METHOD AND SYSTEM FOR CONSOLIDATING CASH LETTERS
First Claim
1. A method of consolidating cash letter data for distribution to a specific clearing institution, the method comprising:
- receiving the cash letter data from a plurality of sources;
applying endpoint specific distribution controls to the cash letter data to create an endpoint file for the specific clearing institution, the endpoint file including at least some of the cash letter data; and
sending the endpoint file to the specific clearing institution.
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Accused Products
Abstract
Method and system for consolidating cash letters. Embodiments of the invention provide methods and systems for consolidating cash letter data from a plurality of capture devices and sources. In example embodiments, data from multiple sites and sources can be assembled into a single, endpoint file for a specific clearing institution. The reformatting and distributing of this data can be accomplished using endpoint specific rules and specifications. In some embodiments, a transaction exchange (TRX) stores cash letter data according to a file key and applies the endpoint specific distribution controls to the data to create the specific endpoint files. The transaction exchange can take the form of a data warehouse with processing and storage capabilities necessary to sweep the appropriate cash letter data into an endpoint file as needed. An image archive can be provided to enable appending images to endpoint files.
160 Citations
30 Claims
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1. A method of consolidating cash letter data for distribution to a specific clearing institution, the method comprising:
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receiving the cash letter data from a plurality of sources;
applying endpoint specific distribution controls to the cash letter data to create an endpoint file for the specific clearing institution, the endpoint file including at least some of the cash letter data; and
sending the endpoint file to the specific clearing institution. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 20)
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11. Apparatus for consolidating cash letter data for distribution to clearing institutions, the apparatus comprising:
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means for receiving the cash letter data from a plurality of sources;
means for applying endpoint specific distribution controls to the cash letter data to create an endpoint file for a specific clearing institution, the endpoint file including at least some of the cash letter data; and
means for sending the endpoint file to the specific clearing institution. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A system for consolidating cash letter data for distribution to clearing institutions, the system comprising:
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connectivity to receive the cash letter data from a plurality of sources;
a connection to send endpoint files including at least some of the cash letter data to the clearing institutions; and
a transaction exchange (TRX) to store cash letter data and to apply endpoint specific distribution controls to the cash letter data to create a specific endpoint file for a specific clearing institution. - View Dependent Claims (18, 19, 21, 22)
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23. A computer readable storage medium encoded with a file key to enable the sending of a consolidated cash letter, the file key further comprising:
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a date field;
a capture site identifier field to identify at least one source of cash letter data from among a plurality of sources;
an identification (ID) number field to identify a specific endpoint corresponding to a specific clearing institution; and
a sweep number field corresponding to a sweep operation in which endpoint specific distribution controls are applied to the cash letter data to create an endpoint file. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30)
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Specification