US Patent No: 7,668,363

Number of patents in Portfolio can not be more than 2000

Lockbox imaging system

ALSO PUBLISHED AS: 20090060314
1 Status Updates

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

Loading the Abstract Image... loading....

First Claim

See full text

all claims..

Related Publications

Loading Related Publications... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY2410

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mao, Paul Houston, TX 7 198
Mathur, Sumit Sugar Land, TX 19 204
Price, Joanne Houston, TX 8 198

Cited Art Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (14)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 261 1992
6,181,837 Electronic check image storage and retrieval system 177 1994
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 137 1995
5,940,844 Method and apparatus for displaying electronic image of a check 246 1995
6,006,208 MICR line decoding logic system 86 1998
6,227,447 Cardless payment system 395 1999
6,574,377 Electronic check image storage and retrieval system 167 1999
7,062,456 System and method for back office processing of banking transactions using electronic files 80 1999
7,068,832 Lockbox imaging system 42 2000
2003/0208,421 Electronic check presentment system and method having an item sequence capability 93 2000
2003/0208,441 Electronic bill presentment and payment system and method 107 2001
2002/0077,978 Method and system for processing internet payments 321 2001
7,317,823 Lockbox imaging system 65 2006
7,471,818 Lockbox imaging system 40 2007
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (13)
5,161,214 Method and apparatus for document image management in a case processing system 150 1990
5,204,811 Document processor with transport buffer 53 1991
5,506,691 Method and apparatus for image processing at remote sites 200 1994
5,444,841 Graphical user interface control for replicating data fields in forms 104 1994
5,687,250 Image quality analysis method and apparatus 94 1995
6,240,444 Internet web page sharing 208 1996
6,041,312 Object oriented technology framework for accounts receivable and accounts payable 125 1997
6,278,981 Computer-implemented method and apparatus for portfolio compression 254 1998
6,535,896 Systems, methods and computer program products for tailoring web page content in hypertext markup language format for display within pervasive computing devices using extensible markup language tools 191 1999
6,493,685 Electronic account presentation and response system and method 298 1999
6,374,235 Method, system, and program for a join operation on a multi-column table and satellite tables including duplicate values 86 1999
2002/0111,837 Verification method for web-delivered materials using self-signed certificates 85 2001
2003/0097,335 Secure method and system for determining charges and assuring privacy 70 2001
 
NCR CORPORATION (9)
4,264,808 Method and apparatus for electronic image processing of documents for accounting purposes 388 1978
4,617,457 Teller-assisted, customer-operated ATM document cashing system 247 1983
4,680,803 Method and apparatus for isolating image data for character recognition 102 1984
5,274,567 Table top image based document processing machine and methods of processing documents 86 1990
5,770,843 Access card for multiple accounts 330 1996
5,835,603 Financial transaction system 149 1996
5,751,842 Document transaction apparatus 219 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 499 1998
6,825,940 Method of processing documents in an image-based document processing system and an apparatus therefor 55 1998
 
UNISYS CORPORATION (8)
5,237,158 Image-based document processing system providing for priority document shipment 169 1989
5,488,671 Reducing operator balancing in a document processing system employing automatic reading 107 1990
5,187,750 Archival document image processing and printing system 232 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 83 1992
5,349,170 Image-based document processing system providing enhanced transaction balancing 82 1993
5,768,446 Document processing 13 1994
5,884,290 Method of transferring funds employing a three-node real-time electronic interlock 93 1996
 
CITIBANK, N.A. (7)
5,659,165 Customer-directed, automated process for transferring funds between accounts via a communications network 318 1995
5,642,419 Method for acquiring and revalidating an electronic credential 276 1995
5,940,813 Process facility management matrix and system and method for performing batch, processing in an on-line environment 85 1996
5,774,553 Foreign exchange transaction system 168 1996
6,088,686 System and method to performing on-line credit reviews and approvals 549 1996
6,081,790 System and method for secure presentment and payment over open networks 274 1998
6,098,053 System and method for performing an electronic financial transaction 467 1999
 
