Federal Reserve Bank of Atlanta Patent applications |
Patent application number | Title | Published |
20120209774 | Redirecting or Returning International Credit Transfers - Redirecting or returning international credit transfers is described. In one embodiment a system for redirecting or returning international credits is described including a gateway operator that receives a credit transfer from a foreign originator, compares routing and account numbers of the credit transfer with a predetermined table of routing and account numbers, and forwards the credit transfer based on the comparison of the routing and account numbers with the predetermined table, an Automated Clearing House (ACH) that presents the credit transfer to a Receiving Depository Financial Institution (RDFI) for clearing and settlement, and a wire transfer service that presents the credit transfer to the RDFI for clearing and settlement. In another embodiment a method for redirecting or returning international credits is described. | 08-16-2012 |
20100176192 | Cash Letter Print Streams - Producing print streams for efficiently generating properly formatted and ordered paper cash letters comprises print stream file that includes electronic form definitions for each cash letter document. The cash letter documents can include a cover page, one or more bundles of substitute checks, a bundle summary for each substitute check bundle, and/or a cash letter bundle summary. Information from an electronic image cash letter file can be input in data fields of the electronic form definitions. Printing the information in the print stream file results in a properly formatted and ordered paper cash letter including substitute checks and audit data. Each substitute check can include all of the MICR data provided on a corresponding, original paper check. The audit data includes the cover page, bundle summary(ies), and/or cash letter bundle summary, which can each detail the documents printed concurrently therewith. | 07-15-2010 |
20090196485 | Tag validation for efficiently assessing electronic check image quality - Efficiently assessing the quality of an electronic check image by determining whether the check image is suitable for image quality analysis prior to performing the image quality analysis. A check processing module of a check processor can determine whether the check image is suitable for image quality analysis by validating certain tags in the image. For example, such validation can include determining whether the check image includes certain mandatory tags and whether any optional tags present in the image are valid. The check processing module can determine that the check image is not suitable for image quality analysis if it does not include the mandatory tags or if it includes any invalid optional tags. The check processing module can assign a failure value to any check image that is not suitable for image quality analysis. The failure value can indicate a reason for the unsuitability of the check image. | 08-06-2009 |
20090157550 | System and method for managing foreign payments using separate messaging and settlement mechanisms - Managing foreign payments using separate conduits for messaging and payments. An originating depository financial institution can create an F3X message designating a fixed amount of foreign currency to be credited to, or debited from, a receiving depository financial institution. The originating depository financial institution transmits the F3X message to a domestic gateway operator via an ACH network. The domestic gateway operator then forwards the F3X message to a foreign gateway operator. Separately, the originating depository financial institution transmits a payment to the foreign gateway operator either directly or via a correspondent financial institution. The foreign gateway operator matches the payment to the F3X message and transmits the payment to the receiving depository financial institution. | 06-18-2009 |