Abstract: Disclosed are systems, methods, apparatuses, and computer readable media for quickly and efficiently providing individual-level scores that are serve as more-accurate predictions of a target event. These predictions are made using a model that factors specific variables based on transaction attributes gathered from transaction data for the individual, which may be exclusive to certain entities. These individual-level scores can be updated and periodically uploaded to an entity (e.g., a reporting agency) that can utilize existing infrastructure to quickly provide these scores to any requesters.

Abstract: Methods and systems for remote check deposit are disclosed. A check image captured by an image capture device of a mobile device in response to receiving a user actuation causing the image capture device to capture the check image is received. The mobile device is caused to perform optical character recognition (OCR) on the check image to generate OCR data. The OCR data generated from the check image is verified to determine whether it includes required predetermined check data to process the check for remote deposit. The OCR data is provided to a financial institution server for validation processing. In response to receiving a confirmation from a user, the check image is provided to the financial instruction server with instructions to process the check for remote deposit. The mobile device receives a deposit receipt notification from the financial institution server after the check is deposited.

Abstract: The methods and systems described herein provide for processing payments via a mobile device at a retail location while relying solely on non-PCI Scope information at the retail location. A payment processing transaction may be initiated at a point of sale at a retail location, and a unique identifier provided by a mobile device may be used as payment information to facilitate the processing of a payment transaction. Authorizations of payment processing transactions are made by a remotely located server based, at least in part, on the unique identifier provided by the mobile device.

Abstract: Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.

Abstract: A method includes receiving a lockbox transaction order associated with an account of the provider from a first user device where the lockbox transaction order includes a requested transaction and a desired transaction location, validating whether the requested transaction can be completed at the desired transaction location, determining a physical lockbox associated with the provider from a plurality of physical lockboxes at an alternative lockbox transaction location based on determining that the lockbox transaction order cannot be completed at the desired transaction location, transmitting an indication to a user device indicating that the requested transaction can be completed at the alternative lockbox transaction location, preparing the physical lockbox for the requested transaction, and authenticating a user at the physical lockbox where authenticating the user at the physical lockbox enables the physical lockbox to unlock and become accessible by the user.

Abstract: An embodiment of the present invention is directed to developing Autonomous Fraud Risk Management to identify emerging fraud trends in near real-time and mitigate risk by executing strategies to address fraud in a timely manner.

Abstract: A data processing apparatus including communication circuitry configured to receive data indicative of a user and data indicative of an instruction associated with the user, and control circuitry configured to determine whether the received data indicative of the user and data indicative of the instruction associated with the user have been generated in the absence of an explicit command from the user using previously obtained data indicative of the user and data indicative of an instruction associated with the user, to determine whether the received data indicative of the user and data indicative of the instruction associated with the user include a predetermined characteristic, to execute processing to reject the instruction associated with the user as indicated by the received data, and to execute processing to accept the instruction associated with the user as indicated by the received data.

Abstract: A method includes receiving, from a user device, a transaction service request including a transaction identification and a transaction time; identifying a first plurality of lockbox locations that can complete the transaction service request based on the transaction identification and the transaction time, the first plurality of lockbox locations being within a threshold proximity of a geographic area associated with the user account; receiving, from the user device, a selection of one of the lockbox locations of the first plurality of lockbox locations that can complete the transaction service request; configuring a physical lockbox of the selected lockbox location; receiving an unlock attempt; and transmitting an unlock command to the physical lockbox to unlock the door of the physical lockbox based on a comparison of the unlock attempt to a lockbox locking passcode.

Abstract: The techniques herein are directed generally to a “zero-knowledge” data management network. Users are able to share verifiable proof of data and/or identity information, and businesses are able to request, consume, and act on the data—all without a data storage server or those businesses ever seeing or having access to the raw sensitive information (where server-stored data is viewable only by the intended recipients, which may even be selected after storage). In one embodiment, source data is encrypted with a source encryption key (e.g., source public key), with a rekeying key being an encrypting combination of a source decryption key (e.g., source private key) and a recipient's public key. Without being able to decrypt the data, the storage server can use the rekeying key to re-encrypt the source data with the recipient's public key, to then be decrypted only by the corresponding recipient using its private key, accordingly.

Abstract: The present disclosure describes devices and methods of providing a technology environment for analyzing unstructured data to generate structured data. A set of electronic documents, each electronic document associated with a type of product, may be accessed. A data instance for each of the documents may be generated. The data instance may include a plurality of data fields that are based on the type of product. The electronic documents may be analyzed to identify values for each of the plurality of data fields. Analyzing the electronic documents may comprise applying a respective character recognition algorithm to respective electronic documents, and assigning a confidence factor to each of the values. The data instances comprising the values for each of the plurality of data fields may be stored in a second database.

Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.