VISA INTERNATIONAL SERVICE ASSOCIATION (6)
4,812,628 Transaction system with off-line risk assessment 383 1987
5,465,206 Electronic bill pay system 755 1993
5,703,344 Electronic funds confirmation at point of transaction 323 1995
5,621,201 Automated purchasing control system 402 1996
5,920,847 Electronic bill pay system 685 1996
5,963,925 Electronic statement presentment system 423 1997
 
MICROSOFT CORPORATION (5)
5,852,812 Billing system for a network 541 1995
6,070,150 Electronic bill presentment and payment system 425 1996
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 359 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 651 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 552 1997
 
CARREKER CORPORATION (4)
5,237,159 Electronic check presentment system 303 1991
5,532,464 Electronic check presentment system having a return item notification system incorporated therein 162 1995
5,783,808 Electronic check presentment system having transaction level reconciliation capability 208 1996
6,301,379 Electronic check presentment systems and methods employing volatile memory datastore access techniques 103 1997
 
CHASE MANHATTAN BANK, THE (4)
5,963,659 Method and apparatus for correcting erroneously decoded magnetic ink characters 98 1995
6,609,125 Funds transfer repair system 111 1999
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 442 2000
6,704,714 Virtual private lock box 209 2000
 
CISCO TECHNOLOGY, INC. (4)
5,040,227 Image balancing system and method 42 1990
5,151,948 System and method for processing documents having amounts recorded thereon 62 1991
6,578,000 Browser-based arrangement for developing voice enabled web applications using extensible markup language documents 118 2000
6,954,896 Browser-based arrangement for developing voice enabled web applications using extensible markup language documents 58 2003
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (4)
5,870,725 High volume financial image media creation and display system and method 277 1995
5,895,455 Document image display system and method 74 1996
6,105,011 Security system and method for business transactions with customers 190 1998
2005/0097,050 Express check conversion 78 2003
 
AT&T CORP. (3)
5,373,550 Transmission of check images by way of a public switched telephone network 269 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 181 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 207 1996
 
BANCTEC, INC. (3)
4,722,444 Method and apparatus for document processors 69 1985
4,821,332 Method and apparatus for image capture of information on documents 111 1987
5,159,548 Apparatus and method for priority processing of financial documents using video image capture 152 1990
 
BMC RESOURCES, INC. (3)
5,652,786 Automated interactive bill payment system 267 1996
5,715,298 Automated interactive bill payment system using debit cards 209 1997
5,870,456 Automated interactive bill payment system using debit cards 230 1997
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (3)
6,343,279 System integrating credit card transactions into a financial management system 221 1998
6,405,173 Decision management system providing qualitative account/customer assessment via point in time simulation 177 1999
6,415,259 Automatic work progress tracking and optimizing engine for a telecommunications customer care and billing system 186 1999
 
CHECKFREE CORPORATION (3)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 326 1995
6,289,322 Electronic bill processing 356 1998
2004/0064,409 System and method for bill delivery and payment over a communications network 82 2003
 
DIGIMARC CORPORATION (3)
6,636,615 Methods and systems using multiple watermarks 175 1999
6,574,350 Digital watermarking employing both frail and robust watermarks 202 2000
2002/0170,966 Identification document including embedded data 124 2002
 
EBAY INC. (3)
5,832,460 Method and system for bill presentation and payment reconciliation 330 1995
6,035,281 System and method of multiparty billing for Web access 400 1997
6,363,365 Mechanism for secure tendering in an open electronic network 97 1998
 
HEWLETT-PACKARD COMPANY (3)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 310 1990
6,016,484 System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment 320 1996
6,061,665 System, method and article of manufacture for dynamic negotiation of a network payment framework 282 1997
 
INTER*ACT SYSTEMS, INCORPORATED (3)
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 337 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 271 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 293 1995
 
ONTARIO SYSTEMS, LLC (3)
5,504,677 Automated payment system 290 1992
5,966,698 Automated payment system and method 201 1996
6,041,315 Automated payment system and method 220 1997
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (3)
4,974,878 Financial data processing system using payment coupons 180 1988
4,948,174 Financial data processing system 286 1989
5,121,945 Financial data processing system 275 1990
 
