Cash letter print streams with audit data
First Claim
1. A computer-implemented method for generating a paper cash letter, comprising the steps of:
- creating a plurality of substitute check records byidentifying a plurality of checks to be included in a substitute check bundle, and, for each identified check,inputting an electronic image of a front side of the check in a first data field of a substitute check form definition, andinputting an electronic image of a back side of the check in a second data field of the substitute check form definition;
creating a bundle summary control record by inputting summary information regarding the substitute check bundle into at least one data field of a bundle summary form definition;
storing the substitute check records and the bundle summary control record in a print stream file;
storing an exception report page control record in the print stream file, the exception report page control record comprising exception report information related to at least one of an error in the plurality of substitute check control records and an error in the bundle summary control record; and
generating an instruction that causes a printer to print at least one document based on the print stream file, the at least one document comprising at least one substitute check, each substitute check being associated with one of the substitute check records and comprising each of the electronic images in the associated substitute check record,wherein each substitute check comprises a legal negotiable instrument according to the Check Clearing for the 21st Century Act.
4 Assignments
0 Petitions
Accused Products
Abstract
Producing print streams for efficiently generating properly formatted and ordered paper cash letters comprises print stream file that includes electronic form definitions for each cash letter document. The cash letter documents can include a cover page, one or more bundles of substitute checks, a bundle summary for each substitute check bundle, and/or a cash letter bundle summary. Information from an electronic image cash letter file can be input in data fields of the electronic form definitions. Printing the information in the print stream file results in a properly formatted and ordered paper cash letter including substitute checks and audit data. Each substitute check can include all of the MICR data provided on a corresponding, original paper check. The audit data includes the cover page, bundle summary(ies), and/or cash letter bundle summary, which can each detail the documents printed concurrently therewith.
93 Citations
78 Claims
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1. A computer-implemented method for generating a paper cash letter, comprising the steps of:
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creating a plurality of substitute check records by identifying a plurality of checks to be included in a substitute check bundle, and, for each identified check, inputting an electronic image of a front side of the check in a first data field of a substitute check form definition, and inputting an electronic image of a back side of the check in a second data field of the substitute check form definition; creating a bundle summary control record by inputting summary information regarding the substitute check bundle into at least one data field of a bundle summary form definition; storing the substitute check records and the bundle summary control record in a print stream file; storing an exception report page control record in the print stream file, the exception report page control record comprising exception report information related to at least one of an error in the plurality of substitute check control records and an error in the bundle summary control record; and generating an instruction that causes a printer to print at least one document based on the print stream file, the at least one document comprising at least one substitute check, each substitute check being associated with one of the substitute check records and comprising each of the electronic images in the associated substitute check record, wherein each substitute check comprises a legal negotiable instrument according to the Check Clearing for the 21st Century Act. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A system for generating a paper cash letter, comprising:
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a print stream form database operable to; store a substitute check form definition defining at least a first data field and a second data field, store a bundle summary form definition defining at least a third data field, and store an exception report page form definition defining at least a fourth data field; and a check presentment module operable to; create a plurality of substitute check records by identifying a plurality of checks to be included in a substitute check bundle, and, for each identified check, inputting an electronic image of a front side of the check in the first data field, and inputting an electronic image of a back side of the check in the second data field; create a bundle summary control record by inputting summary information regarding the substitute check bundle into at least the third data field, create an exception report page control record by inputting exception report information into at least the fourth data field, store the substitute check records, the bundle summary control record, and the exception report page control record in a print stream file, and generate an instruction that causes a printer to print at least one document based on the print stream file, the at least one document comprising at least one substitute check, each substitute check being associated with one of the substitute check records and comprising each of the electronic images in the associated substitute check record, wherein each substitute check comprises a legal negotiable instrument according to the Check Clearing for the 21st Century Act. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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32. A computer-implemented method for generating a paper cash letter, comprising the steps of:
