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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
|
| 출원번호 | US-0731529 (1991-07-17) |
| 발명자 / 주소 |
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| 출원인 / 주소 |
|
| 인용정보 | 피인용 횟수 : 344 인용 특허 : 0 |
An Electronic Check Presentment System provides a bank with a fully automated capability for participating in the electronic exchange of check data. It allows banks that utilize the system to take MICR data that has been obtained through check capture methods, selectively extract particular check re
An Electronic Check Presentment System provides a bank with a fully automated capability for participating in the electronic exchange of check data. It allows banks that utilize the system to take MICR data that has been obtained through check capture methods, selectively extract particular check records and place them in the form of electronic cash letters, transfer the electronic cash letters to selected banks, receive electronic cash letters from other banks, reconcile the electronic cash letters against the paper cash letters when they arrive, and input the electronic MICR data into a database responsible for maintaining check records.
A check presentment system for use by a bank within an organization of banks to improve clearing of checks presented between partner banks within the organization, the system comprising: means for capturing check information from paper checks collected by a presenting bank and storing the informatio
A check presentment system for use by a bank within an organization of banks to improve clearing of checks presented between partner banks within the organization, the system comprising: means for capturing check information from paper checks collected by a presenting bank and storing the information in a first database; customer information file means for maintaining in a central file records on each partner bank participating in an electronic check clearing organization, the records including fields for storing an endpoint identification, and parameters relating to electronic check clearing; data processing means responsive to the customer information file means, the data processing means extracting from the first database check information for check items to be presented to a selected partner bank in response to an endpoint identification of the selected partner bank and forming an electronic cash letter data file means, including check information, summary balances and information for identifying the particular cash letter; and electronic means for transmitting the electronic cash letter to a partner bank for presentment of check items by means of the check information in the electronic cash letter.
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