SUN MICROSYSTEMS, INC. (3)
5,884,288 Method and system for electronic bill payment 353 1996
6,073,113 Compatibility checking between instruments, operations and protocols in electronic commerce 125 1998
6,418,420 Distributed budgeting and accounting system with secure token device access 114 1998
 
THE WESTERN UNION COMPANY (3)
5,350,906 Currency transfer system and method using fixed limit cards 466 1992
7,177,836 Method and system for facilitating financial transactions between consumers over the internet 137 1999
2003/0187,789 International negotiable instrument payment 100 2002
 
ACCENTURE GLOBAL SERVICES LIMITED (2)
5,592,378 Computerized order entry system and method 400 1994
6,629,081 Account settlement and financing in an e-commerce environment 366 1999
 
AT&T IPM CORP. (2)
5,479,494 Virtual calling card system 264 1992
5,708,422 Transaction authorization and alert system 447 1995
 
BANK OF AMERICA CORPORATION (2)
6,016,482 Enhanced collateralized funding processor 318 1996
6,128,602 Open-architecture system for real-time consolidation of information from multiple financial systems 324 1998
 
BURROUGHS PAYMENT SYSTEMS, INC. (2)
5,225,978 Document processing system having integrated expert module 150 1989
5,359,667 Method for identifying and tracking document characteristics in a document image processing system 29 1992
 
BURROUGHS, INC. (2)
5,321,816 Local-remote apparatus with specialized image storage modules 451 1992
5,301,350 Real time storage/retrieval subsystem for document processing in banking operations 100 1993
 
CANON KABUSHIKI KAISHA (2)
6,144,946 Accounting device, communicating apparatus, and communication system 158 1997
6,009,442 Computer-based document management system 281 1997
 
Capital Security Systems, Inc. (2)
5,897,625 Automated document cashing system 342 1997
5,987,439 Automated banking system for making change on a card or user account 184 1997
 
CHECKFREE SERVICES CORPORATION (2)
2002/0087,468 Electronic payment risk processing 140 2000
2002/0087,469 Technique of registration for and direction of electronic payments in real-time 121 2000
 
DATATREASURY CORPORATION (2)
5,265,007 Central check clearing system 156 1989
5,930,778 System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the point of receipt 253 1996
 
DECISIONING.COM, INC. (2)
5,870,721 System and method for real time loan approval 652 1996
5,940,811 Closed loop financial transaction method and apparatus 511 1996
 
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 275 1997
6,035,285 Electronic bill presenting methods and bill consolidating methods 211 1999
 
FIRST DATA CORPORATION (2)
4,321,672 Financial data processing system 685 1979
6,490,568 Automated system and method for monitoring financial transactions 113 1999
 
FUJITSU LIMITED (2)
5,321,238 Banking apparatus for processing the bill and the check 184 1991
6,003,762 Transaction terminal for an electronic cashless system 251 1994
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (2)
5,835,899 System and method for deriving financial responsibility identification 81 1996
2003/0110,442 Developing documents 60 2002
 
IMAGETAG, INC. (2)
6,192,165 Apparatus and method for digital filing 160 1997
6,744,936 Apparatus and method for simultaneously managing paper-based documents and digital images of the same 14 2001
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 212 1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data 271 1997
 
MASTERCARD INTERNATIONAL INCORPORATED (2)
5,692,132 System and method for conducting cashless transactions on a computer network 524 1995
5,699,528 System and method for bill delivery and payment over a communications network 985 1995
 
Midwest Payment Systems (2)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 428 1994
5,956,700 System and method for paying bills and other obligations including selective payor and payee controls 361 1997
 
NCR Canada Ltd - NCR Canada Ltee (2)
4,417,136 Method and apparatus for improving bank operation productivity 63 1981
4,523,330 Banking system and method 226 1982
 
ORACLE INTERNATIONAL CORPORATION (2)
6,418,430 System for efficient content-based retrieval of images 134 1999
6,578,015 Methods, devices and systems for electronic bill presentment and payment 165 1999
 
PITNEY BOWES INC. (2)
4,713,761 System for centralized processing of accounting and payment functions 270 1985
6,970,855 Method and system for enterprise-level unassisted customer shipping 49 2002
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 374 1993
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 360 1996
 
