Charles J Garland

US Patent:

53735501, Dec 13, 1994

Filed:

Oct 13, 1992

Appl. No.:

7/959588

Inventors:

Walter G. Campbell - Flemington NJ
Charles J. Garland - Randolph NJ
David A. Hollowell - Morristown NJ
Robert Orleanski - Pittstown NJ
Carol A. Wegrzynowicz - Holmdel NJ

Assignee:

AT&T Corp. - Murray Hill NJ

International Classification:

H04M 1100

US Classification:

379100

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.