Lockbox imaging system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7668363
APP PUB NO 20090060314A1
SERIAL NO

12254247

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ATTORNEY / AGENT: (SPONSORED)

Importance

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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, NY1973

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mao, Paul Houston, US 5 282
Mathur, Sumit Sugar Land, US 13 318
Price, Joanne Houston, US 6 282

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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6205433 System and method for multi-currency transactions 213 1998
 
PAYPAL, INC. (3)
5826241 Computerized system for making payments and authenticating transactions over the internet 898 1994
5832460 Method and system for bill presentation and payment reconciliation 369 1995
6119106 Method and apparatus for facilitating customer payments to creditors from a remote site 255 1997
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0011,222 INTEGRATED PROCUREMENT MANAGEMENT SYSTEM USING PUBLIC COMPUTER NETWORK 125 1998
 
AT&T LABS, INC. (1)
5311594 Fraud protection for card transactions 345 1993
 
JPMORGAN CHASE BANK, N.A. (13)
6181837 Electronic check image storage and retrieval system 222 1994
5917965 Method and apparatus for storing images of documents having magnetic ink code line 149 1995
5940844 Method and apparatus for displaying electronic image of a check 286 1995
6006208 MICR line decoding logic system 91 1998
6227447 Cardless payment system 464 1999
6574377 Electronic check image storage and retrieval system 272 1999
7062456 System and method for back office processing of banking transactions using electronic files 96 1999
* 7068832 Lockbox imaging system 49 2000
2003/0208,421 Electronic check presentment system and method having an item sequence capability 98 2000
2003/0208,441 Electronic bill presentment and payment system and method 115 2001
2002/0077,978 Method and system for processing internet payments 393 2001
* 7317823 Lockbox imaging system 80 2006
* 7471818 Lockbox imaging system 57 2007
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5748780 Method and apparatus for imaging, image processing and data compression 271 1994
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
5852812 Billing system for a network 594 1995
6070150 Electronic bill presentment and payment system 461 1996
6128603 Consumer-based system and method for managing and paying electronic billing statements 422 1997
5883810 Electronic online commerce card with transactionproxy number for online transactions 750 1997
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions 650 1997
 
CashEdge, Inc. (1)
2002/0091,635 Method and apparatus for managing transactions 175 2001
 
Value Miner, Inc. (1)
5615109 Method of and system for generating feasible, profit maximizing requisition sets 464 1995
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (1)
5402474 System, data processing method and program to provide a programmable interface between a workstation and an archive server to automatically store telephone transaction information 247 1994
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
5412190 Electronic check presentment system having a return item notification system incorporated therein 221 1993
 
RAMSEY INTERNATIONAL CORP. (1)
5502576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 325 1992
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5483445 Automated billing consolidation system and method 436 1993
 
PAXAR AMERICAS, INC. (1)
5315508 Label generating and data tracking system for processing purchase orders 180 1992
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 134 2001
 
ECTOLINK, LLC (1)
5826245 Providing verification information for a transaction 436 1995
 
ECOVA, INC. (2)
5943656 Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems 307 1997
6035285 Electronic bill presenting methods and bill consolidating methods 238 1999
 
BURROUGHS PAYMENT SYSTEMS, INC. (2)
5225978 Document processing system having integrated expert module 158 1989
5359667 Method for identifying and tracking document characteristics in a document image processing system 31 1992
 
UNITED PAN-EUROPE COMMUNICATIONS N.V. (1)
2002/0199,182 Method and apparatus providing convergent solution to end-to end, adaptive business application management 117 2001
 
UNISYS CORPORATION (8)
5237158 Image-based document processing system providing for priority document shipment 190 1989
5488671 Reducing operator balancing in a document processing system employing automatic reading 126 1990
5187750 Archival document image processing and printing system 257 1991
5287497 Image statement printing system with document storage/retrieval using optical media 45 1991
5170466 Storage/retrieval system for document 90 1992
5349170 Image-based document processing system providing enhanced transaction balancing 88 1993
5768446 Document processing 13 1994
5884290 Method of transferring funds employing a three-node real-time electronic interlock 103 1996
 
