Abstract: Client systems use a scanner to convert a paper form of a document to a digital representation and then send the digital representation over a network to a host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document, via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream, using a hierarchy for coordinating the configuration of the host and client systems as well as coordinating the settlement process for the digital representations.

Abstract: A central system for receiving captured transaction data from a plurality of remote capture devices over a network, the remote capture devices including a mobile device type and a fixed location device type, the system comprising: a receipt module to receive the captured transaction data; a processing module to process the received captured transaction data; and a storage module to store the processed transaction data such that characteristic data of the mobile device type is associated with the stored transaction data for said processed transaction data originating from a remote capture device of the mobile device type.

Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

Abstract: Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at least digital images of the original paper deposits and respective deposit information, the system comprising: a communications module that provides a list of one or more deposit functions assigned to each respective user, each of the deposit functions coordinated by a corresponding module of the plurality of deposit modules, and that provides a list of the respective digital data that is associated with each of the assigned deposit modules; the plurality of deposit modules that facilitates a distribution of the deposit functions for the collection and processing of the digital data with one or more users of the plurality of users, the deposit modules including a first module that monitors receipt of the digital images and respective deposit informat

Abstract: Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at least digital images of the original paper deposits and respective deposit information, the system comprising: a communications module that provides a list of one or more deposit functions assigned to each respective user, each of the deposit functions coordinated by a corresponding module of the plurality of deposit modules, and that provides a list of the respective digital data that is associated with each of the assigned deposit modules; the plurality of deposit modules that facilitates a distribution of the deposit functions for the collection and processing of the digital data with one or more users of the plurality of users, the deposit modules including a first module that monitors receipt of the digital images and respective deposit informat

Abstract: An apparatus for obtaining data from a document at point of presentment. The document has a predetermined width, and the apparatus has a frame, a drive mechanism mounted on the frame, and sensors. The drive mechanism is adapted to move the document along a document path in the apparatus between a home position, at which the document is inserted into the apparatus, and an exit position, at which the document is removable from the apparatus. The drive mechanism includes a roller rotatable about a roller axis for engaging a contact portion of the document extending along the width thereof. The roller has a substantially smooth surface for supporting the contact portion. The sensors are for obtaining document data from the contact portion of the document.

Abstract: A method for verifying legibility of an image of a check captured in digital image data, the check having two groups of characters on a front side thereof. Each group includes characters which are numeric representations. The characters in one group have a predetermined relationship to the characters in another group. Each said group is spaced apart from each other and located in a preselected pattern. The method includes the steps of extracting images of each said group from the digital image data, recognizing the images to provide image values of the characters, performing operations on certain image values for one group in accordance with the relationship to provide calculated values, and comparing the image values for another group with the calculated values. If the image and calculated values are not identical, a warning signal is generated.

Abstract: An apparatus for obtaining data from a document at point of presentment. The document has a predetermined width, and the apparatus has a frame, a drive mechanism mounted on the frame, and sensors. The drive mechanism is adapted to move the document along a document path in the apparatus between a home position, at which the document is inserted into the apparatus, and an exit position, at which the document is removable from the apparatus. The drive mechanism includes a roller rotatable about a roller axis for engaging a contact portion of the document extending along the width thereof. The roller has a substantially smooth surface for supporting the contact portion. The sensors are for obtaining document data from the contact portion of the document.