Abstract: Aspects of the disclosure relate to an IoT (Internet of Things) enabled device that initiates online or offline payment requests. In some arrangements, the IoT payment device may be managed through a central dashboard available via a stationary computing device or mobile device. In an embodiment, an IoT payment device may provide real-time updates that include data such as device function, alerts on maintenance needs, and direct contact with the service provider for any requests related to the IoT devices.

Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.

Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.

Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.

Abstract: Disclosed are methods and systems for validating instruments. For instance, a request to generate a cashier's check may be received from an application executing on a drawer's computing device. Request information may be stored within a data storage entry for the check, and a code to be printed on the check may be generated to include at least a portion of the request information. Instructions may be provided to a printing system to cause the check to be printed with the code, where the printed check is invalid. Instructions may be provided to the application and/or printing system to cause display of a prompt to facilitate a reading of the code to validate the check. When information within the code is read by and received from the printing system, the check may be validated, which triggers a transfer of funds from the drawer's account. Otherwise, the check may remain invalid.

Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.

Abstract: A method performed by a processor of a financial institution computing system includes allowing an account holder at the financial institution to initiate a transaction with the financial institution remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a financial institution's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepared so that the account holder can provide the proper authentication information and access the lockbox.

Abstract: A system and a method are disclosed for identifying a co-applicant based on proximity to an applicant. In an embodiment, a processor determines a location of the applicant, and identifies a plurality of potential co-applicants that are collocated with the location of the applicant. For each respective potential co-applicant of the plurality of potential co-applicants, the processor determines whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant, and, responsive to determining that the respective edge exists, identifies the respective potential co-applicant as a candidate co-applicant. The processor generates for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application. Responsive to detecting a selection of the selectable option, the processor activates the application at a device of the candidate co-applicant.

Abstract: Verifying a check includes receiving, from a check issuer computer system, first check information comprising a first routing number, a first account number, a first check number, and a first dollar amount associated with an issued check. The verifying also includes receiving from a computer system of a payee financial institution, second check information comprising a second routing number, a second account number, a second check number, and a second dollar amount from a received paper check. The method includes verifying that the first check information corresponds to the second check information and sending, to the computer system of the payee financial institution in response to the first check information matching the second check information, a verification message indicating that the first check information corresponds to the second check information.

Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.

Abstract: Potentially fraudulent documents can be identified automatically and flagged for further review. Document fraud detection can include a number of fraud detection tests, where if the document fails any of the tests, the document can be flagged for further review. Various tests can be performed that seek to determine whether a document has been altered. In one instance, a financial instrument can be scanned and analyzed to identify one or more layers associated with the financial instrument from a scanned representation, and a check of transaction details can be triggered when the financial instrument is associated with multiple layers.

Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: an application server coupled with a database and configured to store information associated with a plurality of transactions, the information including account information related to a user account maintained by a first financial institution, a recipient identifier, and account information related to a recipient account maintained with a second financial institution, the application server further configured to: receive transaction data associated with a payment of the transaction, the transaction data comprising an identifier and user account information; identify the recipient account information based on a comparison of the received identifier against the stored recipient identifier; generate transfer instructions data based on the transaction data and recipient account information; and forward the transfer instructions data to the first financial institution based on the user account informatio

Abstract: An example computing device includes: a processor; and a system memory, the system memory including instructions which, when executed by the processor, cause the computing device to: identify a financial account associated with debit card use; parse financial transactions associated with the financial account to identify debit card transactions; categorize the debit card transactions into categories based upon types of merchants; map the categories to incentives associated with a credit card; and present potential savings associated with the incentives.

Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: an application server coupled with a database and configured to store information associated with a plurality of transactions, the information including account information related to a user account maintained by a first financial institution, a recipient identifier, and account information related to a recipient account maintained with a second financial institution, the application server further configured to: receive transaction data associated with a payment of the transaction, the transaction data comprising an identifier and user account information; identify the recipient account information based on a comparison of the received identifier against the stored recipient identifier; generate transfer instructions data based on the transaction data and recipient account information; and forward the transfer instructions data to the first financial institution based on the user account informatio

Abstract: A computer-implemented method, system, and computer program product for reducing fraud based on a forged or altered payslip. A blockchain is configured for recording transactions. A payslip is prepared having information regarding an employee. At least one hash is provided for a portion of the information. The at least one hash and the portion of the information is recorded in the blockchain as a blockchain transaction. A barcode is configured to act as a pointer for locating the blockchain transaction. The barcode is inserted into a barcode location on the payslip. The payslip is delivered to the employee.

Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.

