Return item early notification and return
First Claim
1. A system for processing electronic return items, comprising:
- a plurality of first electronic processors, each of the first electronic processors including a sorting function, and each programmed to electronically receive a different plurality of electronic return item notification files from a different plurality of payor banks, each electronic return item notification file including a data structure with a designated bank of first deposit and electronic reproduction data for at least an entire front face of the return item, wherein each of a plurality of the electronic return item notification files designates a different bank of first deposit, wherein each of the first electronic processors is programmed to process the different electronic return item notification files received thereby; and
a plurality of central processing systems, each of the central processing systems programmed to receive and process different electronic return item notification files received thereby from a plurality of different first electronic processors in advance of and separate from magnetic ink character recognition (MICR) capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated in the different electronic return item notification files,wherein the first electronic processors are programmed to determine based on at least one criterion, for each of a respective different plurality of the given electronic return item notification files received thereby, at least one of the central processing systems from among the plurality of central processing systems at different locations to which to send the electronic return item notification file,wherein the central processing systems are programmed to electronically process in advance of the MICR capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated the plurality of electronic return item notification files received thereby, wherein processing comprises at least one of error checking, and sorting, and retrieval of data from an electronic archive based on information in the electronic return item notification file,wherein the central processing systems are programmed to transmit after processing each of a plurality of the electronic return item notification files directly or indirectly to the respective bank of first deposit designated in the respective electronic return item notification file, wherein for a plurality of the central processing systems some of the electronic return item notification files received thereby designate a different respective bank of first deposit and the respective central processing system is programmed to send each of the respective return notification files to the respective different bank of first deposit designated therein.
5 Assignments
0 Petitions
Accused Products
Abstract
A method, and system for processing electronic return items, the method comprising: receiving directly or indirectly from a plurality of different payor banks a plurality of different electronic return notification files, each electronic return notification file in the plurality for a different bank of first deposit, each electronic return notification file including a data structure with a designated bank of first deposit, an amount, and a reference key for the return item and a return reason; sorting multiple electronic return notification files by designated bank of first deposit; and sending each of a plurality of the electronic return notification files directly or indirectly to its respective designated bank of first deposit.
256 Citations
20 Claims
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1. A system for processing electronic return items, comprising:
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a plurality of first electronic processors, each of the first electronic processors including a sorting function, and each programmed to electronically receive a different plurality of electronic return item notification files from a different plurality of payor banks, each electronic return item notification file including a data structure with a designated bank of first deposit and electronic reproduction data for at least an entire front face of the return item, wherein each of a plurality of the electronic return item notification files designates a different bank of first deposit, wherein each of the first electronic processors is programmed to process the different electronic return item notification files received thereby; and a plurality of central processing systems, each of the central processing systems programmed to receive and process different electronic return item notification files received thereby from a plurality of different first electronic processors in advance of and separate from magnetic ink character recognition (MICR) capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated in the different electronic return item notification files, wherein the first electronic processors are programmed to determine based on at least one criterion, for each of a respective different plurality of the given electronic return item notification files received thereby, at least one of the central processing systems from among the plurality of central processing systems at different locations to which to send the electronic return item notification file, wherein the central processing systems are programmed to electronically process in advance of the MICR capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated the plurality of electronic return item notification files received thereby, wherein processing comprises at least one of error checking, and sorting, and retrieval of data from an electronic archive based on information in the electronic return item notification file, wherein the central processing systems are programmed to transmit after processing each of a plurality of the electronic return item notification files directly or indirectly to the respective bank of first deposit designated in the respective electronic return item notification file, wherein for a plurality of the central processing systems some of the electronic return item notification files received thereby designate a different respective bank of first deposit and the respective central processing system is programmed to send each of the respective return notification files to the respective different bank of first deposit designated therein. - View Dependent Claims (2, 3, 4)
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5. A program product for processing electronic return items, comprising:
