G - Physics – 06 – Q
Patent
G - Physics
06
Q
G06Q 20/00 (2006.01) G06Q 30/00 (2006.01) G06Q 40/00 (2006.01) G06F 15/30 (1990.01)
Patent
CA 2131667
A system for automated compilation, storage and management of a customer profile database of information taken from bank checks transferred as payment in consumer transactions wherein bank checks received by a payee are optically scanned, either as a processing step integrated with a check payment processing routine of a financial institution, or as a separate processing routine for the dedicated purpose of recording the desired customer information, to read customer information from a face of each check such as customer/account holder name and address, monetary amount for which the check was written, date on which the check was written, and any entry in a memorandum field on the check, etc. Optically read customer information is stored in a separate customer information database selectively searchable by, for example, payee name, dollar amounts, account holder address zip code, etc. The system of the invention can be operated and maintained by financial institutions involved in the check payment processing so that such institutions can offer the customer information database as a service to payee/business establishments, or a separate scanning unit operative to perform the customer information database compilation storage and management function of the system of the invention can be located on the premises of the payee/business establishment, or the database maintained or accessible to a third party such as a marketing or advertising company to be used as a research databank for business promotion.
Barrett B.p.
International Business Machines Corporation
LandOfFree
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