenless biometric transaction authorization method and system 364 1996
 
Other [Check patent profile for assignment information] (27)
4,495,018 Process for producing a reinforced tube 85 1983
4,700,055 Multiple credit card system 329 1985
4,823,264 Electronic funds transfer system 571 1986
5,053,607 Point-of-sale device particularly adapted for processing checks 350 1989
5,111,395 Automated fund collection system including means to eliminate duplicate entries from a mailing list 135 1989
5,432,506 Counterfeit document detection system 108 1992
5,326,959 Automated customer initiated entry remittance processing system 376 1992
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 306 1994
5,477,040 Structure for a method of facilitating charge transactions 245 1994
6,073,104 System for invoice record management and asset-backed commercial paper program management 187 1994
5,826,245 Providing verification information for a transaction 401 1995
5,802,498 Computer-aided prepaid transmittal charge billing system 178 1996
6,110,044 Method and apparatus for issuing and automatically validating gaming machine payout tickets 167 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 254 1997
6,129,273 Method and apparatus for an automated, computer approved, check cashing system 134 1998
6,721,715 Method and apparatus for localizing currency valuation independent of the original and objective currencies 158 1998
5,987,436 Obligated investment system 123 1999
2001/0032,139 Cybermoney network; a seamless internet commercial and investment bank account connectivity interface for payment and settlement of goods and services purchased via the internet 61 2000
2002/0107,770 System for allocating funds in a plurality of stock portfolios 91 2000
2002/0082,985 Method and system for converting existing or future trade credit obligations into a new obligation 47 2000
2002/0087,415 Method and system for on-line shopping utlizing personalized shopping list and electronic network 42 2001
2002/0023,055 System and method for digital bill presentment and payment 166 2001
2002/0013,728 Universal transaction manager agent, systems and methods 164 2001
2003/0046,218 System and method for protecting positions in volatile markets 124 2001
2002/0055,907 Electronic payment system and method 68 2001
2003/0191,710 Invoice purchase order system 63 2003
2005/0033,690 System and method for digital bill presentment and payment 113 2004

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (21)
8,799,147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 0 2006
8,708,227 Systems and methods for remote deposit of checks 1 2006
8,351,677 Systems and methods for remote deposit of checks 3 2006
8,433,127 Systems and methods for real-time validation of check image quality 1 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 2 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 9 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 4 2007
8,351,678 Duplicate check detection 3 2008
8,422,758 Systems and methods of check re-presentment deterrent 3 2008
7,974,899 Atomic deposit transaction 56 2008
7,962,411 Atomic deposit transaction 55 2008
7,885,880 Atomic deposit transaction 56 2008
8,391,599 Systems and methods for adaptive binarization of an image 2 2008
8,452,689 Systems and methods of check detection 2 2009
8,542,921 Systems and methods for remote deposit of negotiable instrument using brightness correction 1 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 1 2009
8,392,332 Systems and methods for remote deposit of checks 2 2010
8,464,933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8,837,806 Remote deposit image inspection apparatuses, methods and systems 0 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 2 2011
8,611,635 Duplicate check detection 1 2012
 
BILL.COM, INC. (3)
8,521,626 System and method for enhanced generation of invoice payment documents 2 2009
8,738,483 Enhanced invitation process for electronic billing and payment system 0 2011
8,819,789 Method and system for using social networks to verify entity affiliations and identities 0 2012
 
JPMORGAN CHASE BANK, N.A. (3)
8,571,975 System and method for sending money via E-mail over the internet 0 1999
8,045,784 Lockbox imaging system 18 2010
8,645,222 System and methods for mobile ordering and payment 0 2011
 
SOLUTRAN, INC. (3)
8,126,807 Control features in a system and method for processing checks and check transactions 3 2008
8,660,957 Control features in a system and method for processing checks and check transactions 0 2012
8,589,301 System and method for processing checks and check transactions 0 2012
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 2 2007

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