CN102197614A

CN102197614A - Deposit viewing in online banking

Info

Publication number: CN102197614A
Application number: CN2008801316875A
Authority: CN
Inventors: 詹妮弗·L·高德龙; 肯尼思·L·斯内林斯; 詹妮弗·巴特勒塞廷
Original assignee: BankAmerica Corp
Current assignee: Bank of America Corp
Priority date: 2008-08-29
Filing date: 2008-08-29
Publication date: 2011-09-21
Also published as: GB2475201A; BRPI0822995A2; GB201103443D0; WO2010024822A1

Abstract

Methods and systems for providing electronic storage and online accessibility to images of deposited items, deposit correction notices and returned items are disclosed. The system allows for electronic access to items and information that were previously only available to customers via mail.

Description

Deposit in the Web bank is checked

Technical field

Aspect of the present disclosure relates generally to make Web bank to open an account can obtain deposit project (deposit item) image.

Background technology

Bank does not provide the system of the image of deposit relevant item (deposit-related items) to its client at present.At present, bank client must be phoned their bank or be waited for the notice of mailing to them, could obtain about project (deposited items), deposit correction advice, the project (returned items) of returning or notice that deposits in and the details that keeps (hold) notice.

Summary of the invention

Method, system and the computer-readable medium of ability that aspect of the present disclosure is provided for realizing receiving, store and the details of deposit project is provided to the client of Web bank.Below content provided brief overview of the present disclosure so that basic comprehension to some aspects is provided.Its purpose is not sign key of the present invention or important element or delineates scope of the present invention.Following general introduction only is to provide notions more of the present disclosure with the form of simplifying, as the preorder of the more detailed description that provides below.

In one embodiment, disclose a kind of method, it comprises the steps: to receive the data of the image that comprises the deposit project; With described storage in data storage medium; And image that should the deposit project offers the client of Web bank.

In another embodiment, according to aspect of the present disclosure, can in computer-readable medium, provide of the present invention aspect.For example, computer-readable medium can comprise the computer executable instructions of the one or more steps that are used for carrying out method step as described herein.

In another embodiment, according to aspect of the present disclosure, can in system, provide of the present invention aspect, this system comprises database and is used to carry out the various modules of particular task.Depend on embodiment, described various modules can all be the parts of a computing equipment, and perhaps each module can be independent computing equipment.Alternately, any combination of module can be the part of single computing equipment.

Description of drawings

Fig. 1 diagram can realize the advanced computing environment [SCO] of one or more aspects as described herein therein.

The embodiment of system that Fig. 2 diagram is used to receive, store and the image of deposit relevant item is provided to the client of Web bank.

Fig. 3 is the flow chart of embodiment of process that diagram is used to receive, store and the image of deposit relevant item is provided to the client of Web bank.

Embodiment

Embodiments of the invention relate to the system and method that is used to receive, store and the image of deposit or deposit relevant item is provided to the client of Web bank.Aspect of the present invention can be eliminated to the client information and details manually are provided, and increases to transmit the speed of information to the client, and the visuality of the details of the transaction that the client is carried out is provided.Of the present invention aspect some in, can check in the bank client account on the net such as the project of the check that deposits in (deposited checks), deposit correction advice and the project image return.The check that deposits in, deposit correction advice, keep notice, return deposit check (returned deposited checks) etc. in and can be called as the deposit relevant item, or be called deposit project (deposit item) more simply.

Overall computing network

Fig. 1 diagram can realize the advanced computing environment [SCO] of one or more aspects as described herein therein.Computing equipment such as computer 100, can hold multiple assembly, is used for input, output, storage and deal with data.Computer 100 can comprise desktop computer, portable computer, super mobile PC, server etc.Processor 105 can be carried out multiple-task, comprises the one or more application of operation, from extracting (retrieve) data such as the memory device of memory 115 and/or data being outputed to equipment such as display 120.Processor 105 can be connected to random-access memory (ram) module 110, storing applied data and/or instruction temporarily in RAM module 110.Computer 100 can also comprise read-only memory (ROM) 112, under ROM 112 allows storage data thereon to exist after computer 100 is turned off or preserves.ROM 112 can be used to multiple purpose, comprises the basic input/output (BIOS) that is used for storage computation machine 100.ROM 112 can also store date and time information, even also can exist so that experience is shut down and restarted described information.In addition, memory 115 can provide longer-term storage for the several data that comprises application and data file.Memory 115 can comprise any such as in the multiple computer-readable medium of dish driving, optical storage media, tape storage systems, flash memory etc.In one example, processor 105 can extract from memory 115 and use, and the instruction that will be associated with this application when processor 105 is carried out this application is stored in the RAM module 110.

