Systems and methods for processing negotiable instruments

• US 20040210523A1
• Filed: 04/07/2003
• Published: 10/21/2004
• Est. Priority Date: 04/07/2003
• Status: Active Grant

• Current Assignee: Integrated Payment Systems Incorporated (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Gains, Cathy, Heller, Robin, Lawless, Kathy, Custy, Jeanne
• Granted Patent: US 7,523,058 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A method of processing negotiable instruments includes receiving a message at a host computer system of an entity that processes negotiable instruments from a client computer of an entity that issues negotiable instruments. The message comprises a request to receive a list of negotiable instruments paid by the processor and issued by the issuer. The method also includes transmitting a file from the host computer system to the client computer. The file includes the list at least one selection arrangement for at least one item in the list. The at least one selection arrangement is programmed to receive information from the issuer relating to issue information for the at least one item. The method also includes receiving at the host computer system issue information relating to one of the items in response to a selection using one of the at least one selection arrangements.

Claims

1. A method of processing negotiable instruments, comprising:

receiving a message at a host computer system of an entity that processes negotiable instruments from a client computer of an entity that issues negotiable instruments, wherein the message comprises a request to receive a list of negotiable instruments paid by the processor and issued by the issuer;

transmitting a file from the host computer system to the client computer, the file comprising;

the list; and

at least one selection arrangement for at least one item in the list, wherein the at least one selection arrangement is programmed to receive information from the issuer relating to issue information for the at least one item;

in response to a selection using one of the at least one selection arrangements, receiving at the host computer system issue information-relating to one of the items.

2. The method of claim 1, wherein the issue information relating to one of the items comprises a selection that indicates that the issuer previously reported the issue information to the processor.

3. The method of claim 2, further comprising:

transmitting from the host computer system to the client computer a file comprising selection arrangements programmed to receive additional issue information relating to the one of the items; and

receiving the additional issue information at the host computer system.

4. The method of claim 3, wherein receiving the additional issue information comprises receiving a date upon which the issuer previously reported the item and an amount relating to the item.

5. The method of claim 1, wherein the issue information relating to one of the items comprises a selection that indicates that the issuer previously reported the issue information to the processor using a different serial number.

6. The method of claim 5, further comprising:

transmitting from the host computer system to the client computer a file comprising selection arrangements programmed to receive additional issue information relating to the one of the items; and

receiving the additional issue information at the host computer system.

7. The method of claim 6, wherein receiving the additional issue information at the host computer system comprises receiving the different serial number used to previously report the item.

8. The method of claim 1, wherein receiving issue information relating to one of the items comprises receiving an instruction to issue the item.

9. The method of claim 1, further comprising:

receiving a request to view an image of the item; and

transmitting a file comprising an image of the item.

10. A system for processing negotiable instruments, comprising:

a host computer system; and

software that programs the host computer system to;

receive from a client computer a request to receive a list of negotiable instruments paid by a processor and issued by a issuer;

transmit a file from the host computer system to the client computer, wherein the file comprises;

the list; and

at least one selection arrangement for at least one item in the list, wherein the at least one selection arrangement is programmed to receive information from the issuer relating to issue information for the at least one item;

receive at the host computer system issue information relating to one of the items.

11. The system of claim 10, wherein the issue information relating to one of the items comprises a selection that indicates that the issuer previously reported the issue information to the processor.

12. The system of claim 11, wherein the software further programs the host computer system to:

transmit from the host computer system to the client computer a file comprising selection arrangements programmed to receive additional issue information relating to the one of the items; and

receive the additional issue information at the host computer system.

13. The system of claim 12, wherein the software further programs the host computer system to receive a date upon which the issuer previously reported the item and an amount relating to the item.

14. The system of claim 10, wherein the issue information relating to one of the items comprises a selection that indicates that the issuer previously reported the issue information to the processor using a different serial number.

15. The system of claim 14, wherein the software further programs the host computer system to:

transmit from the host computer system to the client computer a file comprising selection arrangements programmed to receive additional issue information relating to the one of the items; and

receive the additional issue information at the host computer system.

16. The system of claim 15, wherein the software further programs the host computer system to receive the different serial number used to previously report the item.

17. The system of claim 10, wherein the software further programs the host computer system to receive an instruction to issue the item.

18. The system of claim 10, wherein the software further programs the host computer system to:

receive at the host computer system a request to view an image of the item; and

transmit a file comprising an image of the item to the client computer.