公开(公告)号：EP2318991A1

公开(公告)日：2011-05-11

申请号：EP09798371.2

申请日：2009-05-07

申请人： Brink's Network, Inc.

发明人： PURCHES, Frederick ,  BLACHOWICZ, Paul ,  POTEET, James ,  MORGAN, William C.

IPC分类号： G06Q30/00

CPC分类号： G06Q20/042 ,  G06Q20/04 ,  G07F17/105

摘要： Process of and system for providing credit to a retailer (10) by collecting checks from customers during financial transactions between the customers and the retailer, depositing by the retailer the collected checks into a safe (14) located at the retailer facility (10a, 10b, 10c), calculating the total monetary value of the checks that are deposited into the safe, and electronically transmitting a data file that identifies the calculated total monetary value of the deposited checks. Using the information in the transmitted data file, the retailer is credited by a bank (6OA, 6OB, 60C), or other financial institute with the total monetary value of the deposited checks. Crediting may be provided on a business day basis, and other features include imaging of the deposited checks, facilitating check processing using the image files of the checks, displaying the imaged checks on a display at the retailer during the financial transaction, depositing the checks into the same safe into which cash collected by the retailer is deposited, providing the checks within the safe in sealed cassettes, and printing an image of a collected check on a receipt that is provided to the customer. Other features also are described. The process and system advantageously make funds readily available and improves cash flow to retailers who take-in checks as part of their normal business operations.

摘要翻译： 用于通过在顾客与零售商之间的金融交易期间收集来自顾客的支票，由零售商将收集的支票存入位于零售商设施（10a，10b）处的保险箱（14）中的零售商（10） ，10c），计算存入保险箱的支票的总货币价值，并以电子方式发送一个数据文件，该数据文件标识计算的存入支票的总货币价值。 使用所传送的数据文件中的信息，零售商由存款支票的总货币价值由银行（60A，60B，60C）或其他金融机构贷记。 可以在工作日提供贷项，其他功能包括存入支票的成像，便利使用支票的图像文件的支票处理，在金融交易期间在零售商的显示器上显示成像的支票，将支票存入 将零售商收集的现金存入其中的同一保险箱，在密封盒中在保险箱内提供支票，并在提供给顾客的收据上打印收集的支票的图像。 其他功能也被描述。 该流程和系统有利地使资金容易获得，并且改善了作为正常业务操作的一部分的作为接受检查的零售商的现金流。