Dick vallance bank patent
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More particularly, a method is provided for facilitating bank deposits for a Inventor: Richard Vallance; Original Assignee: Richard Vallance; Priority date.
Info: Patent citations (4); Cited by (63); Legal events; Similar documents; Priority Banks capture a picture of the front and back of the check along with the . Subsequently, in step , the check images and data can be stored on disk USREE1 * Richard Vallance Bank deposit method.
An infrastructure for a real time bank-centric universal payment system (2) in Info: Patent citations (12); Non-patent citations (1); Cited by (); Legal USREE1 Richard Vallance Bank deposit method.
Description:From the standpoint of the bank, the bank cannot post the deposit amount to its reserves until the verification process is complete. In this manner, the system and methods of the present invention enable merchants to perform local on-site processing of batch checks, or imported batch check images, which are routed by the present system, for transmission to a Federal Reserve Bank for immediate processing. If a receiving bank or its customer requires a paper check, the bank can use the electronic picture and payment information to create a paper substitute check. The standalone remote computer , or at least one computer in the network environment , is equipped with, or is communicatively linked to, a respective scanner , The method of claim 4 wherein capturing said information in a point-of-sale terminal comprises reading said information from a circuit embedded on a card. The network version allows for a sophisticated workflow design, where each PC on the network can be configured in such a way so as to perform all tasks associated with the Client software, or a subset of those tasks.