End to end check processing from capture to settlement with security and quality assurance
First Claim
1. A method for the secure and quality assured electronic end to end check processing from capture to settlement comprising:
- capturing
1) check payment data and
2) an electronic image of the check and converting the paper check into a transaction data file and an associated electronic image of the check and;
optimizing the data file and image transmission over a network connection to a financial payments institution by using a data with image to follow transmission protocol determined in accordance with one or more of the bandwidth capability of the network and the criticality of the data associated with the check;
quality assuring (QA) at least one of the captured transaction data; and
associating the QA with the data and the image for the use by one or more endorsers of the check connected to one or more networks in which the check is processed.
1 Assignment
0 Petitions
Accused Products
Abstract
Secure and quality assured electronic end to end check processing from capture to settlement comprising the simultaneous capture of check payment data and an electronic image of the check in which a paper payment instrument is converted into an electronic image and a transaction data file in which image and data file transmission is optimized over a network connection using a data with image to follow protocol dependent upon bandwidth capability and/or criticality of data and at least one of the image and transaction data is quality assured and associated with the data and/or image for use in transmission, settlement, clearing, archive, retrieval and re-presentment by one or a plurality of members on one or more networks.
421 Citations
39 Claims
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1. A method for the secure and quality assured electronic end to end check processing from capture to settlement comprising:
-
capturing
1) check payment data and
2) an electronic image of the check and converting the paper check into a transaction data file and an associated electronic image of the check and;
optimizing the data file and image transmission over a network connection to a financial payments institution by using a data with image to follow transmission protocol determined in accordance with one or more of the bandwidth capability of the network and the criticality of the data associated with the check;
quality assuring (QA) at least one of the captured transaction data; and
associating the QA with the data and the image for the use by one or more endorsers of the check connected to one or more networks in which the check is processed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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Specification