Real time financial instrument image exchange system and method
CA 2473234 C · Owner: Craig, Mark S. · Inventors: Miller, Michael M.; Downs, Charles H. Jr.; Craig, Mark S.
Overview
Its claims, description and drawings are in the Canadian Patents Database.
Open the CIPO recordAbstract From the Canadian patent
A real time financial instrument image exchange system and method deliver a digital image of a financial instrument (for example a bank check) very , quickly through an image exchange network to a payor institution by promptly forwarding the digital image when it is created at a depositing institution. This may expedite pay or return decisions to be made by payor institutions which may enable banks to truncate checks to reduce fraud and its costs, and , to facilitate compliance with banking regulations. Such image capture as well , as related data capture, and real-time transfer enable emulation to an item processing system of the payor institution whereby the payor's item processing …
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Listed from its CIPO record in Patent Yard's archive of Canadian patents past their term. Its claims, description and drawings are in the CIPO record and on Google Patents, and the Claude kit works from them.
Why it's free to use
- Filed January 9, 2003 and granted April 3, 2018. A Canadian patent filed from October 1, 1989 lasts 20 years from filing, so its term ended January 9, 2023.
- A certificate of supplementary protection adds at most two years for a drug, so even that would have ended by January 9, 2025.
- We check Canadian rights only. A patent in its family in another country could still be in force: check its family on Google Patents.
Timeline
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Sources & verification
Official CIPO records
Everything on this page comes from the CIPO record linked above. Contains information licensed under the Open Government Licence – Canada.