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creating a plurality of substitute check records by identifying a plurality of substitute checks to be included in a substitute check bundle, and, for each identified check, inputting an electronic image of a front side of the check in a first data field of a substitute check form definition, and inputting an electronic image of a back side of the check in a second data filed of the substitute check form definition; creating a bundle summary control record by inputting bundle summary information regarding the substitute check bundle into at least one data field of a bundle summary form definition; creating a cover page control record by inputting cover page information related to the substitute check bundle into at least one data field of a cover page form definition; storing the plurality of substitute check records, the bundle summary control record, and the cover page control record in the print stream file; storing an exception report page control record in the print stream file, the exception report page control record comprising exception report information related to at least one of an error in the plurality of substitute check control records, an error in the bundle summary control record, and an error in the cover page control record; and generating an instruction that causes a printer to print at least one document based on the print stream file, the at least one document comprising at least one substitute check, a bundle summary page, and a cover page, each substitute check being associated with one of the substitute check records and comprising each of the electronic images in the associated substitute check record, the bundle summary page comprising at least a portion of the bundle summary information, and the cover page comprising at least a portion of the cover page information, wherein each substitute check comprises a legal negotiable instrument according to the Check Clearing for the 21st Century Act. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49)
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50. A system for generating a cash letter print stream, comprising:
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a print stream form database operable to; store a substitute check form definition defining format and content of a substitute check document of a cash letter, store a bundle summary form definition defining format and content of a bundle summary document of the cash letter, store a cover page form definition defining format and content of a cover page document of the cash letter, and store an exception report page form definition defining format and content of an exception report page document of the cash letter; and a check presentment module operable to; create a plurality of substitute check records by identifying a plurality of checks to be included in a substitute check bundle, and, for each identified check, inputting an electronic image of a front side of the check and an electronic image of a back side of the check in the substitute check form definition, create a bundle summary control record by inputting bundle summary information regarding the substitute check bundle into the bundle summary form definition, create a cover page control record by inputting cover page information related to the substitute check bundle into the cover page form definition, create an exception report page control record by inputting exception report information in the exception report page form definition, the exception report information comprising information related to at least one of an error in the cover page control record, an error in the plurality of substitute check control records, and an error in the bundle summary control record, store the plurality of substitute check records, the bundle summary control record, the cover page control record, and the exception report page control record in a print stream file, and generate an instruction that causes a printer to print at least one document based on the print stream file, the at least one document comprising at least one substitute check, a bundle summary page, and a cover page, each substitute check being associated with one of the substitute check records and comprising each of the electronic images in the associated substitute check record, the bundle summary page comprising at least a portion of the bundle summary information, and the cover page comprising at least a portion of the cover page information, wherein each substitute check comprises a legal negotiable instrument according to the Check Clearing for the 21st Century Act. - View Dependent Claims (51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61)
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62. A computer-implemented method for generating a paper cash letter, comprising the steps of:
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creating a plurality of substitute check records by identifying a plurality of checks to be included in a substitute check bundle, and, for each identified check, inputting an electronic image of a front side of the check in a first data field of a substitute check form definition, and inputting an electronic image of a back side of the check in a second data field of the substitute check form definition; creating a bundle summary control record by inputting bundle summary information regarding the substitute check bundle into at least one data field of a bundle summary form definition; creating a cover page control record by inputting cover page information related to the substitute check bundle into at least one data field of a cover page form definition; creating a cash letter bundle summary control record by inputting cash letter bundle summary information related to the substitute check bundle into at least one data field of a cash letter bundle summary form definition; storing the plurality of substitute check records, the bundle summary control record, the cover page control record, and the cash letter bundle summary control record in a print stream file; storing an exception report page control record in the print stream file, the exception report page control record comprising exception report information related to at least one of an error in the cover page control record, an error in the plurality of substitute check control records, an error in the bundle summary control record, and an error in the cash letter bundle summary control record; and generating an instruction that causes a printer to print at least one document based on the print stream file, the at least one document comprising at least one substitute check, a bundle summary page, a cover page, and a cash letter bundle summary page, each substitute check being associated with one of the substitute check records and comprising each of the electronic images in the associated substitute check record, the bundle summary page comprising at least a portion of the bundle summary information, the cover page comprising at least a portion of the cover page information, and the cash letter bundle summary page comprising at least a portion of the cash letter bundle summary information, wherein each substitute check comprises a legal negotiable instrument according to the Check Clearing for the 21st Century Act. - View Dependent Claims (63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78)
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Specification