Control features in a system and method for processing checks and check transactions
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United States of America Patent
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Feb 25, 2014
Grant Date -
Feb 7, 2013
app pub date -
Feb 3, 2012
filing date -
Jan 30, 2006
priority date (Note) -
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Abstract
A method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used to promptly initiate the transfer of funds to and from appropriate accounts, while the paper checks, at a remote location and typically lagging in time, are scanned to create digital image files and deposited as an image or substitute check if deemed ACH ineligible. The process further provides for a trial period protocol for performing image matching on ACH-eligible items during a trial period before sending such transactions for settlement.
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