Abstract: A negotiable instrument payee authentication and identification method in which payee identification information is printed onto the negotiable instrument and maintained in a computerized database. When the payee presents the negotiable instrument for cashing, the identification information contained within the database is recalled and compared to the identification information contained on the printed negotiable instrument to ensure conformity.

Abstract: An Improved Electronic Check Presentment System Having a Return Item Notification System Incorporated Therein provides banks with a fully automated capability to receive early notification of checks that it previously presented to a payor bank and that have subsequently been identified by the payor bank as return checks or unpaid items. Moreover, the Improved Electronic Check Presentment System allows those banks utilizing it to transmit return notifications to downstream correspondent banks and customers.

Abstract: An Improved Electronic Check Presentment System Having a Return Item Notification System Incorporated Therein provides banks with a fully automated capability to receive early notification of checks that it previously presented to a payor bank and that have subsequently been identified by the payor bank as return checks or unpaid items. Moreover, the Improved Electronic Check Presentment System allows those banks utilizing it to transmit return notifications to downstream correspondent banks and customers.

Abstract: An Electronic Check Presentment System provides a bank with a fully automated capability for participating in the electronic exchange of check data. It allows banks that utilize the system to take MICR data that has been obtained through check capture methods, selectively extract particular check records and place them in the form of electronic cash letters, transfer the electronic cash letters to selected banks, receive electronic cash letters from other banks, reconcile the electronic cash letters against the paper cash letters when they arrive, and input the electronic MICR data into a database responsible for maintaining check records.

Abstract: Apparatus for measuring peel force exerted on optical fiber being pulled m a bobbin upon which it is wound, the pull being in the direction of the longitudinal axis of the truncated-conically-shaped bobbin. One end of an elongaged lever arm holds the bobbin cantilevered from the bobbin end opposite that from which the optical fiber is pulled so that the bobbin is positioned generally horizontally over a horizontal base to which the opposite end of the lever arm is pivotally attached. An intermediate point on the arm beneath the bobbin is in contact with a load measuring device so that as the fiber is pulled any reaction by the arm upon the device provides a measure of the peel force upon the fiber.