Browse Prior Art Database

Business Case - Check Image Privacy Improvement for Codeline Data IID 2088

IP.com Disclosure Number: IPCOM000247454D
Original Publication Date: 2016-Sep-08
Included in the Prior Art Database: 2016-Sep-08
Document File: 5 page(s) / 71K

Publishing Venue

Undisclosed

Abstract

Conceptual flowcharts and wireframes

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Business Case

Check Image Privacy Improvement for Codeline Data

 IID 2088

 

Table of Contents

 

Overview.. 2

Purpose of this document 2

Background. 2

Description. 3

Recommendation. 4

Section

Overview

1

Check Image Privacy Improvement for Codeline Data

Purpose of this document

This document is prepared as means to further IC&P team members’ understanding of this innovation, which will assist the team in making an informed business decision regarding intellectual property protection.

It is important to note that all associated documentation housed within the database submitted by the inventor must be reviewed in order to make a fully informed evaluation of this innovation.

Background

Check 21 Legislation has enabled financial institutions to begin the exchange of images in place of clearing paper checks. Image quality and usability evaluation are key points of concern for exchange institutions to ensure that poor quality images are not exchanged. Evaluation of images will minimize negative customer impact (privacy breaches) and loss exposure.

This innovation addresses privacy breaches that may occur when a check image is indexed with incorrect account information, thereby allowing the information to be retrieved by an incorrect customer. In high-speed check processing, errors occur where images captured for a check are stored and indexed with an incorrect Magnetic Ink Character Recognition (MICR) codeline for a different account. Typically, this is a "piggyback" situation where half of one check overlays another, or an image that was not properly recovered while clearing a machine malfunction; e.g. jam.

Today, a manual process exists where these suspect items are individually reviewed and decisioned by Item Processing associates, then notifies our archive provider (Viewpointe) to mark these images as “unretrievable” or not viewable by our customers. This new process is an automated means to link the image quality assurance results from the Code Line Data Mismatch (CLDM) inspections with a messaging service to Viewpointe to automatically mark code line data match error images as not viewable image and present a replacement information document to the customer.

Note:

This innovation is in the improve phase of DMAIC; production is slated for November '06, more specifically the IQA engine on image send. Some pieces are already in process of being implemented, such as populating the 54 record off the 3897 - they are leveraging available flag settings that were not previously used. 

Section

Description

2

Items (checks) are captured (images are created) via Item Processing Capture Sites throughout the business day. The images are housed in files that are built and located on an IBM 3890. The 3890 is a capturing device used to process checks by reading the MICR located on the bottom of the checks. The image is captured and the information is posted to update customer accounts. During this image capturing and file creation process the checks are bei...