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at least one computer-readable medium having program code embodied therein or among them if more than one computer-readable medium, capable of causing, when executed, machines in a network comprising a plurality of first electronic processors programmed to electronically receive electronic return item notification files from a plurality of payor banks, each electronic return item notification file including a data structure with a designated bank of first deposit and electronic reproduction data for at least an entire front face of the return item, each of the first electronic processors programmed at least for a sorting function, and a plurality of central processing systems, each of the central processing systems programmed to receive and process different electronic return item notification files received from a plurality of different first electronic processors in advance of and separate from magnetic ink character recognition (MICR) capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated in the different electronic return item notification files, to perform the following method steps; receiving electronically by each of a plurality of the first electronic processors a different plurality of electronic return item notification files from a different plurality of payor banks, wherein each of a plurality of the electronic return item notification files designates a different bank of first deposit; processing by the first electronic processors the different electronic return item notification files received thereby; determining by the first electronic processors based on at least one criterion, for each of a respective different plurality of the given electronic return item notification files received thereby, at least one of the central processing systems from among the plurality of central processing systems at different locations to which to send the electronic return item notification file; processing electronically by the respective central processing systems in advance of the MICR capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated the plurality of electronic return item notification files received thereby, wherein processing comprises at least one of error checking, and sorting, and retrieval of data from an electronic archive based on information in the electronic return item notification file; and transmitting by the central processing systems after processing each of a plurality of the electronic return item notification files directly or indirectly to the respective bank of first deposit designated in the respective electronic return item notification file, wherein for a plurality of the central processing systems some of the electronic return item notification files received thereby designate a different respective bank of first deposit and the respective central processing system is programmed to send each of the respective return notification files to the respective different bank of first deposit designated therein. - View Dependent Claims (6, 7, 8)
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9. A method for processing electronic return items, comprising:
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in a network comprising a plurality of first electronic processors programmed to electronically receive electronic return item notification files from a plurality of payor banks, each electronic return item notification file including a data structure with a designated bank of first deposit and electronic reproduction data for at least an entire front face of the return item, each of the first electronic processors programmed at least for a sorting function, and a plurality of central processing systems, each of the central processing systems programmed to receive and process different electronic return item notification files received from a plurality of different first electronic processors in advance of and separate from magnetic ink character recognition (MICR) capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated in the different electronic return item notification files; receiving electronically by each of a plurality of the first electronic processors a different plurality of electronic return item notification files from a different plurality of payor banks, wherein each of a plurality of the electronic return item notification files designates a different bank of first deposit; processing by the first electronic processors the different electronic return item notification files received thereby; determining by the first electronic processors based on at least one criterion, for each of a respective different plurality of the electronic return item notification files received thereby, at least one of the central processing systems from among the plurality of central processing systems at different locations to which to send the electronic return item notification file; receiving electronically by each of a plurality of the central processing systems from one or more of the first electronic processors a different plurality from among the electronic return item notification files and from a plurality of the payor banks; processing electronically by the respective central processing system in advance of the MICR capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated the plurality of electronic return item notification files received thereby, wherein processing comprises at least one of error checking, and sorting, and retrieval of data from an electronic archive based on information in the electronic return item notification file; and transmitting by the respective central processing systems after processing each of a plurality of the electronic return item notification files directly or indirectly to the respective bank of first deposit designated in the respective electronic return item notification file, wherein for a plurality of the central processing systems some of the electronic return item notification files received thereby designate a different respective bank of first deposit and the respective central processing system is programmed to send each of the respective return notification files to the respective different bank of first deposit designated therein. - View Dependent Claims (10, 11)
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12. A system for processing electronic return items, comprising:
