Apparatus and methods of reviewing deposited checks

Details Apparatus and methods of reviewing deposited checks Apparatus and methods of reviewing deposited checks

2005-12-27

2005-12-27

Le, Thien M. (Department: 2876)

Registers

Systems controlled by data bearing records

Credit or identification card systems

C238S379000

Reexamination Certificate

active

06978927

ABSTRACT:
Deposit transaction data associated with a check deposited at an automated teller machine (ATM) is processed to determine if the deposited check is acceptable. Deposit transaction data relating to the deposited check is received from an ATM switch. A determination is made as to whether the deposited check is acceptable based upon the transaction data. A flag is set and a risk score is assigned when the deposited check is determined to be unacceptable. A second source file is created using set flags and assigned risk scores, and then sent to a data server. The second source tile is merged with associated deposit data retrieved from memory at the data server. The merged file is sent to a deposit review processor and a deposit review workstation. The deposit review processor determines if any deposited item needs to be reviewed by a human operator or outsorted based upon data contained in the merged file.

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patent: 0 984 410 (2000-03-01), None
patent: WO 01/84417 (2001-11-01), None

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