US6032137A — Remote image capture with centralized processing …

Claim 1

Independent Claim 193 words

A system for central management, storage and report generation of remotely captured paper transactions from checks comprising: one or more remote data access subsystems for capturing and sending paper transaction data including a payer bank's routing number, a payer bank's routing information, a payer's account number, a payer's check, a payer bank's draft, a check amount, a payee bank's identification number, a payee bank's routing information, and a payee's account number, and further including subsystem identification information comprising at least one imaging subsystem for capturing the checks and at least one data access controller for managing the capturing and sending of the transaction data; at least one central data processing subsystem for processing, sending, verifying and storing the paper transaction data and the subsystem identification information comprising a data management subsystem for managing the processing, sending and storing of the transaction data; and at least one communication network for the transmission of the transaction data within and between said one or more data access subsystems and said at least one data processing subsystem, with the data access subsystem providing encrypted subsystem identification information and encrypted paper transaction data to the data processing subsystem.

Claim 2

Independent Claim 193 words

A system for central management, storage and report generation of remotely captured paper transactions from checks comprising: one or more remote data access subsystems for capturing and sending paper transaction data including a payer bank's routing number, a payer bank's routing information, a payer's account number, a payer's check, a payer bank's draft, a check amount, a payee bank's identification number, a payee bank's routing information, and a payee's account number, and further including subsystem identification information comprising at least one imaging subsystem for capturing the checks and at least one data access controller for managing the capturing and sending of the transaction data; at least one central data processing subsystem for processing, sending, verifying and storing the paper transaction data and the subsystem identification information comprising a data management subsystem for managing the processing, sending and storing of the transaction data; and at least one communication network for the transmission of the transaction data within and between said one or more data access subsystems and said at least one data processing subsystem, with the data access subsystem providing encrypted subsystem identification information and encrypted paper transaction data to the data processing subsystem.

Claim 3

Dependent Claim 26 words

A system as in claim 1 wherein said one or more data access subsystems further comprise at least one scanner for capturing the paper transaction data.

Claim 4

Dependent Claim 64 words

A system as in claim 2 wherein said one or more data access subsystems also capture electronic transactions from credit cards, smart cards and debit cards, signature data or biometric data, further comprising: at least one card interface for capturing the electronic transaction data; at least one signature interface for capturing an electronic signature; and at least one biometric interface for capturing biometric data.

Claim 5

Dependent Claim 52 words

A system as in claim 3 wherein said at least one data access controller successively transforms the captured transaction data to a bitmap image, a compressed bitmap image, an encrypted, compressed bitmap image and an encrypted, compressed bitmap image tagged with information identifying a location and time of the transaction data capture.

Claim 6

Dependent Claim 26 words

A system as in claim 4 wherein said one or more data access subsystems further comprise digital storage for storing the tagged, encrypted, compressed bitmap image.

Claim 7

Dependent Claim 17 words

A system as in claim 5 wherein said at least one card interface initiates the electronic transaction.

Claim 8

Dependent Claim 33 words

A system as in claim 6 wherein said one or more data access subsystems further comprise at least one printer for printing the paper transaction initiated by said at least one card interface.

Claim 9

Dependent Claim 20 words

A system as in claim 7 wherein the paper transaction printed by said at least one printer includes data glyphs.

Claim 10

Dependent Claim 116 words

A system as in claim 1 wherein said data management subsystem of said at least one data processing subsystem comprises: at least one server for polling said one or more remote data access subsystems for transaction data; a database subsystem for storing the transaction data in a useful form; a report generator for generating reports from the transaction data and providing data to software applications; at least one central processing unit for managing the storing of the transaction data; a domain name services program for dynamically assigning one of said at least one server to receive portions of the transaction data for balancing the transaction data among said at least one server; and a memory hierarchy.

Claim 11

Dependent Claim 45 words

A system as in claim 9 wherein said at least one server also polls for biometric and signature data, said database stores the biometric data and the signature data, and said at least one central processing unit verifies the biometric data and the signature data.

Claim 12

Dependent Claim 35 words

A system as in claim 9 wherein said memory hierarchy comprises at least one primary memory for storage of recently accessed transaction data and at least one secondary memory for storage of other transaction data.

