Patent ID: 7979352

Claim:
A method of centralizing check images for access by both a capture bank and a paying bank, the method comprising: receiving at a computer system at a substantially centralized storage system a single file including the check images from the capture bank; acquiring at the computer system at the substantially centralized storage system a cross-reference file; determining by the computer system how to parse the cross-reference file by referring to a profiling database including specific index data values provided by the paying bank; parsing by the computer system the cross-reference file to build a paying bank specific index while maintaining by the computer system the check images and the paying bank specific index in the substantially centralized storage system; and rendering by the computer system the check images to the capture bank upon retrieval by the capture bank and to the paying bank only as necessary based on being retrieved by the paying bank using the paying bank specific index so that the check images are accessible upon retrieval by both the capture bank and the paying bank from the substantially centralized storage system.