Abstract: Aspects of the disclosure relate to performing enhanced deposit item processing using cognitive automation tools. In some embodiments, a computing platform may receive, from a deposit item input support server, image data associated with a deposit item. Subsequently, the computing platform may apply a machine learning classification model to the image data associated with the deposit item. In doing so, the computing platform may produce one or more predicted values for one or more fields of the deposit item and one or more confidence scores for the one or more predicted values. Based on these predicted values and confidence scores, the computing platform may generate and send one or more commands directing the deposit item input support server to accept or reject the deposit item, which in turn may cause the deposit item input support server to accept or reject the deposit item.

Abstract: Systems, methods and computer programs for transferring data in a communication system are described. The communication system has a first node arranged to send data to a plurality of second nodes using a first protocol. The first protocol allows the transfer of data of a first type. At least one of the second nodes additionally requires data of a second type, which is not included in the data sent according to the first protocol. First data, of the first type, is transferred to a plurality of the second nodes using the first protocol. Second data, of the second type, is stored in a memory. Subsequently, in response to a request, access to the second data is provided to the second node.

Abstract: Described are a system, method, and computer program product for evaluating location-based risk associated with a remote transaction request. The method includes receiving, from a service provider system, a transaction request for a transaction between a user and the service provider system for a requested service, the transaction request identifying at least a location for the requested service. The method also includes generating a risk score for the transaction based at least partially on the transaction request, the location for the requested service, and historical transaction data. The method further includes communicating the risk score for the transaction to the service provider system. Communicating the risk score to the service provider system causes the service provider system to take at least one action based at least partially on the risk score for the transaction.

Abstract: The disclosure describes an apparatus having programmed instructions that when executed cause the apparatus to receive, via a communication network, a paper check image and payer information captured by an application at a device associated with a checking account holder; build an image file using the received paper check image and payer information; send the built image file to a payee financial institution server using the received payer information; and transmit payment confirmation to the device associated with the checking account holder.

Abstract: A real-time data processing system is provided comprising a memory device with computer-readable program code stored thereon, a communication device in communication with a network, and a processing device operatively coupled to the memory device and the communication device. The system establishes an operable communication linkage with a first entity system and a second entity system, the first entity system and the second entity system sharing access to a resource repository stored on the second entity system. The system generates a repository image of the resource repository and tracks an interaction with the resource repository in real-time. Based on the tracked interaction, the system synchronizes the repository image with the resource repository, wherein synchronizing the repository image comprises mirroring the interaction on the repository image and updating the first entity system based on the repository image.

Abstract: A customer service document with an electrical data storage device is provided to deliver customer service information in a secured manner. The data storage device is attached to the customer service document and configured to contain information to be transferred to a customer's data reading device via short-range communication once the data reading device is authenticated. The transferred information can be used by the data reading device in various applications without identity theft concerns.

Abstract: A method including registering, by a computer system of a second financial institution, a recipient using at least one public identifier. The method also can include receiving an expedited funds transfer message. The method additionally can include determining the account number of the recipient account using the private identifier. The method further can include, before the second financial institution receives the sender funds, the second financial institution providing the recipient funds to the recipient account using the account number of the recipient account before the second financial institution receives the sender funds. The method additionally can include notifying the recipient, using at least one of the at least one public identifier, that a payment has been provided to the recipient account in real-time after initiation of the expedited funds transfer message from the first financial institution. Other embodiments are disclosed.

Abstract: Techniques are described for performing forensic assisting and tracing of transaction data from an automated teller machine (ATM) to detect suspicious activity and potential security threats. The techniques include a forensic assisting and tracing (FAST) ATM configured to intercept data packets including transaction data generated by the ATM; map, store, and index the transaction data; and analyze metadata for the transaction data to generate reports on the operation of the ATM for a higher-level hub server. In some examples, a plurality of FAST ATMs may be networked to the hub server such that the hub server receives reports from each of the individual FAST ATMs and analyzes the reports to identify larger, global trends of suspicious activity and potential security threats.

Abstract: In some embodiments, apparatuses and methods are provided herein useful to printing radio frequency identification tag on a sales receipt. In some embodiments, a system comprises a printer, wherein the printer is configured to produce at least a portion of circuitry required for the RFID tag and a control circuit communicatively coupled to the printer, the control circuit configured to identify items associated with a transaction, determine the at least the portion of the circuitry of the RFID tag to be printed, associated the RFID tag with one or more of the items, cause the printer to print the at least the portion of the circuitry required for the RFID tag on the receipt, receive, from an RFID reader, an indication of the RFID tag and indications of RFID tags associated with products, and compare the indications of the RFID tags associated with products and the one or more of the items associated with the RFID tag.

Abstract: Methods, systems and instructions stored on computer-readable media for receiving a plurality of invoices associated a vendor and one or more buyers. Each invoice is associated with a respective buyer and includes an invoice amount to be paid by a deadline. Each invoice is sent to the respective buyer. Possible early payment invoices that are available for early payment prior to the respective deadline from the plurality of invoices are determined. Notification, including a discount, is sent to the vendor regarding the possible early payment invoices. Approval to receive early payment of one or more of the possible early payment invoices is determined. A vendor financial institution and account, and buyer financial institutions and accounts are determined. A quantity of funds based upon the invoice amount and the discount of the one or more of the possible early payment invoices is transferred from the buyer accounts to the vendor account.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.

