System and method for processing duplicative electronic check reversal files
First Claim
1. A computer-implemented method for processing duplicate electronic checks, comprising the steps of:
- receiving a reversal ICL file comprising a reversal item at a processing entity;
comparing the reversal item to a record of previously deposited items;
if the reversal item has not been deposited more than once, forwarding the reversal item to a receiving institution; and
if the reversal item has been deposited more than once, determining whether the reversal item has been previously identified at the processing entity as a duplicate.
8 Assignments
0 Petitions
Accused Products
Abstract
Processing duplicate items in image cash letter (“ICL”) reversal files for efficient handling. A duplicate item processing module can receive ICL reversal files comprising items representing duplicate electronic checks. The duplicate item processing module can determine whether the processing entity erroneously presented the item more than once. The duplicate item processing module can also determine whether the depositing institution erroneously deposited the item more than once for processing. Based on the determination of the source of the error, the duplicate item processing module can make a correction in its own records and/or forward the ICL reversal file with the duplicate item to the receiving institution.
-
Citations
23 Claims
-
1. A computer-implemented method for processing duplicate electronic checks, comprising the steps of:
-
receiving a reversal ICL file comprising a reversal item at a processing entity; comparing the reversal item to a record of previously deposited items; if the reversal item has not been deposited more than once, forwarding the reversal item to a receiving institution; and if the reversal item has been deposited more than once, determining whether the reversal item has been previously identified at the processing entity as a duplicate. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. A computer-implemented method for processing duplicate electronic checks comprising the steps of:
-
receiving at a processing entity a reversal file comprising a reversal item from a depositing institution; comparing the reversal file to a record of deposited files; if the reversal file has not been deposited more than once, forwarding the reversal file to a receiving institution; and if the reversal file has been deposited more than once, determining whether the reversal file has been previously identified at the processing entity as a duplicate. - View Dependent Claims (9, 10, 11, 12, 13)
-
-
14. A computer-implemented method for processing duplicate electronic checks, comprising the steps of:
-
receiving a reversal ICL file comprising a reversal item as a processing entity; comparing the reversal item to a record of previously presented items; if the reversal item was previously presented more than once, forwarding the reversal item to a receiving institution; and if the reversal item has not been previously presented more than once, suspending the reversal item for examination. - View Dependent Claims (15, 16, 17, 18, 19, 20)
-
-
21. A computer-implemented system for processing duplicate electronic checks, comprising:
-
a check processing system operable for processing items in an ICL file for payment or presentment to a receiving institution, the check processing system comprising a first database of records of items previously presented to the receiving institution and a second database of records of items previously deposited with the check processing system for processing; a duplicate item processing module operable for receiving from a depositing institution computer a reversal ICL file comprising a reversal item and for comparing the reversal item to the first database of records of items previously presented and the second database of records of items previously deposited with the check processing system for processing. - View Dependent Claims (22, 23)
-
Specification