US Patent No: 7,668,363

Number of patents in Portfolio can not be more than 2000

Lockbox imaging system

1 Status Updates

Stats

ALSO PUBLISHED AS: 20090060314
ATTORNEY / AGENT: (SPONSORED)
 

Importance

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Abstract

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, NY1855

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mao, Paul Houston, TX 7 109
Mathur, Sumit Sugar Land, TX 17 110
Price, Joanne Houston, TX 8 109

Cited Art

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PAYPAL, INC. (1)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 642 1994
 
PHOENIX LICENSING, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 251 1997
 
PRICELINE.COM INCORPORATED (1)
6,108,639 Conditional purchase offer (CPO) management system for collectibles 210 1997
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 239 1992
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 134 2002
 
RESOURCE TECHNOLOGY SERVICES, INC. (1)
5,484,988 Checkwriting point of sale system 218 1994
 
RESPONSE REWARDS SYSTEMS, L.C. (1)
5,508,731 Generation of enlarged participatory broadcast audience 222 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 64 1995
 
SANSHO SEIYAKU CO., LTD. (1)
5,599,528 Preparation for epidermis 65 1994
 
SARANAC SOFTWARE, INC. (1)
6,233,565 Methods and apparatus for internet based financial transactions with evidence of payment 319 1998
 
SECURUS TECHNOLOGIES HOLDINGS, INC. (1)
2002/0194,096 Optimizing profitability in business transactions 70 2002
 
SEIKO EPSON CORPORATION (1)
6,064,764 Fragile watermarks for detecting tampering in images 236 1998
 
SEMEL OY (1)
2002/0072,976 Device and method for buying an item in a vending machine 47 2001
 
SIGMA COMPUTER RESEARCH ASSOCIATES INC. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 333 1988
 
SILICON VALLEY MICRO C CORPORATION (1)
2005/0177,480 Intelligent billing system 46 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 148 1993
 
SOLITRON DEVICES, INC. (1)
4,931,793 System for providing a warning when vehicles approach a common collision point 98 1988
 
SQN (1)
5,444,794 Check image capture system 177 1993
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 326 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 282 1995
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1423 1986
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 211 1985
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 188 1998
 
SYBASE, INC. (1)
5,566,330 Method for forming a reusable and modifiable database interface object 219 1995
 
SYMBOL TECHNOLOGIES, INC. (1)
2005/0144,059 Personal intelligent shipment system and method 27 2003
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
2002/0052,842 Initiation of an electronic payment transaction 70 2001
 
TEXTWISE LLC (1)
6,026,388 User interface and other enhancements for natural language information retrieval system and method 471 1996
 
THE ADVEST GROUP, INC. (1)
4,694,397 Banking/brokerage computer interface system 243 1984
 
TILLICOMB INTERNATIONAL LDC (1)
5,367,581 Magnetic reader with read head biased against document by resilient deflection of circuit board 77 1993
 
TOSTECKI BROS. L.L.C. (1)
6,070,798 Purchaser generated transaction recording and negotiable instrument payment system 208 1997
 
TRADECARD, INC. (1)
5,717,989 Full service trade system 484 1994
 
TRW FINANCIAL SYSTEMS, INC. (1)
4,205,780 Document processing system and method 329 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 77 2001
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 697 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 88 1989
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 346 1995
 
VAN REMORTAL, FRED (1)
5,136,502 System for funding, analyzing and managing health care liabilities 134 1991
 
VISAINTERNATIONAL SERVICE ASSOCIATION (1)
6,032,133 Electronic bill pay system 282 1995
 
WALENBRECK GMBH, LLC (1)
6,088,683 Secure purchase transaction method using telephone number 247 1996
 
WATSON; CRAIG MICHAEL (1)
5,978,780 Integrated bill consolidation, payment aggregation, and settlement system 273 1997
 
WYNN; SOL H. (1)
5,859,419 Programmable multiple company credit card system 333 1995
 
XEROX CORPORATION (1)
6,970,259 Systems and methods for forgery detection and deterrence of printed documents 69 2000
 
YT ACQUISITION CORPORATION (1)
5,870,723 Tokenless biometric transaction authorization method and system 277 1996
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (26)
4,495,018 Process for producing a reinforced tube 64 1983
4,700,055 Multiple credit card system 262 1985
4,823,264 Electronic funds transfer system 478 1986
5,053,607 Point-of-sale device particularly adapted for processing checks 283 1989
5,111,395 Automated fund collection system including means to eliminate duplicate entries from a mailing list 114 1989
5,432,506 Counterfeit document detection system 86 1992
5,326,959 Automated customer initiated entry remittance processing system 320 1992
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 248 1994
5,477,040 Structure for a method of facilitating charge transactions 197 1994
6,073,104 System for invoice record management and asset-backed commercial paper program management 145 1994
5,802,498 Computer-aided prepaid transmittal charge billing system 149 1996
6,110,044 Method and apparatus for issuing and automatically validating gaming machine payout tickets 133 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 185 1997
6,129,273 Method and apparatus for an automated, computer approved, check cashing system 112 1998
6,721,715 Method and apparatus for localizing currency valuation independent of the original and objective currencies 111 1998
5,987,436 Obligated investment system 95 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 43 2000
2002/0107,770 System for allocating funds in a plurality of stock portfolios 70 2000
2002/0082,985 Method and system for converting existing or future trade credit obligations into a new obligation 34 2000
2002/0087,415 Method and system for on-line shopping utlizing personalized shopping list and electronic network 30 2001
2002/0023,055 System and method for digital bill presentment and payment 129 2001
2002/0013,728 Universal transaction manager agent, systems and methods 114 2001
2003/0046,218 System and method for protecting positions in volatile markets 88 2001
2002/0055,907 Electronic payment system and method 42 2001
2003/0191,710 Invoice purchase order system 46 2003
2005/0033,690 System and method for digital bill presentment and payment 83 2004

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (12)
8,351,677 Systems and methods for remote deposit of checks 0 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 0 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 0 2007
8,351,678 Duplicate check detection 0 2008
8,422,758 Systems and methods of check re-presentment deterrent 0 2008
7,974,899 Atomic deposit transaction 25 2008
7,962,411 Atomic deposit transaction 25 2008
7,885,880 Atomic deposit transaction 26 2008
8,391,599 Systems and methods for adaptive binarization of an image 0 2008
8,392,332 Systems and methods for remote deposit of checks 0 2010
 
JPMORGAN CHASE BANK, N.A. (1)
8,045,784 Lockbox imaging system 4 2010
 
SOLUTRAN (1)
8,126,807 Control features in a system and method for processing checks and check transactions 1 2008

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Aug 23, 2013
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 - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
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