| 摘要 |
The disclosure details the implementation of apparatuses, methods, and systems for a deposit process manager (“DP-Manager”) including aspects of a decisioning engine, aspects of a deposit delay component, and of a de-queueing component. The DPManager is supported by the first workflow process engine in the financial industry to provide end-to-end solutions for complex brokerage and retirement deposits and check clearing. The DPManager can automatically route checks to be cleared electronically at numerous banks/clearing entities based on routing number, time of day, bank fees and float expense. The DPManager can capture data electronically without manual intervention with deposit slips. In one embodiment, the new deposit validation process begins with a scanner installed in every branch. Once a check is scanned, the Deposit Process Management system takes over intelligent processing through several sub-systems. These subsystems include systematic edits including account, product and risk management checking numerous databases to completely automate the deposit validation process. One inventive aspect of the DPManager determines deposit delays based on the characteristics of the check deposited, the writer of the check, the deposit profile of the client, and/or other information. In one embodiment, the delay component employs a matrix that combines check data with industry data and client behavior to determine client funds availability. This delay smoothes the deposit process, allows for greater verification, reduction of errors, and minimization of fraudulent transactions. Another embodiment of the DPManager provides a de-queue facility that enhances error detection, correction and fraud detection when processing deposits In another embodiment, the DPManager has a decisioning engine that employs an ABA/Clearing Entities matrix for optimizing selections of clearing entities for deposits.
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