Claim 13

Dependent Claim 29 words

A system as in claim 11 wherein said at least one secondary memory comprises at least one write once read many jukebox and at least one optical storage jukebox.

Claim 14

Dependent Claim 33 words

A system as in claim 12 wherein said at least one optical storage jukebox comprises read only memory technology including compact disc read only memory form factor metallic write once read many disc.

Claim 15

Dependent Claim 30 words

A system as in claim 9 wherein said database subsystem comprises at least one predefined template for partitioning the stored transaction data into panels and identifying locations of the panels.

Claim 16

Dependent Claim 27 words

A system as in claim 14 wherein said data processing subsystem further comprises a data entry gateway for correcting errors in the panels of stored transaction data.

Claim 17

Dependent Claim 86 words

A system as in claim 1 wherein said at least one communication network comprises: at least one first local area network for transmitting data within a corresponding one of said one or more remote data access subsystems; at least one second local area network for transmitting data within a corresponding one of said at least one data processing subsystem; and at least one wide area network for transmitting data between said one or more remote data access subsystems and said at least one data processing subsystem.

Claim 18

Dependent Claim 120 words

A system as in claim 16 wherein said at least one communication network further comprises: at least one modem for connecting said at least one first local area network of said one or more data access subsystems to a corresponding one of said at least one second local area network of said at least one data processing subsystem through said at least one wide area network; and at least one bank of modems for connecting said at least one second local area network of said at least one data processing subsystem to a corresponding some of said at least one first local area network of said one or more data access subsystems through said at least one wide area network.

Claim 19

Dependent Claim 39 words

A system as in claim 1 further comprising at least one data collecting subsystem for collecting and sending the electronic or paper transaction data comprising a further management subsystem for managing the collecting and sending of the transaction data.

Claim 20

Dependent Claim 100 words

A system as in claim 18 wherein said further data management subsystem of said at least one data collecting subsystem comprises: at least one server for polling said one or more remote data access subsystems for transaction data; a database for storing the transaction data in a useful form; at least one central processing unit for managing the collecting of the transaction data; a domain name services program for dynamically assigning one of said at least one server to receive portions of the transaction data for balancing the transaction data among said at least one server; and a memory hierarchy.

Claim 21

Dependent Claim 33 words

A system as in claim 19 wherein said memory hierarchy comprises at least one primary memory for collecting transaction data and at least one secondary memory for backup storage of the transaction data.

Claim 22

Dependent Claim 19 words

A system as in claim 20 wherein said at least one secondary memory comprises at least one DLT jukebox.

Claim 23

Dependent Claim 115 words

A system as in claim 18 wherein said at least one communication network comprises: at least one first local area network for transmitting data within a corresponding one of said one or more remote data access subsystems; at least one second local area network for transmitting data within a corresponding one of said at least one data collection subsystem; at least one third local area network for transmitting data within a corresponding one of said at least one data processing subsystem; and at least one wide area network for transmitting data between said one or more remote data access subsystems, said at least one data collection subsystem and said at least one data processing subsystem.

Claim 24

Dependent Claim 189 words

A system as in claim 22 wherein said at least one communication network further comprises: at least one first modem for connecting said at least one first local area network of said one or more data access subsystems to a corresponding one of said at least one second local area network through said at least one wide area network; at least one bank of modems for connecting said at least one second local area network of said at least one data collection subsystem to a corresponding some of said at least one first local area network of said one or more data access subsystems through said at least one wide area network; at least one first wide area network router for connecting a corresponding one of said at least one second local area network of said at least one data collecting subsystem to said at least one wide area network; and at least one second wide area network router for connecting a corresponding one of said at least one third local area network of said at least one data processing subsystem to said at least one wide area network.

Claim 25

Dependent Claim 41 words

A system as in claim 23 wherein said at least one first wide area network and said at least one second wide area network comprises a carrier cloud, said carrier cloud using a frame relay method for transmitting the transaction data.

Claim 26

Dependent Claim 57 words

A system as in claim 22 wherein said at least one second local area network and said at least one third local area network further comprises a corresponding one of at least one network switch for routing transaction data within said at least one second local area network and said at least one third local area network.

