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AUTHORIZATION OF CHECK DEPOSITS

  • US 20150127533A1
  • Filed: 08/13/2012
  • Published: 05/07/2015
  • Est. Priority Date: 08/16/2011
  • Status: Abandoned Application
First Claim
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1. A method for authorizing check deposits, comprising the steps of:

  • digitally recording a check;

    using a digital image recognition method to determine digital check data which describe the issuer, the recipient and the sum of the check;

    authorizing the further processing of the check if one or more of the following steps are successful;

    a) checking, in a database protected from external access, whether the issuer of the check has cleared the recipient or the check by comparing the digitally recorded check data with data from the database;

    b) loading digital communication addresses of the issuer from a database protected from external access, transmitting the digital check data to the communication address with the request to digitally clear the check, and receiving digital clearance of the check from the issuer.

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