| 摘要 |
A method and system for electronically clearing financial instruments through a clearing system in which a per item cost of clearing instruments varies with the time of day. The method may include the steps of receiving electronic files of items containing data scanned from financial instruments including an amount of each instrument, applying a rule to sort the items by determining, for each of the associated financial instruments, whether the item be stored or forwarded for clearing the instrument without storage. The rule may include a step of determining whether an amount of the instrument exceeds a predetermined value, and if the amount of the instrument exceeds the predetermined value, forwarding the instrument for clearing without storage. If the amount of the instrument does not exceed the first predetermined value, the associated rule may cause the system to store the item representing the instrument for forwarding at a later time when the per item fee for clearing is lower. The threshold amount may vary depending upon the per item fee charged at the time the item is received by the system, in a case where the per item fee charged changes over the course of a business day, and different time intervals may have different threshold amounts. The system may include a control system for receiving the associated electronic files from a scanning device and have a processor programmed to apply a rule to sort the files by determining, for each of the instruments, whether the associated electronic file should be stored or forwarded for clearing, a gateway server for receiving the associated electronic files from the scanning devices and transmitting the files to the control system, and an image export server for receiving the associated electronic files from the control system, converting the files to a preferred format, storing the files in storage, retrieving the files from storage for clearing and transmitting the files to the Federal Reserve for clearing.
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