초록 ▼

Disclosed are an improved electronic check presentment (“ECP”) system having a non-ECP exceptions notification system incorporated therein and a method of electronically communicating data pertaining to non-ECP exceptions. The method, for use by a presenting bank and a payor bank having check presen

Disclosed are an improved electronic check presentment (“ECP”) system having a non-ECP exceptions notification system incorporated therein and a method of electronically communicating data pertaining to non-ECP exceptions. The method, for use by a presenting bank and a payor bank having check presentment systems between which data related to checks may be electronically transmitted, comprises the steps of: (1) electronically transmitting, from the presenting bank to the payor bank, predetermined presentment information relating to the checks and permitting a determination by the payor bank as to which of the checks are properly payable by the payor bank, (2) comparing records of an exceptions file with records of a receive control file, the exceptions file capable of containing records subject to both ECP and non-ECP exceptions to thereby produce an electronic file of the which of the checks are properly payable by the payor bank and (3) electronically transmitting the electronic file to the presenting bank to thereby provide advance electronic return notification of both ECP and non-ECP exceptions to checks presented by the presenting bank to the payor bank.

대표청구항 ▼

For use by a presenting bank and a payor bank having check presentment systems between which data related to checks may be electronically transmitted, a method of electronically communicating data pertaining to non-ECP exceptions, comprising the steps of: electronically transmitting, from said prese

For use by a presenting bank and a payor bank having check presentment systems between which data related to checks may be electronically transmitted, a method of electronically communicating data pertaining to non-ECP exceptions, comprising the steps of: electronically transmitting, from said presenting bank to said payor bank, predetermined presentment information relating to said checks and permitting a determination by said payor bank as to which of said checks are properly payable by said payor bank; comparing records of an exceptions file with records of a receive control file, said exceptions file capable of containing records subject to both ECP and non-ECP exceptions to thereby produce an electronic file of said which of said checks are properly payable by said payor bank; and electronically transmitting said electronic file to said presenting bank to thereby provide advance electronic return notification of both ECP and non-ECP exceptions to checks presented by said presenting bank to said payor bank.