Abstract: A method, system and computer program product for controlling collection of data from heterogeneous data sources is disclosed. Data is extracted in a data source independent manner using at least two types of control messages to hide implementation details for the heterogeneous data sources. The method receives from the heterogeneous data sources, a request for a first control message type, which defines data to be extracted from the heterogeneous data sources. Responsive to receiving the request, the method sends a first control messages type to the heterogeneous data sources. The method receives from the heterogeneous data sources, a second control message type that includes data extracted from the heterogeneous data sources that was defined in the first control message type. The method also stores, in a data store, the received data identified in the first control message type and that was extracted from the heterogeneous data sources.

Abstract: A method, system and computer program product for controlling collection of data from heterogeneous data sources is disclosed. Data is extracted in a data source independent manner using at least two types of control messages to hide implementation details for the heterogeneous data sources. The method receives from the heterogeneous data sources, a request for a first control message type, which defines data to be extracted from the heterogeneous data sources. Responsive to receiving the request, the method sends a first control messages type to the heterogeneous data sources. The method receives from the heterogeneous data sources, a second control message type that includes data extracted from the heterogeneous data sources that was defined in the first control message type. The method also stores, in a data store, the received data identified in the first control message type and that was extracted from the heterogeneous data sources.

Abstract: A computer-implemented method, a server, and a computer use an enhanced customer interaction channel based on a predetermined payment key associated with a specific company and location. The predetermined payment key uniquely identifies the specific company and location and enables the enhanced customer interaction channel based on existing payment processing systems. The specific company may use the enhanced customer interaction channel to reach customers who were previously unknown to the specific company for a variety of purposes such as rewards, coupons, offers, product information, and the like.

Abstract: Remote data collection systems and methods retrieve data including financial, sales, marketing, operational and the like data from a plurality of databases and database types remotely over a network in an automated, platform-agnostic manner. An Extract Transform and Load (ETL) data replication method for Chart of Account (COA) standardization includes receiving a request for remote data collection to extract data from a data source; extracting data in a non-intrusive manner from the data source, wherein the data comprises non-standard COA data; and transforming one of an entire set or a subset of the extracted data based on the request based on a template or a standardized form desired for comparisons.

Abstract: A computer-implemented method, a server, and a computer use an enhanced customer interaction channel based on a predetermined payment key associated with a specific company and location. The predetermined payment key uniquely identifies the specific company and location and enables the enhanced customer interaction channel based on existing payment processing systems. The specific company may use the enhanced customer interaction channel to reach customers who were previously unknown to the specific company for a variety of purposes such as rewards, coupons, offers, product information, and the like.

Abstract: The present disclosure provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. The present invention enables both payors and payees to participate with the EPS as well as the EPS may provide electronic lock box services to payees. The DOC may be used in an electronic lockbox application where in addition to the payment information; the DOC further includes remittance data that may be used to update accounting systems or the like.

Abstract: The present invention provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The EPS is operable to clear the DOC through either paper or electronic Check 21 mechanisms.

Abstract: Remote data collection systems and methods retrieve data including financial, sales, marketing, operational and the like data from a plurality of databases and database types remotely over a network in an automated, platform-agnostic manner. A remote data collection system includes a network interface, a connection to a data source, a processor communicatively coupled to the network interface and the connection, and memory storing instructions for remote data collection that, when executed, cause the processor to: receive a request to extract data from the data source; extract the data in a non-intrusive manner from the data source using a two phase process comprising a reconciliation phase and a collection phase; and transmit one of an entire set and a subset of the extracted data based on the request.

Abstract: Remote data collection systems and methods retrieve data including financial, sales, marketing, operational and the like data from a plurality of databases and database types remotely over a network in an automated, platform-agnostic manner. A remote data collection system includes a network interface, a connection to a data source, a processor communicatively coupled to the network interface and the connection, and memory storing instructions for remote data collection that, when executed, cause the processor to: receive a request to extract data from the data source; extract the data in a non-intrusive manner from the data source using a two phase process comprising a reconciliation phase and a collection phase; and transmit one of an entire set and a subset of the extracted data based on the request.

Abstract: A computer implemented method, a system, and software provides a new processing origination model allowing a new 6th party in payment processing systems and networks, to inspect transactions before they are authorized, enabled or further processed by the payment or settlement network. This new processing delivery system and method may limit or reduce the service operators risk exposure to a defined limit, thereby improving the service providers' ability to manage a known and quantifiable risk level per merchant while limiting the system implementer's total amount of risk and improving both the speed of underwriting and merchant approval process.

Abstract: The present disclosure provides remote data collection systems and methods for retrieving data including financial, sales, marketing, operational and the like data from a plurality of databases and database types remotely over a network in an automated, platform-agnostic manner. The present invention is designed to work across a plurality of LOB applications, database vendors and business models or businesses, as well as business infrastructure (various PCs, embedded devices and POS devices) and business processes while still providing the centralized ability to automatically collect data from multiple remote business sites. The present invention includes one or more central servers communicating with a plurality of remote data collection agents.

Abstract: The present disclosure provides remote data collection systems and methods for retrieving data including financial, sales, marketing, operational and the like data from a plurality of databases and database types remotely over a network in an automated, platform-agnostic manner. The present invention is designed to work across a plurality of LOB applications, database vendors and business models or businesses, as well as business infrastructure (various PCs, embedded devices and POS devices) and business processes while still providing the centralized ability to automatically collect data from multiple remote business sites. The present invention includes one or more central servers communicating with a plurality of remote data collection agents.

Abstract: The present disclosure provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. The present invention enables both payors and payees to participate with the EPS as well as the EPS may provide electronic lock box services to payees. The DOC may be used in an electronic lockbox application where in addition to the payment information; the DOC further includes remittance data that may be used to update accounting systems or the like.

Abstract: The present invention provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. The present invention further provides a true check card operable to provide DOCs at point-of-sale terminals.

Abstract: The disclosure describes a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods.

Abstract: Exemplary embodiments provide a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata may be stored in a database or the like for further processing instead of printing a paper check. An output of the metadata can be used to clear the DOC through either paper or electronic clearing mechanisms under Check 21.

Abstract: The disclosure describes a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods.

Abstract: The present invention provides security mechanisms for digital payments, such as a digitally originated check (DOC). The security mechanisms prevent fraud, tampering, counterfeiting, and the like of a digital payment. In an exemplary embodiment, the present invention utilizes an electronic payment system (EPS) to provide DOCs which can be utilized as Check 21 items, and which include the security mechanisms described herein to provide superior security over existing paper check-based mechanisms.

Abstract: The present invention provides enhanced processing of Check 21 items using an electronic payment system (EPS) to capture metadata instructions. The metadata includes instructions regarding an intended payment to a payee, and can be generated through a truncation process and optical character recognition, directly from a digitally originated check, and the like. The metadata is stored in a database or the like for further processing instead of printing a paper check. In various exemplary embodiments, the present invention provides a capability to print Image Replacement Documents (IRDs) compliant to Check 21 regulations from the metadata. Further, these IRDs can include enhanced features as described herein.

Abstract: The present invention provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The EPS is operable to clear the DOC through either paper or electronic Check 21 mechanisms.