Abstract: For a consumer having a bank checking account but who is without a preprinted paper check, a signed paper check is electronically constructed for the consumer on a transaction basis, by a computer system. The system captures GPS location from the consumer's phone and prints numerical GPS coordinates onto the check as part of electronically constructing the signed check. One usage context is a system used by creditors obtaining payment from debtors who are overdue on their accounts.

Abstract: An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.

Abstract: An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.

Abstract: Systems and methods are provided herein that can include capturing a plurality of images of a document, analyzing the plurality of images to identify a plurality of acceptable portions within the plurality of images, combining the plurality of acceptable portions to generate a composite image of the document, and transmitting the composite image to a depository. Additionally or alternatively, the systems and methods can include capturing an image of a document, identifying a designated portion of the captured image of the document that fails to satisfy a predetermined image quality criteria, recapturing an image of only the designated portion of the document, generating a composite image from the captured image of the document and the recaptured image of only a portion of the document, and transmitting the composite image of the document to a depository via a communication pathway.

Abstract: Systems and methods for presenting fraud detection information are presented. In one example, a computer system analyzes empirical data to detect potentially fraudulent activity and alerts users of the potentially fraudulent activity via a fraud detection user interface. The fraud detection user interface determines a set of user interface components to suitable to present the potentially fraudulent activity and presents facts associated with the potentially fraudulent activity to a user for further analysis and investigation.

Abstract: In one embodiment, a system includes at least one processor and logic configured to receive a request to process data stored in one or more index records in a keyed index of a database, determine an active key range for the one or more index records, and group the one or more index records into a number of groups for parallel processing thereof. In another embodiment, a method for utilizing a keyed index includes receiving a request to process data stored in index records in a keyed index of a database, determining an active key range for the index records, wherein the active key range is determined based on any of: a type of the index records, a horizontal pointer to a next index record, and a low key value for each index record, and grouping the index records into a number of groups for parallel processing thereof.

Abstract: An identification information centralizing method capable of receiving services provided by a plurality of corporations by using a single item of identification information. Centralized ID information (162) for identifying a customer is assigned by a centralizing corporation. Individual ID information (168) which is uniquely assigned to identify the customer by a plurality of corporations which provide services to a pre-registered customer is registered in a database (160) in such a manner as to be associated with the centralized ID information (162), so that provision of services by a plurality of corporations is made possible by using the single item of centralized ID information (162).

Abstract: The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.

Abstract: A technique allows a newsfeed item shown in a newsfeed of a social network to be easily promoted to another newsfeed in the social network. In a specific embodiment, the system receives a first user's promotion selection of an item displayed in a newsfeed of the first user. The item includes content provided by a second user. The first user is prompted to select a destination newsfeed. A selection of the destination newsfeed is received and the item is published on the destination newsfeed for a third user.

Abstract: Aspects of the disclosure relate to providing apparatus and methods for processing co-mingled paper correspondence received at a central location. Apparatus and methods provide an ability to co-mingle paper correspondence and corresponding digital images of the paper correspondence. Apparatus and methods provide an ability to translate transaction information extracted from the co-mingled correspondence to a payment time. Apparatus and methods provide may utilize custom scan templates to improve a reliability and accuracy of information extracted from co-mingled correspondence.

Abstract: Determining sequences of queries for retrieving images of negotiable instruments such as checks. A request for a check image is received from a first computer such as an account holder computer at a second, intermediate computer that hosts an on-line banking program and is in communication with a third computer of a financial institution. A sequence program is executed to determine a first sequence of queries having respective query formats available to attempt to retrieve the requested image from an image server or data store. The first sequence is determined based on historical data of whether respective query formats were successfully used in the past to retrieve respective requested images from the data store and is dynamically updated to reflect whether queries were used to retrieve requested images. Thus, with embodiments, the order of queries to utilize is dynamic and can change as opposed to being pre-determined or static.

Abstract: A method of processing a deposit transaction includes populating, using a teller terminal, a data file associated with the deposit transaction with a customer account number located on a physical deposit slip associated with the deposit transaction. The deposit slip further includes a total currency bill deposit amount. Physical currency bills associated with the deposit transaction are received in an input receptacle of a document processing device. Each of the received physical currency bills associated with the deposit transaction are denominated using the document processing device to obtain a total value for the physical currency bills. An electronic cash-in ticket image having the total value for the physical currency bills and the customer account number is generated. The electronic cash-in ticket image is used by a proof of deposit system to balance the deposit transaction. The data file is populated with the total value for the physical currency bills.