Universal positive pay match, authentication, authorization, settlement and clearing system
Number of patents in Portfolio can not be more than 2000
United States of America Patent
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-
Jun 22, 2004
Issued Date -
N/A
app pub date -
Oct 23, 2001
filing date -
Oct 30, 2000
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
An universal positive pay match, authentication, authorization, clearing and settlement system to reduce check and card fraud. The system includes several technologies for inputting check register information connectively from various users of the system, a database for storing the check register information and the check histories, software that searches for and captures escheated check register information, software that automatically polls check register information from the customer, the customer's bank or merchant and conducting and transmitting a partial or full reconciliation of the check register information from the system to the customer. Also included in the system is the ability of the customer's bank to provide either a stalled debit or debit stall to the customer.
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