Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2005-11-07
2009-10-20
Poinvil, Frantzy (Department: 3696)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S030000
Reexamination Certificate
active
07606762
ABSTRACT:
A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance. The host system can make use of a data buffer system for coordinating the storage of the digital representations in the host system as well as coordinating the respective settlement process, a distributed decisioning environment for assisting the host system in decisioning of the digital representations, and a hierarchy for coordinating the configuration of the host and client systems as well as coordinating the settlement process for the digital representations.
REFERENCES:
patent: 5053607 (1991-10-01), Carlson et al.
patent: 6032137 (2000-02-01), Ballard
patent: 6609200 (2003-08-01), Anderson et al.
patent: 7000828 (2006-02-01), Jones
patent: 7131571 (2006-11-01), Swift et al.
patent: 7216106 (2007-05-01), Buchanan et al.
patent: 7386511 (2008-06-01), Buchanan et al.
Steve Bills, “CheckClear Uses Outside to Expand Endpoing”, American Banker, New York, NY, Jul. 6, 2004, vol. 169, Iss. 128, p. 16.
Richard Winston, “Wanted: An Industrywide Check Image Network”, American Banker, New York, NY, Mar. 22, 2005, vol. 170, Issuer 55, p. 11A.
Gowling Lafleur Henderson LLP
Poinvil Frantzy
RDM Corporation
Tisdall Grant
LandOfFree
System and method for providing a distributed decisioning... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with System and method for providing a distributed decisioning..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System and method for providing a distributed decisioning... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4066476