The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 27, 2011
Filed:
May. 09, 2008
Alan W. Hecht, Jr., Chanhassen, MN (US);
Laura Lee Orcutt, Chanhassen, MN (US);
Jeffrey Allen Harmon, River Falls, WI (US);
Michelle Marie Young, Pasadena, CA (US);
Stephanie A. Sturgis-griffin, Oakland, CA (US);
Alan W. Hecht, Jr., Chanhassen, MN (US);
Laura Lee Orcutt, Chanhassen, MN (US);
Jeffrey Allen Harmon, River Falls, WI (US);
Michelle Marie Young, Pasadena, CA (US);
Stephanie A. Sturgis-Griffin, Oakland, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
In general, this disclosure describes techniques of dynamically selecting deposit clearing methods based on business rules. As described in this disclosure, a financial institution receives checks drawn on other financial institutions as customer deposits. When the financial institution receives a check, the financial institution automatically applies one or more customizable business rules to identify a method to clear the check. The financial institution then uses the identified method to clear the check.