SCIENCE DYNAMICS CORPORATION (2)
4,797,913 Direct telephone dial ordering service 203 1987
5,023,904 Direct telephone dial ordering service 213 1989
 
SHORE DEARY, L.L.P. (2)
5,910,988 Remote image capture with centralized processing and storage 404 1997
6,032,137 Remote image capture with centralized processing and storage 333 1998
 
SOLOMON RESEARCH LLC (2)
2002/0069,134 System, method and apparatus for aggregation of cooperative intelligent agents for procurement in a distributed network 112 2001
2003/0233,305 System, method and apparatus for information collaboration between intelligent agents in a distributed network 86 2001
 
SOVERAIN SOFTWARE LLC (2)
5,715,314 Network sales system 1196 1994
5,724,424 Digital active advertising 986 1995
 
TELECHECK INTERNATIONAL, INC. (2)
5,679,938 Methods and systems for interactive check authorizations 285 1994
5,679,940 Transaction system with on/off line risk assessment 340 1995
 
TTI INVENTIONS C LLC (2)
5,283,829 System and method for paying bills electronically 459 1992
6,138,118 Method and system for reconciling concurrent streams of transactions in a database 173 1998
 
WALKER DIGITAL, LLC (2)
6,338,049 User-generated traveler's checks 91 1997
5,945,653 System and method for establishing and executing functions to affect credit card accounts and transactions 299 1997
 
WANG SOFTWARE N.Y., INC. (2)
5,446,740 Method of and apparatus for processing data at a remote workstation 170 1993
5,568,489 Method and apparatus for processing data received at a remote workstation 173 1995
 
5TH MARKET, INC. (1)
6,418,419 Automated system for conditional order transactions in securities or other items in commerce 383 1999
 
ACS State & Local Solutions, Inc. (1)
6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 179 1998
 
ACTUARIAL ANALYTICS L.L.C. (1)
5,784,696 Methods and apparatus for evaluating portfolios based on investment risk 214 1995
 
Adams, Viner and Mosler, Ltd. (1)
6,304,858 Method, system, and computer program product for trading interest rate swaps 306 1998
 
AFFILIATED COMPUTER SERVICES, INC. (1)
6,038,553 Self service method of and system for cashing checks 246 1997
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 300 1997
 
AMAZON.COM, INC. (1)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 551 1995
 
AMCOL INTERNATIONAL CORPORATION (1)
4,975,841 Method and apparatus for reporting customer data 118 1990
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0011,222 INTEGRATED PROCUREMENT MANAGEMENT SYSTEM USING PUBLIC COMPUTER NETWORK 113 1998
 
ARBITOR, INC. (1)
2002/0138,398 Automated bandwidth exchange node system 78 2001
 
ASPECT SOFTWARE, INC. (1)
5,640,577 Data processing system with automated at least partial forms completion 321 1995
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 320 1993
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
5,794,221 Internet billing method 355 1995
 
ATC REALTY FIFTEEN, INC. (1)
6,149,056 Automatic check cashing using biometric identification verification 228 1997
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 402 1997
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
6,125,354 System and method for generating an invoice to rebill charges to the elements of an organization 111 1998
 
BIG BABOON, INC. (1)
6,115,690 Integrated business-to-business Web commerce and business automation system 510 1997
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 273 1994
 
Bostec Systems, Inc. (1)
5,080,748 Card assembly apparatus 169 1990
 
Bottomline Technologies (DE) Inc. (1)
2003/0130,945 Electronic transaction processing server with trend based automated transaction evaluation 51 2002
 
C.H.I. DEVELOPMENT MGMT. LTD. XVII, LLC (1)
6,035,287 Method and apparatus for bundled asset trading 385 1997
 
CAPITAL ONE FINANCIAL CORPORATION (1)
5,583,760 System for establishing and administering funded and post-funded charge accounts 124 1994
 
Capitol Cities/ABC, Inc. (1)
5,396,417 Product distribution equipment and method 172 1991
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 291 1998
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 393 1990
 
