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)

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, NY1937

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mao, Paul Houston, TX 7 222
Mathur, Sumit Sugar Land, TX 20 233
Price, Joanne Houston, TX 8 222

Cited Art Landscape

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5,479,494 Virtual calling card system 273 1992
5,708,422 Transaction authorization and alert system 468 1995
 
DUOCASH, INC. (1)
2001/0047,334 System and method for using existing prepaid card systems for making payments over the internet 86 2001
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1005 1995
 
Bostec Systems, Inc. (1)
5,080,748 Card assembly apparatus 172 1990
 
SOLOMON RESEARCH LLC (2)
2002/0069,134 System, method and apparatus for aggregation of cooperative intelligent agents for procurement in a distributed network 119 2001
2003/0233,305 System, method and apparatus for information collaboration between intelligent agents in a distributed network 88 2001
 
CHECKFREE SERVICES CORPORATION (2)
2002/0087,468 Electronic payment risk processing 148 2000
2002/0087,469 Technique of registration for and direction of electronic payments in real-time 129 2000
 
CHECKFREE CORPORATION (3)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 332 1995
6,289,322 Electronic bill processing 369 1998
2004/0064,409 System and method for bill delivery and payment over a communications network 84 2003
 
FUJITSU LIMITED (2)
5,321,238 Banking apparatus for processing the bill and the check 191 1991
6,003,762 Transaction terminal for an electronic cashless system 256 1994
 
Capital Security Systems, Inc. (2)
5,897,625 Automated document cashing system 383 1997
5,987,439 Automated banking system for making change on a card or user account 191 1997
 
FIRST DATA CORPORATION (1)
6,490,568 Automated system and method for monitoring financial transactions 115 1999
 
ARBITOR, INC. (1)
2002/0138,398 Automated bandwidth exchange node system 81 2001
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 834 1995
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 279 1994
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 242 1985
 
AMCOL INTERNATIONAL CORPORATION (1)
4,975,841 Method and apparatus for reporting customer data 124 1990
 
PHOENIX LICENSING, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 328 1997
 
PAYPAL INTERNATIONAL LIMITED (1)
6,205,433 System and method for multi-currency transactions 190 1998
 
PAYPAL, INC. (1)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 815 1994
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0011,222 INTEGRATED PROCUREMENT MANAGEMENT SYSTEM USING PUBLIC COMPUTER NETWORK 119 1998
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 327 1993
 
JPMORGAN CHASE BANK, N.A. (14)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 264 1992
6,181,837 Electronic check image storage and retrieval system 187 1994
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 142 1995
5,940,844 Method and apparatus for displaying electronic image of a check 258 1995
6,006,208 MICR line decoding logic system 88 1998
6,227,447 Cardless payment system 416 1999
6,574,377 Electronic check image storage and retrieval system 178 1999
7,062,456 System and method for back office processing of banking transactions using electronic files 85 1999
* 7,068,832 Lockbox imaging system 44 2000
2003/0208,421 Electronic check presentment system and method having an item sequence capability 95 2000
2003/0208,441 Electronic bill presentment and payment system and method 109 2001
2002/0077,978 Method and system for processing internet payments 338 2001
* 7,317,823 Lockbox imaging system 69 2006
* 7,471,818 Lockbox imaging system 44 2007
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,748,780 Method and apparatus for imaging, image processing and data compression 230 1994
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
5,852,812 Billing system for a network 559 1995
6,070,150 Electronic bill presentment and payment system 439 1996
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 374 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 678 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 585 1997
 
CASHEDGE, INC. (1)
2002/0091,635 Method and apparatus for managing transactions 167 2001
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 437 1995
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (1)
5,402,474 System, data processing method and program to provide a programmable interface between a workstation and an archive server to automatically store telephone transaction information 219 1994
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
5,412,190 Electronic check presentment system having a return item notification system incorporated therein 204 1993
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 294 1992
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 423 1993
 
PAXAR AMERICAS, INC. (1)
5,315,508 Label generating and data tracking system for processing purchase orders 175 1992
 
CARD VERIFICATION SOLUTIONS, LLC (1)
5,826,245 Providing verification information for a transaction 406 1995
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 120 2001
 
ECOVA, INC. (2)
5,943,656 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 284 1997
6,035,285 Electronic bill presenting methods and bill consolidating methods 221 1999
 
BURROUGHS PAYMENT SYSTEMS, INC. (2)
5,225,978 Document processing system having integrated expert module 152 1989
5,359,667 Method for identifying and tracking document characteristics in a document image processing system 29 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 107 2001
 
UNISYS CORPORATION (8)
5,237,158 Image-based document processing system providing for priority document shipment 175 1989
5,488,671 Reducing operator balancing in a document processing system employing automatic reading 113 1990
5,187,750 Archival document image processing and printing system 239 1991
5,287,497 Image statement printing system with document storage/retrieval using optical media 44 1991
5,170,466 Storage/retrieval system for document 85 1992
5,349,170 Image-based document processing system providing enhanced transaction balancing 84 1993
5,768,446 Document processing 13 1994
5,884,290 Method of transferring funds employing a three-node real-time electronic interlock 97 1996
 
MONEYFAX, INC. (1)
5,122,950 Method of and system for electronic funds transfer via facsimile machines 169 1989
 
AT&T CORP. (3)
5,373,550 Transmission of check images by way of a public switched telephone network 279 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 185 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 216 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (23)
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 4 2006
8,959,033 Systems and methods for verification of remotely deposited checks 0 2007
8,433,127 Systems and methods for real-time validation of check image quality 2 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 3 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 11 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 4 2008
8,422,758 Systems and methods of check re-presentment deterrent 4 2008
7,974,899 Atomic deposit transaction 62 2008
7,962,411 Atomic deposit transaction 61 2008
* 7,885,880 Atomic deposit transaction 62 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 2 2009
8,977,571 Systems and methods for image monitoring of check during mobile deposit 0 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 2 2009
8,392,332 Systems and methods for remote deposit of checks 3 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 1 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 3 2011
8,611,635 Duplicate check detection 1 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 24 2010
8,645,222 System and methods for mobile ordering and payment 2 2011
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 2 2007
 
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
 
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 1 2012
* Cited By Examiner

Maintenance Fees

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