COMPUTERIZED PERSON-TO-PERSON ASSET ROUTING SYSTEM

摘要

Disclosed is a computerized person-to-person asset routing system. The system typically includes a processor, a memory, and a person-to-person asset routing module that is stored in the memory and executable by the processor. The person-to-person asset routing module is typically configured for receiving an electronic image file containing an image of a negotiable instrument from a payor computing device; processing the image of the negotiable instrument to extract transaction data; identifying a payor account; comparing the extracted transaction information to a payee information repository; based on comparing the extracted transaction information to the payee information repository, identifying payee routing information associated with a payee; and based on identifying the payor account and the payee routing information, transferring assets from the payor account to the payee via the payee routing information.

主权项

1. A computerized person-to-person asset routing system, comprising:
a computer apparatus including a processor, a memory, and a network communication device; and a person-to-person asset routing module stored in the memory, executable by the processor and configured for:
receiving an electronic image file containing an image of a negotiable instrument from a payor computing device;processing the image of the negotiable instrument to extract transaction data, wherein processing the image of the negotiable instrument comprises extracting a transaction amount and payee identification information, wherein the transaction amount and payee identification information extracted from the image of the negotiable instrument comprise alphanumeric text extracted from the image of the negotiable instrument contained in the electronic image file;identifying a payor account;comparing the extracted payee identification information to a payee information repository;based on comparing the extracted identification information to the payee information repository, identifying payee routing information associated with a payee; andbased on identifying the payor account and the payee routing information, transferring an amount equal to the transaction amount from the payor account to the payee via the payee routing information.