SYSTEMS AND METHODS FOR CHECK 21 IMAGE REPLACEMENT DOCUMENT ENHANCEMENTS
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United States of America Patent
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Issued Date -
Oct 9, 2008
app pub date -
Oct 7, 2007
filing date -
Oct 10, 2006
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
The present invention provides enhanced processing of Check 21 items using an electronic payment system (EPS) to capture metadata instructions. The metadata includes instructions regarding an intended payment to a payee, and can be generated through a truncation process and optical character recognition, directly from a digitally originated check, and the like. The metadata is stored in a database or the like for further processing instead of printing a paper check. In various exemplary embodiments, the present invention provides a capability to print Image Replacement Documents (IRDs) compliant to Check 21 regulations from the metadata. Further, these IRDs can include enhanced features as described herein.
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