Check Image Storage Segmentation for Compliance and Space
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current check imaging systems face challenges in efficiently capturing, processing, and storing high-resolution images of financial documents, leading to storage space issues and compliance difficulties with regulatory requirements for maintaining images at high resolution for extended periods.
Innovation Solution
The system captures and processes check images by creating thumbnail versions and storing individual pieces of check information, allowing for efficient storage and retrieval while maintaining compliance with regulatory requirements by storing high-resolution images for a shorter period and using thumbnail versions for longer archiving.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If high-resolution images of checks are stored for extended periods to comply with regulatory requirements, then compliance with regulatory standards is improved, but storage space requirements increase
Solution Approach 1:
The patent divides the storage system into two segments: high-resolution images are stored for a limited retention period (e.g., 90 days) to meet regulatory requirements, while thumbnail versions are stored for long-term archival. This segmentation allows compliance with regulations during the high-resolution storage period while reducing overall storage space through thumbnail archiving.
Solution Approach 2:
The patent creates thumbnail copies of the original high-resolution check images. These thumbnails serve as simplified representations that occupy minimal storage space while still providing sufficient visual information for archival purposes. The copying principle enables long-term storage of check images without maintaining high-resolution formats indefinitely.
2Manufacturing precision
If high-resolution images are stored indefinitely, then image quality is maintained, but storage costs increase
Solution Approach 1:
The patent applies different quality standards to different storage time periods. High-resolution images are maintained only during the regulatory retention period when full image quality is required. For long-term archival beyond this period, thumbnail versions with lower quality are used, matching the actual needs of different time periods and reducing storage costs accordingly.
3Reliability
If all check information is processed simultaneously, then processing completeness is improved, but processing time increases
Solution Approach 1:
The patent performs preliminary processing of check images by creating thumbnails and extracting metadata (check number, date, amount) immediately upon receipt. This preliminary action prepares the data for subsequent processing steps, allowing the system to handle images more efficiently without compromising processing completeness.
Solution Approach 2:
The patent implements continuous processing where multiple operations occur in parallel: thumbnail generation, metadata extraction, and image storage all proceed simultaneously rather than sequentially. This continuity maintains processing completeness while reducing total processing time through efficient resource utilization.
Data Source
AI summary
Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an unprocessed image of a check; store the unprocessed image, wherein the unprocessed image is accessible to an agent associated with the apparatus and is not accessible to a user of an account associated with the check; process the unprocessed image to create a processed image; store the processed image, wherein the processed image is accessible to the agent and is accessible to the user.