GRANULAR, USER-ACCESIBLE PAPER PAYMENT PROCESSING INDICATORS

摘要

Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.

主权项

1. An article of manufacture comprising a non-transitory computer usable medium having computer readable program code embodied therein, the code when executed by a processor causes a computer associated with a financial institution to electronically notify an individual of a received correspondence item, and to provide payment status indication in response, at least in part, to the received correspondence item, the computer readable program code in said article comprising:
computer readable program code for causing the computer to receive a paper correspondence item; computer readable program code for causing the computer to derive a digital image from the correspondence item; computer readable program code for causing the computer to identify, based on the derived digital image, whether the correspondence item is classified as one of a deposit, a payment or a legal order processing document, and to identify, based on the derived digital image of the correspondence item, the individual associated with the correspondence item; computer readable program code for causing the computer to, in response to the classification of the correspondence item as one of a deposit, a payment or a legal order processing document, route the correspondence item to a sub-entity of the financial institution, said sub-entity being associated with a classification associated with the correspondence item; and computer readable program code for causing the computer to use a real-time notification channel to notify the individual of receipt of the correspondence item based, at least in part, on the identification of the individual and on a communication protocol associated with the sub-entity; computer readable program code for causing the computer to use the real-time notification channel to transmit to the individual a payment status indicator, said payment status indicator selected from a group consisting of “timely received,” “timely paid” and “amount paid;” wherein the real-time notification channel is a user-defined or system-set notification channel.