System and method for remote deposit capture
First Claim
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1. A system, comprising:
- one or more remote check deposit locations comprising a processor for scanning checks and creating an electronic record stored in a database based on said scanned checks, where said electronic record includes an amount and check information;
one or more treasury receipt servers to receive check information captured from the one or more remote check deposit locations, and to receive transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information;
wherein the captured check information comprises digitized data element of check number, routing number and account number and is directly received from the one or more remote check deposit locations; and
wherein the captured check information is transmitted to ODFI once a day, at designated time of the day, or in near real-time.
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Abstract
A system includes one or more remote check deposit locations, and one or more treasury receipt servers to receive check information captured from the one or more remote check deposit locations, and to receive transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information.
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Citations
18 Claims
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1. A system, comprising:
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one or more remote check deposit locations comprising a processor for scanning checks and creating an electronic record stored in a database based on said scanned checks, where said electronic record includes an amount and check information; one or more treasury receipt servers to receive check information captured from the one or more remote check deposit locations, and to receive transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information; wherein the captured check information comprises digitized data element of check number, routing number and account number and is directly received from the one or more remote check deposit locations; and wherein the captured check information is transmitted to ODFI once a day, at designated time of the day, or in near real-time. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method, comprising:
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receiving, via one or more treasury receipt servers, check information captured from one or more remote check deposit locations wherein said check information is scanned and locally stored in a database at said captured location, and a business rule is used to select the originating depository financial institution (ODFI) for transmitting the capture check information thereto; and receiving, via the one or more treasury receipt servers, transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18)
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Specification