Automated system and method for positive check authorization

Details Automated system and method for positive check authorization Automated system and method for positive check authorization

G - Physics

07

F

G07F 19/00 (2006.01) G06Q 20/00 (2006.01) G07F 7/00 (2006.01)

Patent

CA 2250683

An automated positive check authorization system includes an input device (200, 202) for receiving a check amount and checking account information pre- printed on a check drawing on a checking account presented in a transaction at the time of check presentment. The checking account information and check amount are electronically transmitted to a check verifier (204), which receives the check amount and checking account information from the input device (200, 202) and searches a checking account database (206) for a current balance in the checking account. An approval or decline message is issued in response to a comparison between the check amount and the current balance in the checking account. A decline message is also issued if there is a stop payment instruction on the check.

Système automatisé pour l'autorisation directe de chèques, comprenant un dispositif d'entrée (200, 202) destiné à recevoir le montant d'un chèque et des informations concernant un compte-chèques pré-imprimées sur un chèque de prélèvement sur un compte-chèques, présenté lors d'une transaction. Ces informations et ce montant sont électroniquement transmis à un vérificateur de chèques (204) qui reçoit les informations concernant le montant et le compte-chèques du dispositif d'entrée (200, 202) et cherche dans une base de données (206) de comptes-chèques, le solde courant du compte-chèques. Un message d'acceptation ou de refus est émis en réponse à une comparaison entre le montant du chèque et le solde courant sur le compte-chèques. Un message de refus est également émis si une instruction d'opposition au chèque a été émise.

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