17-05-2012 дата публикации
Номер: US20120123938A1
Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a financial transaction type with a hold type in the policy database. Various embodiments can receive transaction data including an image of a check, applying the plurality of risk factors to the transaction data, and applying the plurality of hold override policies to the deposit data. Finally, other embodiments include a web-enabled user interface through with users can review and approve/disapprove the handling of exceptions to the risk factors, severities, and hold override policies on a real-time or near-real time basis. 1. A computer-implemented method of performing a financial transaction on a network comprising:storing a plurality of risk factors and a plurality of severities in a web-enabled remote policy database, wherein the severities are selectable by a user, and wherein the user associates one of the plurality of severities in the remote policy database with a particular risk factor over the network, wherein the risk factors are conditions for controlling the processing of financial transactions, and wherein a particular severity associated with the particular risk factor defines actions taken when the particular risk factor is detected, and wherein different risk factors are associated with different severities, and wherein the policy database further comprises hold policies that associate a financial transaction type with a hold type; andapplying the risk factors to a financial transaction data.2. The method of further comprising receiving the financial transaction data in a server via the network claim 1 , and performing claim 1 , in the server claim 1 , a first action ...
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