公开(公告)号：US08387862B2

公开(公告)日：2013-03-05

申请号：US11803887

申请日：2007-05-16

Applicant: Randall Lee Mueller ,  Jeannine M. DeLano ,  Steven Q. Purser ,  V. Srinivas Nori ,  Thomas Edwin Schaadt ,  Jeffrey F. Schiele ,  Ronald Ray Mason

Inventor： Randall Lee Mueller ,  Jeannine M. DeLano ,  Steven Q. Purser ,  V. Srinivas Nori ,  Thomas Edwin Schaadt ,  Jeffrey F. Schiele ,  Ronald Ray Mason

IPC: G06Q40/00

CPC classification number: G06Q20/24 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q40/00

Abstract: Validating image cash letter (“ICL”) files using appropriate validation standards for each ICL file and, where appropriate, allowing successfully validated elements of an ICL file containing one or more unsuccessfully validated elements to be processed for payment and/or presentment. A processing entity can receive an ICL file with multiple ICLs that each includes multiple bundles of electronic check items from a customer. The processing entity can validate the ICL file using multiple validation rules selected based on a file type of the ICL file, data content of the ICL file, and/or an identity of a bank associated with the ICL file. The processing entity can transmit a report of the validation results to the customer. The processing entity can select certain successfully validated elements of the ICL file for check presentment and/or payment processing.

Abstract translation: 使用每个ICL文件的适当验证标准验证图像现金字母（ICL）文件，并在适当的情况下允许成功验证的包含一个或多个未成功验证元素的ICL文件的元素被处理以用于付款和/或呈现。 处理实体可以接收具有多个ICL的ICL文件，每个ICL包括来自客户的多个电子检查项目。 处理实体可以使用基于ICL文件的文件类型，ICL文件的数据内容和/或与ICL文件相关联的存储体的标识来选择的多个验证规则来验证ICL文件。 处理实体可以将验证结果的报告传送给客户。 处理实体可以选择ICL文件的某些成功验证的元素用于检查呈现和/或支付处理。