[특허]Electronic check presentment system having a return item notification system incorporated therein

Electronic check presentment system having a return item notification system incorporated therein 원문보기

IPC분류정보
국가/구분	United States(US) Patent 등록
국제특허분류(IPC7판)	G06F-015/30
출원번호	US-0428690 (1995-04-25)
발명자 / 주소	Josephson Stanley M. (Dallas TX) Kopesec Michael F. (Grapevine TX) Royal P. Darrell (Dallas TX) Stephens Thomas S. (Addison TX) Thompson Mitchell D. (Dallas TX)
출원인 / 주소	J. D. Carreker & Associates, Inc. (Dallas TX 02)
인용정보	피인용 횟수 : 183 인용 특허 : 0

초록 ▼

An Improved Electronic Check Presentment System Having a Return Item Notification System Incorporated Therein provides banks with a fully automated capability to receive early notification of checks that it previously presented to a payor bank and that have subsequently been identified by the payor bank as return checks or unpaid items. Moreover, the Improved Electronic Check Presentment System allows those banks utilizing it to transmit return notifications to downstream correspondent banks and customers. Additionally, the Improved Electronic Check Presentment System Having a Return Item Notification System Incorporated Therein provides presenting banks with the capability to automatically instruct the payor banks\systems as to the method of handling particular return checks, in advance of any return or pay/no pay decision by a payor bank, through the capability to append a selected disposition code to the electronic information associated with the check, at the time the check is initially processed by the presenting bank. As a by-product, the Improved Electronic Check Presentment System provides presenting banks with the capability to correlate item sequence numbers assigned to checks by other banks with different item sequence numbers originally assigned to these checks by the presenting bank. It also provides the capability to reconcile paper checks to electronic check records, even in the event that the paper checks are not in the same order as the electronic check records.

대표청구항 ▼

A processing system network for transmitting data between a presenting bank and a payor bank, comprising: a presenting bank processing system including a memory for storing a transmitting program and a processor, associated with said memory, for executing said transmitting program, said executed transmitting program directing said presenting bank processing system to transmit check information, including at least one return instruction code, in the form of a check record for each check received and processed by said presenting bank; and a payor bank processing system, associated with said presenting bank processing system, including a memory for storing an evaluation program and a processor, associated with said memory, for executing said evaluation program, said executed evaluation program directing said payor bank processing system to receive and evaluate said instruction code for each said check record identified as an exception by said payor bank processing system, and to generate and transmit a return notification for each said exception from said payor bank processing system to said presenting bank processing system.

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Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
상세보기
Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
상세보기
Evans, Steven E.; Pierce, Suzanne Dallmeyer, System and method for providing supplemental payment or transaction information.
상세보기
Templeton, James E.; Bhargava, Sanjay, System and method for reducing RIKS associated with accepting a financial instrument.
상세보기
Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
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Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
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Rosedale,Matthew P.; Master,Warren; Campfield,Thomas; Phinney,John, System and method for trade settlement tracking and relative ranking.
상세보기
Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
상세보기
Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
상세보기
Templeton,James E.; Bhargava,Sanjay, System and method for verifying a financial instrument.
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Hankins, Matthew W.; Mann, William F.; Dickelman, Mark, System and method for waterfall prioritized payment processing.
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Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
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Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
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Loy, John J., Trade receivable processing method and apparatus.
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Loy, John J., Trade receivable processing method and apparatus.
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Loy, John J., Trade receivable processing method and apparatus.
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Loy,John J., Trade receivable processing method and apparatus.
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Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
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Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
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Love, Robert Anthony; Mauriello, Lantanya Neale; Reckord-Yarde, Nesta Valerie; Robertson, Susan Lynne; Williams, Robert; Nelson, Donald E., Value tracking and reporting of automated clearing house transactions.
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Templeton, James E., Verifying the source of electronically exchanged value.
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Hankins, Matthew; Mann, III, William; Dickelman, Mark, Waterfall prioritized payment processing.
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IPC	Description
A	생활필수품
A62	인명구조; 소방(사다리 E06C)
A62B	인명구조용의 기구, 장치 또는 방법(특히 의료용에 사용되는 밸브 A61M 39/00; 특히 물에서 쓰이는 인명구조 장치 또는 방법 B63C 9/00; 잠수장비 B63C 11/00; 특히 항공기에 쓰는 것, 예. 낙하산, 투출좌석 B64D; 특히 광산에서 쓰이는 구조장치 E21F 11/00)
A62B-1/08	.. 윈치 또는 풀리에 제동기구가 있는 것

내보내기 구분	파일저장 인쇄 메일전송
구성항목	기본정보 상세정보 관리번호, 국가코드, 자료구분, 상태, 출원번호, 출원일자, 공개번호, 공개일자, 등록번호, 등록일자, 발명명칭(한글), 발명명칭(영문), 출원인(한글), 출원인(영문), 출원인코드, 대표IPC 관리번호, 국가코드, 자료구분, 상태, 출원번호, 출원일자, 공개번호, 공개일자, 공고번호, 공고일자, 등록번호, 등록일자, 발명명칭(한글), 발명명칭(영문), 출원인(한글), 출원인(영문), 출원인코드, 대표출원인, 출원인국적, 출원인주소, 발명자, 발명자E, 발명자코드, 발명자주소, 발명자 우편번호, 발명자국적, 대표IPC, IPC코드, 요약, 미국특허분류, 대리인주소, 대리인코드, 대리인(한글), 대리인(영문), 국제공개일자, 국제공개번호, 국제출원일자, 국제출원번호, 우선권, 우선권주장일, 우선권국가, 우선권출원번호, 원출원일자, 원출원번호, 지정국, Citing Patents, Cited Patents
저장형식	Text(ASCII format) Excel format PIAS분석(.xls)
메일정보	받는사람 (필수) @ 보내는사람 (선택) @ 제목 내용 KISTI 검색결과 이메일 서비스
안내	총 건의 자료가 검색되었습니다. 다운받으실 자료의 인덱스를 입력하세요. (1-10,000) 검색결과의 순서대로 최대 10,000건 까지 다운로드가 가능합니다. 데이타가 많을 경우 속도가 느려질 수 있습니다.(최대 2~3분 소요) 다운로드 파일은 UTF-8 형태로 저장됩니다. 파일의 내용이 제대로 보이지 않을실 때는 웹브라우저 상단의 보기 -> 인코딩 -> 자동선택 여부를 확인하십시오. ~ Text(ASCII format) Excel format

연합인증

Electronic check presentment system having a return item notification system incorporated therein 원문보기

초록 ▼

대표청구항 ▼

연구과제 타임라인

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연합인증

Electronic check presentment system having a return item notification system incorporated therein 원문보기

초록 ▼

대표청구항 ▼

연구과제 타임라인

전체(0) 논문(0) 특허(0) 보고서(0)

전체(0) 논문(0) 특허(0) 보고서(0)

이 특허를 인용한 특허 (183)

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IPC 상위 출원인

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