Electronic payment clearing and check image exchange systems and methods
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United States of America Patent
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Oct 24, 2017
Issued Date -
N/A
app pub date -
Mar 28, 2014
filing date -
Jan 30, 2004
priority date (Note) -
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Abstract
A system and corresponding method are provided. The system includes a plurality of first entities (such as banks), each first entity communicatively connected to at least one distributed traffic agent (DTA), a second entity (such as a central facility) communicatively connected to a DTA, and a communication network communicatively connecting the DTAs. A payload containing a data file (such as electronic check presentment data, electronic payment data, or any other data type) is communicated from one first entity to another through their respective DTAs via the communication network. In addition, a transmittal containing control information corresponding to the payload is communicated from the one first entity to the second entity through their respective DTAs via the communication network.
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