Digital image shifting

Abstract

Apparatus and methods are provided for viewing a check image and selecting a check service to be applied to a check. Check services may include a pay/return decision. The check images may be presented in a carousel view without pop-up windows. The user may import pre-selected check services such as stop payments. Check images may be marked with a status indicator. The status indicator may correspond to a check service applied to the check or a reconciliation error associated with the check. A user may receive notifications of pending expiration of an applied check service. The user may select and apply a check service at any time during a clearing process of the check. User may search for checks and check images based on the check service applied to the check. Search results may include check images and may be transmitted to a requested location such as via e-mail.

What is claimed is: 
     
         1 . A treasury management system comprising:
 a processor;   a non-transitory computer readable media storing instructions that when executed by the processor configure a computer to:
 generate a check image based on a paper check; 
 decompose the check image into a plurality of fields; 
 based on applying a vetting routine to the plurality of fields, mark the check image as an exception; 
 display to a payer:
 the check image; 
 the mark associated with the check image; 
 an approval indicator adjacent to the check image; and 
 a disapproval indicator adjacent to the check image; 
 
 in response to a selection of the approval indicator, confirm a withdrawal of funds from an account of the payer; and 
 in response to a selection of the disapproval indicator, initiate a transfer of funds from an account of the payee to the account of the payer. 
   
     
     
         2 . The treasury management system of  claim 1  wherein when the check image is one of a plurality of check images, the non-transitory computer readable medium comprises instructions that when executed by the processor configure the computer to:
 decompose each check image into the plurality of fields; 
 based on applying the vetting routine to the plurality of fields, mark a subset of the plurality of check images as exceptions; 
 display to the payer in a first position:
 a first member of the subset; 
 the approval indicator; and 
 the disapproval indicator; 
 
 in response to a selection of the approval indicator or the disapproval indicator:
 shift the first member of the subset into a second position; and 
 display to the payer a second member of the subset in the first position. 
 
 
     
     
         3 . The treasury management system of  claim 2 , wherein the first position and the second position correspond to a carousel view of the first member of the subset and the second member of the subset. 
     
     
         4 . The treasury management system of  claim 2  wherein, the non-transitory computer readable medium comprises instructions that when executed by the processor configure the computer to reduce a number of members in the subset in response to a selection, by the payer, of the approval indicator or the disapproval indicator. 
     
     
         5 . The treasury management system of  claim 1 , the non-transitory computer readable medium comprising instructions that when executed by the processor configure the computer to display adjacent to the check image a status indicator showing time remaining for the payer to select the approval indicator or the disapproval indicator. 
     
     
         6 . The treasury management system of  claim 5  wherein the non-transitory computer readable medium comprising instructions that when executed by the processor configure the computer to adjust a color of the status indicator based on the time remaining. 
     
     
         7 . A treasury management system comprising:
 a processor; and   a non-transitory computer readable media storing instructions that when executed by the processor configure a computer to:
 generate an issue file, the issue file comprising a plurality of payments and a check service associated with each payment; 
 receive a plurality of check images corresponding to one or more of the plurality of payments; and 
 for each of the plurality of check images:
 if the check image corresponds to one of the plurality of payments, display to the payer, in a first carousel view:
 the check image; and 
 the check service associated with the payment; and 
 
 if the check image does not correspond to one of the plurality of payments, display to the payer in in a second carousel view:
 the check image; and 
 time remaining to return the payment corresponding to the check image. 
 
 
   
     
     
         8 . The treasury system of  claim 7  wherein the non-transitory computer readable media stores instructions that when executed by the processor configure the computer to adjust a color indicator displayed to the payer in response to a change in the time remaining to return the payment. 
     
     
         9 . The treasury system of  claim 7  wherein the check service corresponds to a stop payment. 
     
     
         10 . The treasury management system of  claim 7 , wherein the non-transitory computer readable media stores instructions that when executed by the processor configure the computer to display adjacent to each check image in the second carousel view:
 a pay indicator; and   a return indicator;   
       wherein a selection by the payee of the pay indicator or the return indicator moves the check image to the first carousel view. 
     
     
         11 . The treasury management system of  claim 7 , wherein the non-transitory computer readable media stores instructions that when executed by the processor configures the computer to, after expiration of the time remaining, apply a default check service to each check image in the second carousel view. 
     
     
         12 . A method of electronically transferring funds in response to a deposit of a check, the method comprising:
 in response to the deposit of the check by a payee, receiving a digital image of the check;   displaying to a payer in a carousel view:
 an approval indicator positioned adjacent to the digital image; and 
 a disapproval indicator positioned adjacent to the digital image; 
   in response to a selection of the approval indicator, confirming an electronic transfer of a payment amount from an account of the payer to an account of the payee; and   in response to a selection of the disapproval indicator, confirming receipt of disapproval instructions from the payer and electronically transferring the payment amount to the account of the payer from the account of the payee.   
     
     
         13 . The method of  claim 12 , further comprising, in response to receiving the digital image, setting a time-period for an expiration of the displaying of the approval indicator and the disapproval indicator. 
     
     
         14 . The method of  claim 13  further comprising, when the time-period is a first time-period, in response to receiving the digital image, setting a second time-period for an expiration of the displaying of the carousel view. 
     
     
         15 . The method of  claim 14  wherein, the second time-period is longer than the first time-period. 
     
     
         16 . The method of  claim 12  wherein when the check is a first check and the digital image is a first digital image, the carousel view comprises:
 displaying the first digital image to the payer in a first position; 
 positioning a second digital image in a second position; and 
 upon receipt of a payer instruction, shifting the second digital image into the first position. 
 
     
     
         17 . The method of  claim 16  further comprising:
 positioning a third digital image in a third position; and 
 upon receipt of the payer instruction, shifting the third image into the first position. 
 
     
     
         18 . The method of  claim 16  further comprising:
 applying a watermark to the first digital image in response to the selection of the approval indicator or the selection of the disapproval indicator; and 
 displaying the watermark when the first digital image is in the first position. 
 
     
     
         19 . The method of  claim 16  the shifting comprising horizontally scrolling from the first image to the second image.