Claim 27

Independent Claim 151 words

A method for central management, storage and verification of remotely captured paper transactions from checks comprising the steps of: capturing an image of the paper transaction data at one or more remote locations said transaction data including a payer bank's identification number, a payer bank's routing number, a payer bank's routing information, a payer's account number, a payer's check, a payer bank's draft, a check amount, a payee bank's identification number, a payee bank's routing information, and a payee's account number; and sending a captured image of the paper transaction data; managing the capturing and sending of the transaction data; collecting, processing, sending and storing the transaction data at a central location; managing the collecting, processing, sending and storing of the transaction data; encrypting subsystem identification information and the transaction data; and transmitting the transaction data and the subsystem identification information within and between the remote location(s) and the central location.

Claim 28

Independent Claim 151 words

A method for central management, storage and verification of remotely captured paper transactions from checks comprising the steps of: capturing an image of the paper transaction data at one or more remote locations said transaction data including a payer bank's identification number, a payer bank's routing number, a payer bank's routing information, a payer's account number, a payer's check, a payer bank's draft, a check amount, a payee bank's identification number, a payee bank's routing information, and a payee's account number; and sending a captured image of the paper transaction data; managing the capturing and sending of the transaction data; collecting, processing, sending and storing the transaction data at a central location; managing the collecting, processing, sending and storing of the transaction data; encrypting subsystem identification information and the transaction data; and transmitting the transaction data and the subsystem identification information within and between the remote location(s) and the central location.

Claim 29

Dependent Claim 64 words

The method as in claim 26 wherein said managing the capturing and sending step comprises the steps of: successively transforming the captured transaction data to a bitmap image, a compressed bitmap image, an encrypted, compressed bitmap image and an encrypted, compressed bitmap image tagged with information identifying a location and time of the transaction data capturing; and storing the tagged, encrypted, compressed bitmap image.

Claim 30

Dependent Claim 59 words

The method as in claim 27 wherein said managing the capturing and sending step also captures electronic transactions from credit cards, smart cards and debit cards, signature data or biometric data, further comprising the steps of: initiating an electronic transaction; capturing signature data; capturing biometric data; and printing a paper transaction with data glyphs for the initiated electronic transaction.

Claim 31

Dependent Claim 34 words

A method as in claim 26 wherein: said capturing and sending step occurs at a plurality of remote locations; and said collecting, processing, sending and storing step occurs at a plurality of central locations.

Claim 32

Dependent Claim 99 words

A method as in claim 29 wherein said collecting, processing, sending and storing step comprises the steps of: polling the remote locations for transaction data with servers at the central locations; storing the transaction data at the central location in a memory hierarchy, said storing maintains recently accessed transaction data in a primary memory and other transaction data in a secondary memory; and dynamically assigning the servers at the central location to receive portions of the transaction data for balancing the transaction data among the servers; and generating reports from the transaction data and providing data to software applications.

Claim 33

Dependent Claim 33 words

A method as in claim 30 wherein said storing the transaction data step comprises the steps of: partitioning the stored transaction data with predefined templates into panels; and identifying locations of the panels.

Claim 34

Dependent Claim 30 words

A method as in claim 31 wherein said managing the collecting, processing, sending and storing of the transaction data step comprises correcting errors in the panels of stored transaction data.

Claim 35

Dependent Claim 55 words

A method as in claim 32 further comprising the steps of: polling the remote locations for captured electronic data, captured signature data and captured biometric data with servers at the central locations; and comparing the captured signature data and the captured biometric data to stored signature data and stored biometric data respectively for identification verification.

Claim 36

Dependent Claim 41 words

A method as in claim 32 wherein said transmitting the transaction data step comprises the steps of: transmitting data within the remote locations; transmitting data from each remote location to a corresponding central location; and transmitting data within the central locations.

Claim 37

Dependent Claim 42 words

A method as in claim 34 wherein said transmitting data from each remote location to a corresponding central location step comprises the steps of: connecting each remote location to a corresponding central location; and connecting each central location to corresponding remote locations.

Claim 38

Dependent Claim 54 words

A method as in claim 29 further comprising the steps of: collecting and sending the electronic or paper transaction data at intermediate locations; managing the collecting and sending of the transaction data; and transmitting the transaction data within the intermediate location and between the intermediate locations and the remote locations and the central locations.