MONEYFAX, INC. (1)
5122950 Method of and system for electronic funds transfer via facsimile machines 173 1989
 
AT&T CORP. (3)
5373550 Transmission of check images by way of a public switched telephone network 308 1992
5864609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 190 1995
5835580 Method and apparatus for automated provisioning and billing of communication services 233 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (1)
* 2008/0270,304 FUNDS TRANSFER SYSTEM AND METHOD 6 2008
 
BILL.COM (1)
9413737 Method and system for using social networks to verify entity affiliations and identities 1 2014
 
United Services Automobile Association (9)
9129340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8464933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8837806 Remote deposit image inspection apparatuses, methods and systems 4 2011
8688579 Automatic remote deposit image preparation apparatuses, methods and systems 12 2011
8611635 Duplicate check detection 1 2012
9158966 Character count determination for a digital image 0 2013
9336517 Systems and methods for alignment of check during mobile deposit 0 2014
9177197 Systems and methods for alignment of check during mobile deposit 0 2014
9177198 Systems and methods for alignment of check during mobile deposit 0 2014
 
JPMORGAN CHASE BANK, N.A. (4)
8571975 System and method for sending money via E-mail over the internet 0 1999
* 8045784 Lockbox imaging system 37 2010
9230259 Systems and methods for mobile ordering and payment 0 2010
8645222 System and methods for mobile ordering and payment 7 2011
 
United Services Auto Association (USAA) (1)
8538124 Systems and methods for real-time validation of check image quality 3 2007
 
Solutran, Inc. (4)
* 8126807 Control features in a system and method for processing checks and check transactions 4 2008
* 8660957 Control features in a system and method for processing checks and check transactions 0 2012
8589301 System and method for processing checks and check transactions 0 2012
* 2013/0034,292 CONTROL FEATURES IN A SYSTEM AND METHOD FOR PROCESSING CHECKS AND CHECK TRANSACTIONS 2 2012
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (22)
8799147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 0 2006
8708227 Systems and methods for remote deposit of checks 3 2006
8351677 Systems and methods for remote deposit of checks 13 2006
8959033 Systems and methods for verification of remotely deposited checks 1 2007
8433127 Systems and methods for real-time validation of check image quality 3 2007
8358826 Systems and methods for receiving and orienting an image of one or more checks 10 2007
8320657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 20 2007
8290237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 15 2007
8351678 Duplicate check detection 9 2008
8422758 Systems and methods of check re-presentment deterrent 10 2008
7974899 Atomic deposit transaction 82 2008
7962411 Atomic deposit transaction 80 2008
* 7885880 Atomic deposit transaction 80 2008
8391599 Systems and methods for adaptive binarization of an image 2 2008
8452689 Systems and methods of check detection 6 2009
8542921 Systems and methods for remote deposit of negotiable instrument using brightness correction 4 2009
8977571 Systems and methods for image monitoring of check during mobile deposit 2 2009
8699779 Systems and methods for alignment of check during mobile deposit 5 2009
8392332 Systems and methods for remote deposit of checks 6 2010
9569756 Systems and methods for image monitoring of check during mobile deposit 0 2013
9286514 Character count determination for a digital image 0 2013
9224136 Systems and methods for remote deposit of checks 0 2014
 
BILL.COM, INC. (5)
* 8521626 System and method for enhanced generation of invoice payment documents 5 2009
8738483 Enhanced invitation process for electronic billing and payment system 3 2011
9141991 Enhanced electronic data and metadata interchange system and process for electronic billing and payment system 2 2011
8819789 Method and system for using social networks to verify entity affiliations and identities 14 2012
9633353 Method and system for using social networks to verify entity affiliations and identities 0 2016
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Aug 23, 2017
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 23, 2021
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00