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    • 5. 发明公开
    • Financial data processing system using payment coupons
    • Verarbeitungssystemfürfinanzielle Daten mit Zahlscheinen。
    • EP0481135A1
    • 1992-04-22
    • EP90311349.6
    • 1990-10-17
    • REMITTANCE TECHNOLGY CORPORATION
    • Josephson, Stanley M.
    • G07F7/10G06F15/30B42D15/00
    • G06Q40/02B42D15/0053B42D25/29G06Q20/042
    • There are disclosed herein methods and systems for affecting the accounting functions of debiting and crediting a bank's account records, a payor's bank account records and a corporation's accounts receivable or balance forward records with their customer's payments, and are based on the ability of a payment coupon with appropriate payor's authorization and necessary pre-printed machine readable data to create a variety of multi-function transactions. By combining all of the required data elements in a single payment coupon document at either the time of preparation or at the time of receipt of the payment coupon by the corporation, the requirement for subsequent redundant, labor intensive processes are eliminated. The single payment coupon becomes a multi-functional document which generates the transaction to effect the customer's accounts receivable or balance forward, the negotiable instrument to (1) credit the corporation's bank account and (2) debit the customer's bank account while creating a complete audit trail and accountability at each separate processing level.
    • 在此披露了影响银行账户记录,付款人银行账户记录和公司的应收账款或余额转帐记录与其客户付款的会计功能的方法和系统,并且基于支付券的能力 具有适当的付款人授权和必要的预先打印的机器可读数据,以创建各种多功能交易。 通过在准备时或在公司收到支付券时将所有必需的数据元素合并到单个支付券中,则消除了后续冗余劳动密集型流程的要求。 单笔支付券成为一项多功能文件,用于生成客户的应收账款或余额转出的交易,可转让票据(1)向公司的银行账户贷记,(2)在创建完整的审计时借记客户的银行帐户 跟踪和责任在每个单独的处理级别。