Claim 39

Dependent Claim 93 words

A method as in claim 36 wherein said managing the collecting and sending step comprises the steps of: polling the remote locations for transaction data with servers in the intermediate locations; storing the transaction data in the intermediate locations in a useful form, said storing maintains the transaction data in a primary memory of a memory hierarchy and performs backup storage of the transaction data into a secondary memory of the memory hierarchy; and dynamically assigning the servers to receive portions of the transaction data for balancing the transaction data among the servers.

Claim 40

Dependent Claim 57 words

The method as in claim 36 wherein said transmitting the transaction data step comprises the steps of: transmitting data within the remote locations; transmitting data from each remote location to a corresponding intermediate location; transmitting data within the intermediate locations; transmitting data from each intermediate location to corresponding central locations; and transmitting data within the central locations.

Claim 41

Dependent Claim 41 words

A method as in claim 38 wherein said transmitting data from each remote location to corresponding intermediate locations step comprises the steps of: connecting each remote location to a corresponding intermediate location; and connecting the intermediate locations to corresponding remote locations.

Claim 42

Dependent Claim 41 words

A method as in claim 38 wherein said transmitting data from each intermediate location to corresponding central locations comprises the steps of: connecting each intermediate location to an external communication network; and connecting the corresponding central locations to the communication network.

Claim 43

Dependent Claim 39 words

A method as in claim 40 wherein said transmitting data from each intermediate location to corresponding central locations step further comprises the steps of: packaging the transaction data into frames; and transmitting the frames through the external communication network.

Claim 44

Independent Claim 155 words

A system for central management, storage and report generation of remotely captured paper transactions from checks comprising: one or more remote data access subsystems for capturing and sending paper transaction data and verifying transaction data from the checks comprising at least one imaging subsystem for capturing the checks and at least one data access controller for managing the capturing and sending of the transaction data; at least one central data processing subsystem for processing, sending, verifying and storing the paper transaction data and the subsystem identification information comprising a management subsystem for managing the processing, sending and storing of the of the transaction data; and at least one communication network for the transmission of the transaction data within and between said one or more data access subsystems and said at least one data processing subsystem, with the data access subsystem providing encrypted subsystem identification information and encrypted paper transaction data to the data processing subsystem.

Claim 45

Independent Claim 155 words

A system for central management, storage and report generation of remotely captured paper transactions from checks comprising: one or more remote data access subsystems for capturing and sending paper transaction data and verifying transaction data from the checks comprising at least one imaging subsystem for capturing the checks and at least one data access controller for managing the capturing and sending of the transaction data; at least one central data processing subsystem for processing, sending, verifying and storing the paper transaction data and the subsystem identification information comprising a management subsystem for managing the processing, sending and storing of the of the transaction data; and at least one communication network for the transmission of the transaction data within and between said one or more data access subsystems and said at least one data processing subsystem, with the data access subsystem providing encrypted subsystem identification information and encrypted paper transaction data to the data processing subsystem.

Claim 46

Independent Claim 106 words

A method for central management, storage and verification of remotely captured paper transactions from checks comprising the steps of: capturing an image of the check at one or more remote locations and sending a captured image of the check; managing the capturing and sending of the transaction data; collecting, processing, sending and storing the transaction data at a central location; managing the collecting, processing, sending and storing of the transaction data; encrypting subsystem identification information and the transaction data; verifying the transaction data from the check; and transmitting the transaction data and the subsystem identification information within and between the remote location(s) and the central location.

Claim 47

Independent Claim 106 words

A method for central management, storage and verification of remotely captured paper transactions from checks comprising the steps of: capturing an image of the check at one or more remote locations and sending a captured image of the check; managing the capturing and sending of the transaction data; collecting, processing, sending and storing the transaction data at a central location; managing the collecting, processing, sending and storing of the transaction data; encrypting subsystem identification information and the transaction data; verifying the transaction data from the check; and transmitting the transaction data and the subsystem identification information within and between the remote location(s) and the central location.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2003-02-28	2003-08-30	2004-02-29	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2007-02-28	2007-08-30	2008-02-29	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2011-02-28	2011-08-30	2012-02-29	$7700.00	Window Closed / Lapsed

Remote image capture with centralized processing and storage

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