Patent ID: 7004382
Filing Date: 2006-02-28
Classification: G06Q

Abstract:
1. A check validation system, comprising: a network of validation cells, each said cell being associated with at least one local qualifier system for assessing risk of loss in accepting a check; and an input/output (I/O) source operatively connected to at least one cell for obtaining transaction data associated with a check at a point of presentment; wherein a given validation cell that is operatively connected to a requesting I/O source receives transaction data therefrom in connection with a given check and forwards a payment validation request to at least one other cell without foreknowledge of validation capabilities or native data format of said at least one other cell, said request for obtaining at least one validation result from at least one remote qualifier system associated with the at least one other cell; and wherein the given cell transmits at least one validation assessment back to the requested I/O source based on the at least one validation result.