Terry W Beck

US Patent:

6863214, Mar 8, 2005

Filed:

Feb 1, 2001

Appl. No.:

09/775079

Inventors:

Terry H. Beck - Advance NC, US

Assignee:

Wachovia Corporation - Charlotte NC

International Classification:

G06F017/60

US Classification:

235379, 705 45, 382137, 382140

Abstract:

A method and apparatus for processing a plurality of financial documents, comprising, a document processor, wherein, for each financial document, the document processor captures data encoded on the financial document and an image of the financial document during a prime pass, and assigns a prime pass sequence number to each financial document. The apparatus includes a computer database in which the prime pass data and image is stored in association with the prime pass sequence number for the financial document. The document processor is adapted to determine whether the financial document should be rejected because the data and document image needs to be repaired or the data only needs to be repaired. If the data and image needs to be repaired, the document processor, or a desktop scanner/reader, recaptures the data and image, assigns a recapture sequence number to the financial document, and the recaptured data and image is stored in the computer database in association with the recapture sequence number. An image repair application is adapted to permit an operator to locate a prime pass image that matches the recaptured image, and to repair the document image by visually comparing the recaptured image with the prime pass image.

US Patent:

7363290, Apr 22, 2008

Filed:

Apr 16, 2001

Appl. No.:

09/835791

Inventors:

Terry H. Beck - Advance NC, US

Assignee:

Wachovia Corporation - Charlotte NC

International Classification:

G06F 17/30

US Classification:

707 3, 707 10

Abstract:

An item capture research system having an item capture subsystem, a transaction data archive subsystem, an image data archive subsystem and a research engine. The item capture subsystem captures and stores transaction data and image data for items, such as checks. The transaction data subsystem has multiple data structures for the storage and retrieval of transaction data information, including, an on-us items data structure, a transit items data structure and an all items data structure. Each such data structure includes an online index to an offline archive file. The image data archive subsystem includes image databases for on-us item images, transit item images and white paper images. An online index to the offline image data is provided for. A research engine provides for efficient search and retrieval of image data and transaction data.

US Patent:

7996312, Aug 9, 2011

Filed:

Mar 1, 2002

Appl. No.:

10/086406

Inventors:

Terry H. Beck - Advance NC, US
Kenneth S. Meloun - Winston-Salem NC, US

Assignee:

Wells Fargo Bank, N.A. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 42, 40 44, 40 45, 707 3, 707200, 711122, 382305, 235379

Abstract:

A method and system for processing electronic check presentment (ECP) data and check image data, where the check image data is transmitted electronically, either with the ECP data or separately. The ECP data has associated ECP sequence numbers assigned in connection with the preparation of an electronic cash letter (ECL). The check image data has associated image sequence numbers assigned to the image file that is transmitted with or following the ECL. A source key and an image key are defined for each item in the ECP data and the image data. An electronic check presentment (EIP) sequence number generated at the receiving financial institution, associates each presented electronic item with the ECP sequence number and image sequence number. System components include a transaction and image import server, an entry creation module, a cross-reference archive load module, a reject repair module, a post preprocessor module and a posting module. These components enable transaction and image data to be imported to a host processing system, formatted, converted between standard image formats, repaired on the date received, archived and posted to customer accounts in a check truncation environment.

US Patent:

20050160039, Jul 21, 2005

Filed:

Mar 7, 2005

Appl. No.:

11/074246

Inventors:

Andrew Garner - Charlotte NC, US
Terry Beck - Advance NC, US

International Classification:

G06F017/60

US Classification:

705045000

Abstract:

A method and apparatus for processing a plurality of financial documents, comprising, a document processor, wherein, for each financial document, the document processor captures data encoded on the financial document and an image of the financial document during a prime pass, and assigns a prime pass sequence number to each financial document. The apparatus includes a computer database in which the prime pass data and image is stored in association with the prime pass sequence number for the financial document. The document processor is adapted to determine whether the financial document should be rejected because the data and document image needs to be repaired or the data only needs to be repaired. If the data and image needs to be repaired, the document processor, or a desktop scanner/reader, recaptures the data and image, assigns a recapture sequence number to the financial document, and the recaptured data and image is stored in the computer database in association with the recapture sequence number. An image repair application is adapted to permit an operator to locate a prime pass image that matches the recaptured image, and to repair the document image by visually comparing the recaptured image with the prime pass image. The repaired document image is then stored in the computer database in association with the corresponding prime pass sequence number.