METHOD FOR TRANSACTION PROCESSING IN A CAPTURE AND DEPOSIT
First Claim
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1. A method of processing transactions, comprising:
- capturing data based on one or more transactions;
identifying each of the one or more transactions as unique item;
associating the one or more transactions with one or more customers; and
applying personalized processing of the one or more transactions for each of the one or more customers.
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Abstract
A system and method for processing transactions is disclosed. The different processes are integrated by use of a controlling processing engine which contains instructions on how the processes should be treated. The system and method provides an end to end integrated system for processing payments and reporting the transaction results in real time. The system and method allows customers to have access to the transaction data in real time and return any excepted payments in real time.
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Citations
27 Claims
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1. A method of processing transactions, comprising:
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capturing data based on one or more transactions;
identifying each of the one or more transactions as unique item;
associating the one or more transactions with one or more customers; and
applying personalized processing of the one or more transactions for each of the one or more customers. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 19)
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14. A system of processing transactions, comprising:
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one or more front end locations for capturing data based on one or more transactions;
one or more centralized processing engines for identifying each of the one or more transactions as unique item, associating the one or more transactions with one or more customers, and applying personalized processing of the one or more transactions for each of the one or more customers. - View Dependent Claims (15, 16, 17, 18, 20, 21, 22, 23, 24, 25)
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26. A method of processing transactions, comprising:
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receiving one or more transactions;
associating the one or more transactions with one or more customers, wherein associating the one or more transactions is based on one or more attributes;
persisting the one or more attributes in one or more data storage systems; and
processing the one or more transactions for each of the one or more customers based on the persisted attributes.
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27. A method of processing transactions, comprising:
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capturing data based on one or more transactions;
identifying each of the one or more transactions as unique item, wherein each of the one or more transactions is identified as at least one of the following transaction types;
credits, deposits, debits, checking, withdrawals, payments, electronic payments, cards, and miscellaneous real-time banking;
associating the one or more transactions with one or more customers, wherein associating the one or more transactions with one or more customers is based on at least one of the following attributes;
customer type, customer activity, customer request, transaction value, transaction frequency, transactions volume, date, time, day of week, time of day, market conditions, image quality, currency, geography, and administrator override;
assigning attributes to the one or more transactions; and
applying personalized processing of the one or more transactions for each of the one or more customers, wherein personalized processing is provided in real-time.
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Specification