CASH BOX, INC. (1)
5,592,377 Check cashing system 221 1995
 
CASHEDGE, INC. (1)
2002/0091,635 Method and apparatus for managing transactions 160 2001
 
CEDEL BANK (1)
5,802,499 Method and system for providing credit support to parties associated with derivative and other financial transactions 270 1995
 
COLLEGE SAVINGS BANK (1)
4,752,877 Method and apparatus for funding a future liability of uncertain cost 348 1986
 
CONEXANT SYSTEMS UK LIMITED (1)
6,111,858 Proxy-controlled ATM subnetwork 169 1997
 
CONNOTECH Experts-conseils, inc. (1)
5,590,196 Secure payment method using facsimile 249 1994
 
DATA MANAGEMENT I LLC (1)
5,134,669 Image processing system for documentary data 147 1990
 
DIVERSITYPATENT, LLC (1)
5,819,238 Apparatus and accompanying methods for automatically modifying a financial portfolio through dynamic re-weighting based on a non-constant function of current capitalization weights 332 1996
 
DOWLEN, JOHN E. (1)
5,336,870 System for remote purchase payment transactions and remote bill payments 270 1992
 
DST SYSTEMS, INC. (1)
2003/0225,663 Open platform system and method 115 2003
 
DUOCASH, INC. (1)
2001/0047,334 System and method for using existing prepaid card systems for making payments over the internet 82 2001
 
Electronique Serge Dassault (1)
4,992,646 Transaction system of the electronic purse type 144 1989
 
ENVOY LLC (1)
5,832,447 Automated system and method for providing real-time verification of health insurance eligibility 219 1994
 
EXECUTONE INTER-TELBUSINESS INFORMATION SYSTEMS, INC. (1)
5,793,861 Transaction processing system and method 263 1996
 
FBS CARD SERVICES, INC. (1)
5,910,896 Shipment transaction system and an arrangement thereof 194 1996
 
Financial Ware, Inc. (1)
5,790,260 Offline digitizing of items for subsequent image processing 19 1995
 
FINMECCANICA S.P.A. (1)
5,898,157 Automatic check reading device 87 1997
 
FIRST VIRTUAL HOLDINGS (1)
5,757,917 Computerized payment system for purchasing goods and services on the internet 775 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 972 1995
 
FOLIO(FN), INC. (1)
6,338,047 Method and system for investing in a group of investments that are selected based on the aggregated, individual preference of plural investors 178 1999
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 415 1997
 
Gemplus Card International (1)
5,563,400 Multi-applications portable card for personal computer 197 1994
 
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 206 1994
 
GHR SYSTEMS, INC. (1)
6,233,566 System, method and computer program product for online financial products trading 475 1999
 
GILBERT, JAMES A. (1)
2003/0018,557 Financial processing gateway structure 94 2002
 
GLOBAL EXPRESS MONEY ORDERS, INC. (1)
6,119,106 Method and apparatus for facilitating customer payments to creditors from a remote site 231 1997
 
Glory Kogyo Kabushiki Kaisha (1)
5,544,043 Check processing equipment 188 1995
 
GOOGLE INC. (1)
5,513,250 Telephone based credit card protection 192 1994
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 187 2003
 
GRAPHIC PACKAGING INTERNATIONAL, INC. (1)
6,292,789 Method and system for bill presentment and payment 280 1998
 
GROUP 1 SOFTWARE, INC. (1)
6,078,907 Method and system for electronically presenting and paying bills 274 1998
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1198 1989
 
HARTFORD FIRE INSURANCE COMPANY (1)
5,557,515 Computerized system and method for work management 286 1995
 
Hipersoft Corp. (1)
6,098,070 Case management for a personal injury plaintiff's law office using a relational database 194 1998
 
HITACHI, LTD. (1)
4,988,849 Financial transaction system 163 1988
 
HUNTINGTON NATIONAL BANK, THE (1)
5,583,759 Mechanism for expediting the deposit, transport and submission of checks into the payment system 189 1995
 
HYPION NETWORK SRVC, LLC (1)
6,058,381 Many-to-many payments system for network content materials 237 1997
 