Computer 100 can be by multiple assembly and equipment dateout.As mentioned above, a kind of such output equipment can be a display 120.Other output equipment can comprise audio output apparatus, such as loud speaker 125.Each

output equipment

120 and 125 can be associated with o adapter, and described o adapter is used for converting processor instruction to corresponding Voice ﹠ Video signal such as display adapter 122 and audio frequency adapter 127.Except output system, computer 100 can also receive and/or accept the input from multiple input equipment, and described input equipment is such as keyboard 130, storage medium driving 135 and/or microphone (not shown).As

output equipment

120 and 125, but in

input equipment

130 and 135 each can be associated with the adapter 140 that is used for input is converted to computer-readable/recognition data.In one or more examples, such as the equipment of media drive 135 can serve as input equipment and output equipment the two, allow the user to storage medium (for example, DVD-R, CD-RW etc.) write data and from the storage medium read data.

Computer 100 can also comprise one or more communications components that are used for receiving and sending by network data.Various types of networks comprise cellular network, digital broadcast network, Internet protocol (IP) network etc.Computer 100 can comprise and is adapted to pass through the adapter that the one or more networks in these networks are communicated by letter.Specifically, computer 100 can comprise network adapter 150, and it is used for by IP network and one or more other computer or computing device communication (for example, referring to Fig. 2).In one example, adapter 150 can conveniently pass through the data of network transmission such as the email message and/or the financial data of company or tissue.In another example, adapter 150 can convenient send and receive from the information such as the World Wide Web (WWW) (world wide network) of the Internet.Adapter 150 can comprise the one or more instruction sets relevant with one or more procotols.For example, adapter 150 can comprise first instruction set that is used for the process IP network packet and second instruction set that is associated with the grouping of processing cellular network.In one or more layouts, network adapter 150 can insert for computer 100 provides wireless network.

Those skilled in the art will recognize that, can comprise multiple other assembly such as the computing equipment of computer 100, and equipment that is not limited to describe among Fig. 1 and system.

System

As shown in Figure 2, in some embodiment of this system, bank client 204 can deposit project 208 (check, certificate of deposits etc.) at sales counter 210, traditional ATM 222 or image A TM 224 places.If the project that deposits in 208 deposits at sales counter 210 or traditional ATM 222 places, can use scanning device 230 to generate the image of the project 208 that deposits in so.Financial institution 250 can be connected to scanning device 230 and image A TM 224 directly or indirectly, thereby financial institution 250 can visit the image of the project 208 that deposits in.Afterwards sometime, client 204 can use the computer 270 that is coupled to monitor 280 to visit the image of the project 208 that deposits in.Financial institution 250 can be any set of computer and network, comprises data storage facility, enterprise servers, personal computer, individual server system etc.

In the others of specific embodiment of the present invention, can send the deposit correction advice and keep notice (hold notice).These projects can be sent with electronic form or paper form.If project is sent with the paper form, can use scanning device 230 or some other means that are used to the image of the project that obtains to obtain the image of the deposit project of these types so.

In addition, in the others of some embodiment of the present invention, the deposit project of another type is the check of returning (returned check).Because the check that a variety of causes (comprising insufficient funds) is return can be formed image and be stored in this system, so that retrieved by the client later on.

In various embodiments, the different piece of this system can be integrated in the equipment of any number.For example, in one embodiment, scanning device 230 can provide at each sales counter 210 or ATM 222 positions, and the project 208 that deposits in can be scanned each position in each position.In other embodiments, scanning device 230 can provide at a concentrated position, and each in the project 208 that deposits in can be sent to this concentrated position and scan.In another embodiment, scanning device 230 can provide at some sales counters 210 or ATM 222 positions, but also can provide at a concentrated position.In other embodiments, can have the concentrated position of any number, these concentrated positions can have scanning device 230.

The image of the project 208 that deposits in certain embodiments, can be stored in each sales counter 210 or ATM 222 and 224 positions.In other embodiments, image can be stored in financial institution 250 or be stored in the memory storage device that is connected to financial institution 250.

Computer 270 can be the computer of home personal computer or any other type, and the client can use it to be connected to the bank account of (normally passing through the Internet) financial institution 250 and access customer.In other embodiments, computer 270 can be public computer or the convenient booth (kiosk) that is connected to the network of the connection that is provided to financial institution 250, to allow the visit to client's bank account.

