AUTHORIZATION OF CHECK DEPOSITS
First Claim
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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Accused Products
Abstract
A method for authorizing check deposits includes digitally recording a check; using digital image recognition methods to determine digital check data which describe the issuer, the recipient and the sum of the check; and 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 by comparing the digital check data with data from the database; and 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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Citations
12 Claims
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1. A method for authorizing check deposits, comprising the steps of:
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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. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A system for authorizing check deposits, comprising the following components:
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a digital recording unit for scanning a check; a digital image recognition unit for determining the digital check data, which describe the issuer, the recipient and the sum of the check, using digital image recognition methods; an authorization unit for clearing the further processing of the check, having network interfaces and a digital processing unit which are set up and designed in such a manner that further processing of the check is cleared if one or more of the following steps are successful; a) the processing unit checks, in a database protected from external access, whether the issuer of the check has cleared the recipient or the check by comparing the digital check data with data from the database; b) the processing unit loads digital communication addresses of the issuer from a database protected from external access, the digital check data are transmitted to the communication address with the request to digitally clear the check, and digital clearance of the check is received from the issuer. - View Dependent Claims (8, 9, 10, 11, 12)
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Specification