INFORMATION RETRIEVAL CONSULTANTS (WORLDWIDE HOLDINGS) LIMITED (1)
6,052,674 Electronic invoicing and collection system and method with charity donations 199 1997
 
INTUIT INC. (1)
5,903,881 Personal online banking with integrated online statement and checkbook user interface 492 1997
 
INVENTIV HEALTH, INC. (1)
6,067,524 Method and system for automatically generating advisory information for pharmacy patients along with normally transmitted data 214 1999
 
IP-TPG HOLDCO S.A.R.L. (1)
5,572,004 Method for paying for services and/or goods and apparatus for carrying out the method 129 1995
 
J.D. CARREKER & ASSOCIATES, INC. (1)
5,819,236 System and method for providing advance notification of potential presentment returns due to account restrictions 147 1995
 
KABUSHIKI KAISHA TOSHIBA (1)
2001/0018,666 Settlement system using purchase information 42 2001
 
Lewis, Woodson (1)
2003/0105,641 Electronic ticketing and validation system and method 120 2000
 
LEXISNEXIS RISK SOLUTIONS GA INC. (1)
5,832,464 System and method for efficiently processing payments via check and electronic funds transfer 198 1996
 
LONGITUDE LLC (1)
6,321,212 Financial products having a demand-based, adjustable return, and trading exchange therefor 656 1999
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,748,780 Method and apparatus for imaging, image processing and data compression 215 1994
 
Lykes Bros., Inc. (1)
5,666,493 System for managing customer orders and method of implementation 460 1993
 
MACROMARKETS LLC (1)
5,987,435 Proxy asset data processor 199 1997
 
MELLON BANK, N.A. (1)
6,058,380 System and method for electronically processing invoice information 161 1995
 
MERIDIAN ENTERPRISES CORPORATION (1)
2006/0106,650 Insurance claim payment card system 61 2002
 
MIRROR IMAGING L.L.C. (1)
6,446,072 Method of obtaining an electronically-stored financial document 63 2000
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,544,046 Numerical control unit 91 1992
 
MONEYFAX, INC. (1)
5,122,950 Method of and system for electronic funds transfer via facsimile machines 164 1989
 
Mopex, Inc. (1)
6,088,685 Open end mutual fund securitization process 293 1998
 
MORGAN STANLEY (1)
6,393,409 Computer method and apparatus for optimizing portfolios of multiple participants 176 1997
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 340 1999
 
MORGAN STANLEY DEAN WITTER & CO. (1)
2002/0198,817 Method and apparatus for trading assets, capital, and information 77 2002
 
NEL, JOHANNA MAGDALENA (1)
6,363,364 Interactive system for and method of performing financial transactions from a user base 55 1998
 
NEXTCARD, LLC (1)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 366 1998
 
NIT Data Corporation (1)
6,185,544 Processing system for charge request data 74 1997
 
OFFICIAL PAYMENTS CORPORATION (1)
6,202,054 Method and system for remote delivery of retail banking services 382 1998
 
OLYMPUS OPTICAL CO., LTD. (1)
5,551,021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 237 1994
 
Omron Tateisi Electronics Co. (1)
4,396,985 Electronic cash register system for food dispensing business 173 1981
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1353 1989
 
ONTRACK MANAGEMENT SYSTEMS, INC. (1)
5,740,271 Expenditure monitoring system 53 1994
 
OPEN INVENTION NETWORK, LLC (1)
6,236,972 Method and apparatus for facilitating transactions on a commercial network system 386 1998
 
OPEN SOLUTIONS INC. (1)
5,602,936 Method of and apparatus for document data recapture 255 1995
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 117 2001
 
PAXAR AMERICAS, INC. (1)
5,315,508 Label generating and data tracking system for processing purchase orders 173 1992
 
PAYPAL INTERNATIONAL LIMITED (1)
6,205,433 System and method for multi-currency transactions 184 1998
 
PAYPAL, INC. (1)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 785 1994
 
PHOENIX LICENSING, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 319 1997
 
PRICELINE.COM LLC (1)
6,108,639 Conditional purchase offer (CPO) management system for collectibles 276 1997
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 282 1992
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 194 2002
 