Process

Fig. 3 is that diagram is used to provide the flow chart to the embodiment of the process of the online visit of deposit project.In the first step shown in Figure 3, can send or deposit in various types of deposit projects.In step 302,, can send the deposit correction advice if the amount deposited of the initial registration of client 204 deposit is incorrect.In step 304, the client can carry out the deposit of any mixing of cash and check.In case deposited check in, this check may comprise insufficient funds because a variety of causes is return in step 306.In step 308, can send to keep and notify.After in generating various types of deposit projects each, can generate the image of described deposit project in step 310.In certain embodiments, can in step 320, receive the data relevant then, comprise the image of deposit project, and it is stored in the memory in step 330 with the deposit project.When client 204 in step 340 during the bank account by Web bank's access customer, client 204 can have access rights and can check client's account activity in step 350.During various transaction in the account activity that identifies the client, the client can select to check the image of deposit corrigendum in step 362.In step 364, the client can check the image of the project that deposits in.In addition, the client can check the image of the project of returning or return the image of project notice or check the image that keeps notice in step 368 in step 366.

Can carry out method and system disclosed herein in every way.Described system can be integrated into a plurality of systems and/or step in the single process.

Although also nonessential, those of ordinary skill in the art can be appreciated that various aspects described herein may be implemented as the computer-readable medium of method, data handling system or storage computation machine executable instruction.For example, the imagination computer-readable medium, its storage makes processor carry out the instruction according to the method step of aspect of the present disclosure.For example, the aspect of method step disclosed herein can be carried out on the processor on the computer 100.Such processor can be carried out the computer executable instructions that is stored on the computer-readable medium.

Although show the described herein illustrative embodiment of specific implementation various aspects, it will be understood to those of skill in the art that to the invention is not restricted to these embodiment.Those skilled in the art can make amendment, and particularly make amendment after the instruction of knowing the front.For example, each in the element of previous embodiment can be used separately, perhaps with other embodiment in element combinations use or use in the sub-portfolio mode.Can also realize and understand, can under the situation that does not depart from true spirit of the present invention and scope, make amendment.Therefore, this explanation will be considered to be explanation of the present invention rather than restriction.

Claims

1. method comprises:

Receive the image of deposit project;

Described image is stored in the memory; And

The image of described deposit project is offered the user.

2. the method for claim 1, wherein described deposit project is the check that deposits in.

3. the method for claim 1, wherein described deposit project is the project of returning.

4. the method for claim 1, wherein described deposit project is the deposit correction advice.

5. the method for claim 1, wherein image being offered the user is in response to the request to described image that receives from the user and carries out.

6. the method for claim 1, wherein image being offered the user comprises by network and sends described image.

7. the method for claim 1, wherein image is offered the user and comprise that the image with the deposit project is presented near on user's the screen.

8. method as claimed in claim 5, wherein, the request to described image that receives from the user comprises by network reception described request.

9. the method for claim 1 comprises that also the described deposit project of scanning is to obtain the image of described deposit project.

10. a computer-readable medium comprises computer executable instructions, when described instruction is performed,

Receive the image of deposit project;

Described image is stored in the memory; And

The image of described deposit project is offered the user.

11. computer-readable medium as claimed in claim 10, wherein, described deposit project is the check that deposits in.

12. computer-readable medium as claimed in claim 10, wherein, described deposit project is the project of returning.

13. computer-readable medium as claimed in claim 10, wherein, described deposit project is the deposit correction advice.

14. computer-readable medium as claimed in claim 10 wherein, offers the user with image and is in response to the request to described image that receives from the user and carries out.

15. computer-readable medium as claimed in claim 10 wherein, offers the user with image and comprises by network and send described image.

16. computer-readable medium as claimed in claim 10 wherein, offers the user with image and comprises that the image with the deposit project is presented near on user's the screen.

17. computer-readable medium as claimed in claim 14, wherein, the request to described image that receives from the user comprises by network reception described request.

18. computer-readable medium as claimed in claim 10, wherein, when described computer executable instructions was performed, scanning deposit project was to obtain the image of this deposit project.

19. a device comprises

Storage medium; And

Processor, described processor operationally is coupled to described storage medium, and described processor is configured to:

Receive the image of deposit project;

Described image is stored in the described storage medium; And

The image of described deposit project is offered the user.