Payment validation network
First Claim
1. A check validation system, comprising:
- a network of validation cells, each said cell being associated with at least one local qualifier system for assessing risk of loss in accepting a check; and
an input/output (I/O) source operatively connected to at least one cell for obtaining transaction data associated with a check at a point of presentment;
wherein a given validation cell that is operatively connected to a requesting I/O source receives transaction data therefrom in connection with a given check and forwards a payment validation request to at least one other cell without foreknowledge of validation capabilities or native data format of said at least one other cell, said request for obtaining at least one validation result from at least one remote qualifier system associated with the at least one other cell; and
wherein the given cell transmits at least one validation assessment back to the requested I/O source based on the at least one validation result.
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Accused Products
Abstract
A payment validation network having network of payment validation cells, each of which includes: one or more local qualifier systems for assessing the risk of loss in accepting a check; a service finder for identifying the scope of coverage provided by each of the local qualifier systems and for identifying the scope of coverage provided by other cells; and one or more input/output (I/O) sources for obtaining transaction data associated with a check at a point of presentment. The request servicer interfaces with the I/O sources, service finder and the qualifier systems in order to (i) receive transaction data from an I/O source in connection with the check, including the routing/transit number, (ii) maintain a user profile for the I/O source, (iii) consult the service finder to identify which local qualifier systems cover the routing/transit (R/T) number associated with the check, (iv) transmit a payment validation request to the identified local qualifier systems and at least one other remote request servicer in accordance with the user profile, (v) receive one or more validation results from local qualifier systems or remote request servicers, and (vi) process said results to provide a homogeneous validation assessment to the requesting I/O source.
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Citations
29 Claims
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1. A check validation system, comprising:
- a network of validation cells, each said cell being associated with at least one local qualifier system for assessing risk of loss in accepting a check; and
an input/output (I/O) source operatively connected to at least one cell for obtaining transaction data associated with a check at a point of presentment;
wherein a given validation cell that is operatively connected to a requesting I/O source receives transaction data therefrom in connection with a given check and forwards a payment validation request to at least one other cell without foreknowledge of validation capabilities or native data format of said at least one other cell, said request for obtaining at least one validation result from at least one remote qualifier system associated with the at least one other cell; and
wherein the given cell transmits at least one validation assessment back to the requested I/O source based on the at least one validation result. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
- a network of validation cells, each said cell being associated with at least one local qualifier system for assessing risk of loss in accepting a check; and
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15. A check validation system, comprising:
- a network of validation cells, each said cell being associated with at least one local qualifier system for assessing risk of loss in accepting a check; and
an input/output (I/O) source operatively connected to at least one cell for obtaining transaction data associated with a check at a point of presentment;
wherein each validation cell is enabled to receive a payment validation request from an I/O source or an originating cell and forward said request to at least one other cell without foreknowledge of capabilities or native data format of said at least one other cell, said request for obtaining at least one validation result from at least one remote qualifier system and thereafter transmit at least one validation result back to the I/O source or originating cell.
- a network of validation cells, each said cell being associated with at least one local qualifier system for assessing risk of loss in accepting a check; and
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16. A check validation system, comprising:
- a network of validation cells, each said cell having at least one qualifier system for assessing at least one of (i) the proper issuance of checks and (ii) the likelihood of checks clearing;
an input/output (I/O) source connected to at least one cell for obtaining transaction data associated with the check at a point of presentment, including transit/routing information; and
service finder means, accessible by each cell, for associating transit/routing codes with one or more qualifier systems capable of assessing the proper issuance or likelihood of clearance of checks bearing the transit/routing codes;
wherein a given validation cell is programmed to receive transit/routing information associated with a given check from a requesting I/O source and in response consult the service finder means, format a payment validation request according to a common network protocol based on the transaction data, and forward said request to one or more other validation cells without foreknowledge of validation capabilities or native data format of said at least one other cell, said request for processing based on the transit/routing number;
the given cell receiving one or more assessments of proper issuance or clearance from the other cells and reporting a homogenous validation assessment to the requesting I/O source.
- a network of validation cells, each said cell having at least one qualifier system for assessing at least one of (i) the proper issuance of checks and (ii) the likelihood of checks clearing;
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17. A check validation system, comprising:
- a plurality of qualifier systems which employ disparate methods for assessing risk of loss in accepting a check; and
a request servicer for communicating with at least one input/output I/O source and obtaining transaction data associated with the check at a point of presentment and for communicating a check payment validation request from the at least one I/O source to at least two of the disparate qualifier systems, wherein either said at least one I/O source or the service requester formats the check payment request according to a common network protocol; and
wherein the service requester is programmed to receive a validation result from each of the disparate qualifier systems and process said results to provide a combined validation result to the requesting I/O source. - View Dependent Claims (18, 19, 20)
- a plurality of qualifier systems which employ disparate methods for assessing risk of loss in accepting a check; and
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21. A check validation cell, comprising:
- a plurality of qualifier systems for assessing risk of loss in accepting a check;
a service finder for identifying a scope of coverage provided by each of the qualifier systems;
a plurality of input/output (I/O) sources for obtaining transaction data associated with a check at a point of presentment;
a request servicer interfacing with the I/O sources, service finder and the qualifier systems in order to (i) receive transaction data from an I/O source in connection with the check, including the routing/transit number, (ii) consult the service finder to identify which qualifier system covers the check, (iii) transmit a payment validation request to the identified qualifier systems, (iv) receive one or more validation results from identified qualifier systems, and (v) process said results to provide a homogeneous validation assessment to the requesting I/O source. - View Dependent Claims (22, 23)
- a plurality of qualifier systems for assessing risk of loss in accepting a check;
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24. A network of check validation cells, each said cell comprising:
- a plurality of local qualifier systems for assessing risk of loss in accepting a check;
a service finder for identifying a scope of coverage provided by each of the local qualifier systems and for identifying at least some other cells;
a plurality of input/output I/O sources for obtaining transaction data associated with a check at a point of presentment;
a request servicer interfacing with the I/O sources, service finder and the qualifier systems in order to (i) receive transaction data from an I/O source in connection with the check, including the routing/transit number, (ii) maintain a user profile for the I/O source, (iii) consult the service finder to identify which local qualifier systems cover the R/T number associated with the check, (iv) transmit a payment validation request to the identified local qualifier systems and at least one other remote request servicer in accordance with the user profile, (v) receive one or more validation results from local qualifier systems or remote request servicers, and (vi) process said results to provide a homogeneous validation assessment to the requesting I/O source. - View Dependent Claims (25, 26, 27, 28, 29)
- a plurality of local qualifier systems for assessing risk of loss in accepting a check;
Specification