Resource Technology Services, Inc. (1)
5,484,988 Checkwriting point of sale system 270 1994
 
RESPONSE REWARDS SYSTEMS, L.C. (1)
5,508,731 Generation of enlarged participatory broadcast audience 286 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 391 1998
 
SECURUS TECHNOLOGIES HOLDINGS, INC. (1)
2002/0194,096 Optimizing profitability in business transactions 102 2002
 
SEIKO EPSON CORPORATION (1)
6,064,764 Fragile watermarks for detecting tampering in images 262 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 393 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 116 1988
 
SQN (1)
5,444,794 Check image capture system 243 1993
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 415 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 331 1995
 
STEVEN M. HOFFBERG 2004-1 GRAT (1)
2006/0200,258 Vehicular information system and method 1 2006
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1690 1986
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 236 1985
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 240 1998
 
SYBASE, INC. (1)
5,566,330 Method for forming a reusable and modifiable database interface object 249 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 96 2001
 
TEXTWISE LLC (1)
6,026,388 User interface and other enhancements for natural language information retrieval system and method 593 1996
 
The Advest Group, Inc. (1)
4,694,397 Banking/brokerage computer interface system 295 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 247 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 254 1997
 
TRADECARD, INC. (1)
5,717,989 Full service trade system 626 1994
 
TRW Financial Systems, Inc. (1)
4,205,780 Document processing system and method 394 1978
 
UNITED PAN-EUROPE COMMUNICATIONS N.V. (1)
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 801 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 423 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 389 1995
 
WALENBRECK GMBH, LLC (1)
6,088,683 Secure purchase transaction method using telephone number 298 1996
 
Watson; Craig Michael (1)
5,978,780 Integrated bill consolidation, payment aggregation, and settlement system 334 1997
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 413 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 353 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 324 1985
4,823,264 Electronic funds transfer system 562 1986
5,053,607 Point-of-sale device particularly adapted for processing checks 346 1989
5,111,395 Automated fund collection system including means to eliminate duplicate entries from a mailing list 134 1989
5,432,506 Counterfeit document detection system 107 1992
5,326,959 Automated customer initiated entry remittance processing system 374 1992
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 303 1994
5,477,040 Structure for a method of facilitating charge transactions 243 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 391 1995
5,802,498 Computer-aided prepaid transmittal charge billing system 177 1996
6,110,044 Method and apparatus for issuing and automatically validating gaming machine payout tickets 164 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 252 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 156 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 163 2001
2002/0013,728 Universal transaction manager agent, systems and methods 163 2001
2003/0046,218 System and method for protecting positions in volatile markets 123 2001
2002/0055,907 Electronic payment system and method 68 2001
2003/0191,710 Invoice purchase order system 62 2003
2005/0033,690 System and method for digital bill presentment and payment 113 2004

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (20)
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 0 2006
8,351,677 Systems and methods for remote deposit of checks 1 2006
8,433,127 Systems and methods for real-time validation of check image quality 0 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 1 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 7 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 3 2007
8,351,678 Duplicate check detection 2 2008
8,422,758 Systems and methods of check re-presentment deterrent 2 2008
7,974,899 Atomic deposit transaction 54 2008
7,962,411 Atomic deposit transaction 54 2008
7,885,880 Atomic deposit transaction 55 2008
8,391,599 Systems and methods for adaptive binarization of an image 1 2008
8,452,689 Systems and methods of check detection 1 2009
8,542,921 Systems and methods for remote deposit of negotiable instrument using brightness correction 0 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 0 2009
8,392,332 Systems and methods for remote deposit of checks 1 2010
8,464,933 Systems, methods and apparatus for receiving images of one or more checks 1 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 0 2011
8,611,635 Duplicate check detection 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 16 2010
8,645,222 System and methods for mobile ordering and payment 0 2011
 
BILL.COM, INC. (2)
8,521,626 System and method for enhanced generation of invoice payment documents 1 2009
8,738,483 Enhanced invitation process for electronic billing and payment system 0 2011
 
Solutran (2)
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
 
SOLUTRAN, INC. (1)
8,126,807 Control features in a system and method for processing checks and check transactions 3 2008
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 1 2007

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