Method and system for processing financial instrument...

G - Physics – 07 – F

Patent

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G07F 19/00 (2006.01)

Patent

CA 2407522

A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travellers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from capture sites (109) that preprocess financial instruments and generate data from the original instruments, for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) (110, 111) and having the check images (and/or physical checks entered into the bank check clearing channels (122, 123) for ultimate delivery to the maker bank (108) for payment out of the maker's account.

L'invention concerne un système comprenant du matériel informatique, des logiciels, un dispositif et une méthodologie permettant à des privés, des entreprises et à tout type d'organisation (aussi bien à but lucratif que non lucratif), servant à capturer et à transmettre de manière sécurisée des images de chèques, tels que des chèques personnels, des chèques d'entreprise, des chèques de voyage, des mandats, des coupons de commerçant, des chèques restaurant, des chèques de ligne de crédit, etc..., des informations de dépôt et d'autres provenant de sites de capture (109) qui traitent préalablement les instruments financiers et génèrent des données à partir des instruments originaux, et ce afin que ces chèques soient crédités sur les comptes bancaires (110, 111) du client ou de l'organisation déposants, et d'avoir les images des chèques et/ou les chèques physiques introduits dans les canaux (122, 123) de compensation de chèques de la banque en vue de la livraison finale à la banque émettrice (108) pour le paiement à partir du compte du tireur.

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