Transmission of check images by way of a public switched telephone network

US5373550A · kind A · utility

Assignee

• AT&T CORP. · US

Inventors

• Walter G. Campbell · Flemington, US
• Charles J. Garland · Dover, US
• David A. Hollowell · Morristown, US
• Robert Orleanski · Pittstown, US
• Carol A. Wegrzynowicz · Holmdel, US

Key dates

• Filing date: Oct 13, 1992
• Grant date: Dec 13, 1994
• Expiry date: Oct 13, 2012

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L69/329
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Checks used to effectuate commercial and private transactions may be cleared through the banking system by transporting images of those checks between sending institutions and receiving institutions in forward and reverse flow paths between banks of first deposit and payor banks. The check images are transported through a public switched telephone network which contains a special check imaging node which provides a network based check clearing service for customers of telephone network. The check imaging node receives images of checks from institutions which subscribe to this service and routes those images through the telephone network to intended subscriber and non-subscriber recipients. Transmission of check images through a public switched telephone network may completely replace existing check clearance procedures or may be used in conjunction with existing procedures.