Check Image Storage via Retrieval Activity Analysis

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Solution Overview

Problem

Financial institutions face challenges in efficiently capturing, processing, and storing high volumes of financial document images due to storage space constraints and regulatory requirements for maintaining images at high resolutions for extended periods.

Innovation Solution

The system analyzes check retrieval activity to determine optimal storage locations, schedules, and media speeds for storing and retrieving images, using process intelligence maps to project probable retrieval rates and store images in efficient formats, such as thumbnails, while allowing user configuration and authentication for overriding rules.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If images are stored at high resolutions for extended periods to meet regulatory requirements, then compliance is ensured, but storage space is consumed rapidly

Engineering Contradiction:
Improveregulatory complianceVSAvoidstorage space consumption
Core Design Contradiction:
ReliabilityVSQuantity of substance

Solution Approach 1:

The patent segments images into multiple quality versions (full-resolution and thumbnail). Full-resolution images are retained for regulatory compliance while thumbnails handle frequent access operations. This segmentation allows the system to meet compliance requirements without storing all images at full resolution simultaneously, thereby reducing overall storage space consumption.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent creates thumbnail copies of full-resolution images. These thumbnails serve as lightweight replicas that can be stored and accessed without compromising the original high-resolution images needed for compliance. The copying principle enables the system to provide fast access to image content while maintaining the regulatory-required full-resolution versions separately.

Inventive Principle:
Principle #26Copying

2Manufacturing precision

If all images are stored in full-resolution format, then image quality is maintained, but storage costs increase significantly

Engineering Contradiction:
Improveimage qualityVSAvoidstorage cost
Core Design Contradiction:
Manufacturing precisionVSQuantity of substance

Solution Approach 1:

The patent applies local quality by providing different image quality levels for different use cases. Full-resolution images are maintained for compliance and archival purposes where quality is critical, while thumbnail versions are used for frequent access operations where lower quality is acceptable. This localized quality approach reduces overall storage costs while maintaining image quality where necessary.

Inventive Principle:
Principle #3Local quality

3Device complexity

If images are stored in centralized locations for easy management, then system simplicity is maintained, but retrieval time increases for frequently accessed images

Engineering Contradiction:
Improvestorage management simplicityVSAvoidretrieval time
Core Design Contradiction:
Device complexityVSLoss of time

Solution Approach 1:

The patent performs preliminary action by pre-generating and storing thumbnail versions of images in advance. When retrieval requests occur, the system can immediately serve the pre-prepared thumbnails without needing to process or compress full-resolution images on-demand. This preliminary preparation reduces retrieval time for frequently accessed images while maintaining centralized management of the full-resolution master copies.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS9047317B2Customer activity driven storage
Publication Date: 2015.06.02 BANK OF AMERICA CORP
  • US9047317B2 patent drawing
  • US9047317B2 patent drawing
  • US9047317B2 patent drawing

AI summary

Embodiments of the invention are directed to systems, methods, and computer program products for determining a storage location for an image of a check. In some embodiments, a system is configured to: receive an image of a check, the image being associated with an account associated with a user; analyze check retrieval activity associated with the account; determine, based on the check retrieval activity, a storage location for the image; and store the image at the storage location.