| ARGO DATA RESOURCE CORPORATION Patent applications |
| Patent application number | Title | Published |
|---|
| 20110320358 | System and Method for Real-Time and Online Straight-Through Processing and Presentment of Checks - Methods and systems, including computer programs encoded on a non-transitory medium, are disclosed for real-time and/or online straight-through processing, including the forward presentment and return processes of checks and other electronic payment instruments. In one aspect, an image file and transit item associated with a payment item received at a first financial institution are generated during a customer transaction. The image file and item are transmitted to a second financial institution associated with the payment item during the customer transaction performed at the incoming system. The image file and item are then processed and posted at the second financial institution in real-time, with a posting results notification being returned to the first system. During the customer transaction, the first financial institution performs a posting operation based on the posting results notification, thereby allowing the customer and financial institutions to complete the processing of the associated accounts during the customer transaction. | 12-29-2011 |
| 20110320357 | SYSTEM AND METHOD FOR REAL-TIME STRAIGHT THROUGH PROCESSING AND REAL-TIME PRESENTMENT OF CHECKS - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, are disclosed for real-time, straight-through processing and real-time presentment of checks and other electronic payment instruments. In one aspect, an image file associated with a payment item received at a first financial institution is generated. The generated image file is transmitted to a second financial institution associated with the payment item immediately after generation of the image file, while the received payment item and generated image file are processing prior to posting a transaction to a customer account at the first financial institution. After completing the processing, a transit item associated with the processed payment item is generated and transmitted to the second financial institution for association with the previously-transmitted image file. | 12-29-2011 |