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a plurality of central processing systems, each of the central processing systems programmed to receive and process electronic return item notification files in advance of and separate from magnetic ink character recognition (MICR) capture, deposit accounting, cash management, and float processing systems of respective banks of first deposit designated in the different electronic return item notification files, each electronic return item notification file including a data structure with a designated bank of first deposit and electronic reproduction data for at least an entire front face of the return item, wherein the central processing systems are programmed to receive electronically a plurality of the electronic return item notification files directly or indirectly from a plurality of payor banks, wherein each of a plurality of the received electronic return notification files designates a different bank of first deposit, wherein each of the central processing systems are programmed to process in advance of the MICR capture, deposit accounting, cash management, and float processing systems of respective banks of first deposit designated the electronic return item notification files received thereby, wherein processing comprises at least one of error checking, and sorting, and retrieval of data from an electronic archive based on information in the electronic return item notification file; and a different transmitter associated with each of the different central processing systems for sending electronically each of a plurality of the electronic return item notification files received thereby directly or indirectly to the respective bank of first deposit designated in the respective electronic return item notification file, wherein for a plurality of the central processing systems some of the electronic return item notification files received thereby designate a different respective bank of first deposit and the respective central processing system is programmed to send each of the respective return notification files to the respective different bank of first deposit designated therein. - View Dependent Claims (13, 14)
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15. A program product for processing electronic return items, comprising:
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at least one computer-readable medium having program code embodied therein or among them if more than one computer-readable medium, capable of causing, when executed, machines in a network comprising a plurality of central processing systems, each of the central processing systems programmed to receive and process and sort different electronic return item notification files received thereby from a plurality of different payor banks in advance of and separate from magnetic ink character recognition (MICR) capture, deposit accounting, cash management, and float processing systems of the respective banks of first deposit designated in the different electronic return item notification files, to perform the following method steps; receiving electronically by a respective one of the central processing systems a plurality of the electronic return item notification files directly or indirectly from a plurality of payor banks, each electronic return item notification file including a data structure with a designated bank of first deposit and electronic reproduction data for at least an entire front face of the return item, wherein each of a plurality of the received electronic return notification files designates a different banks of first deposit; processing electronically by the respective central processing system in advance of the MICR capture, deposit accounting, cash management, and float processing systems of respective banks of first deposit designated the electronic return item notification files received thereby, wherein processing comprises at least one of error checking, and sorting, and retrieval of data from an electronic archive based on information in the electronic return item notification file; and each of the different central processing systems sending electronically each of a plurality of the electronic return item notification files received thereby directly or indirectly to the respective bank of first deposit designated in the respective electronic return item notification file, wherein for a plurality of the central processing systems some of the electronic return item notification files received thereby designate a different respective bank of first deposit and the respective central processing system is programmed to send each of the respective return notification files to the respective different bank of first deposit designated therein. - View Dependent Claims (16, 17)
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18. A method for processing electronic return items, comprising:
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maintaining a plurality of central processing systems each of the central processing systems programmed to process electronic return item notification files in advance of and separate from magnetic ink character recognition (MICR) capture, deposit accounting, cash management, and float processing systems of respective banks of first deposit designated in the different electronic return item notification files, each electronic return item notification file including a data structure with a designated bank of first deposit and electronic reproduction data for at least an entire front face of the return item, wherein the central processing systems are programmed to receive electronically a plurality of the electronic return item notification files directly or indirectly from a plurality of payor banks; receiving electronically by a respective one of the central processing systems a plurality of the electronic return item notification files directly or indirectly from a plurality of payor banks, wherein each of a plurality of the received electronic return notification files designates a different banks of first deposit; processing electronically by the respective central processing system in advance of the MICR capture, deposit accounting, cash management, and float processing systems of respective banks of first deposit designated the electronic return item notification files received thereby, wherein processing comprises at least one of error checking, and sorting, and retrieval of data from an electronic archive based on information in the electronic return item notification file; and transmitting electronically by each of the respective different central processing systems each of a plurality of the electronic return item notification files received thereby directly or indirectly to the respective bank of first deposit designated in the respective electronic return item notification file, wherein for a plurality of the central processing systems some of the electronic return item notification files received thereby designate a different respective bank of first deposit and the respective central processing system is programmed to send each of the respective return notification files to the respective different bank of first deposit designated therein. - View Dependent Claims (19, 20)
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Specification