Remote Deposit Gateway

• US 20090106154A1
• Filed: 10/16/2008
• Published: 04/23/2009
• Est. Priority Date: 10/17/2007
• Status: Abandoned Application

• Current Assignee: Guardian Payment Systems LLC
• Original Assignee: Guardian Payment Systems LLC
• Inventors: Reynolds, Tim, Schoenberger, David
• Application Number:
  US12/252,745
• Publication Number:
  US 20090106154A1
• Time in Patent Office: Days
• US Class Current: 705/45
• CPC Class Codes: G06Q 10/109 Time management, e.g. calendars, reminders, meetings or time accounting
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

The remote deposit gateway is a payment management system designed to capture many types of payments and provide basic management tools for tracking and researching these payments. Payment capture of check images are used for Check 21 Act processing. Recurring checks allow scanned checks to be used on a recurring payment plan. Credit card payments can be entered for single or recurring payments. Management of returns and special notes for each item are allowed in the system. Batching of payments and checking sums is a feature of the system. The system employs a smart calendar program to track processing chronologically. Use of the system speeds up funds collection times, reduces collection costs and increases collection rates on returned items.

Claims