MX2010013989A - Process of and system for facilitating check processing at point of sale and accelerated credit for check transactions. - Google Patents

Abstract

Process of and system for providing credit to a retailer (10) by collecting checks from customers during financial transactions between the customers and the retailer, depositing by the retailer the collected checks into a safe (14) located at the retailer facility (10a, 10b, 10c), calculating the total monetary value of the checks that are deposited into the safe, and electronically transmitting a data file that identifies the calculated total monetary value of the deposited checks. Using the information in the transmitted data file, the retailer is credited by a bank (6OA, 6OB, 60C), or other financial institute with the total monetary value of the deposited checks. Crediting may be provided on a business day basis, and other features include imaging of the deposited checks, facilitating check processing using the image files of the checks, displaying the imaged checks on a display at the retailer during the financial transaction, depositing the checks into the same safe into which cash collected by the retailer is deposited, providing the checks within the safe in sealed cassettes, and printing an image of a collected check on a receipt that is provided to the customer. Other features also are described. The process and system advantageously make funds readily available and improves cash flow to retailers who take-in checks as part of their normal business operations.

Description

PROCEDURE AND SYSTEM TO FACILITATE THE ROOM OF CHE WHICH IS AT THE POINT OF VE EDIT ACCELERATED FOR TRANSACTIONS WITH CH FIELD OF THE INVENTION The present invention relates to a procedure for facilitating check processing at the accelerated point for check transactions and, more particularly, to advancing credit to commercial establishments involving checks during airline operations in establishments. commercial .

BEFORE DEPOSITORS OF THE INVENTION With the accelerated mentality of today, people expect instructions and tasks that will be carried out in a wide range of activities. For example, the transaction through the Internet and in retail stores is made by customers who buy goods or retail items. In this type of transaction, the speed at which transactions themselves take place briefly (for example, in a few minutes), the veil, the cash or the funds represented by the checks can be used by the business that accepts the transaction. cash or check is s. The cash needs to be taken and processed by a cashier or deposited in a bank, and the checks made. These procedures often last for several years. Therefore, although modern developments have benefited from allowing a multitude of tasks to be carried out quickly, companies are still currently unable to cash and check their receipts until the hack has experienced, in general, several days of processing.

OBJECTIVES AND BRIEF DESCRIPTION OF THE INVEN is and effective regardless of check procedures and cash accrual or collection, cash value and other procedures imposed by S.

To obtain the above objectives and others, the provision involves a procedure of providing credit to a transaction comprising collecting customer checks, financial actions between the customer and the seller at a later date, depositing the collected checks at a location in the installation of the retail seller, total calculation of the checks deposited in the box to electronically mitigate a data file that identifies the total calculated from the checks in order to allow the user to be credited by a financial institution total of deposited checks.

As an aspect of the present invention, checks are taken to produce image data when they are deposited and must be digitized again.

As a further aspect of the present invention, a financial receipt is provided to the customer with a receipt and a printed version of the check that the retail customer proposes.

As an additional aspect of the beneficiary's present in uity and the monetary value of the check, it is onyllically when the check is digitized. The routing number / account number of the check can also be cached including data captured information.

As another additional aspect of the present invention, it is transferred to the inside of the strong box in a cassette, which can also include the number of checks in or, the monetary value of each check and the time and date of the strong day. of each check.

As an additional aspect of the present invention, collected from customers during retail transactions and placed in the retail place.

As an additional aspect of the present invention, it also includes transferring the checks to a check facility, verifying by the process installation that the total monetary value of the checks produces an icada and adjusting the credit previously provided to the vdeo on the basis of in differences, if any, between the total amount veri monetary calculated from the checks deposited in the were identified in the electronically transmitted data file In accordance with another modality of the present credit supply application to a seller to collect customer checks on business days, place the checks collected in a safe in the nude place., calculate, at the end of each business day, a dollar value that is deposited in the safe on each business day, and only at the end of each business day, a file of the total estimated monetary value of the checks deposited. per business day. The retail clerk will also laugh with a report that identifies the quantities sold to the retail seller on a business day basis.

According to a further modality of the tion, a procedure to provide credit to a video that has multiple locations is to collect the retail hub in its multiple locations, deposit the items in each location in a strong box placed in a box. To calculate the total monetary value of the checks of the location, to transmit electronically a data file that identifies the total monetary value calculated from each location, to receive by an installation the data files transmitted electronically and distribution for the retail seller that is provided with the total credit that corresponds to the sum of the total amount of the checks deposited in the boxes of the locations as identified in the records; The invention is constituted as an electronic system and a strong box deposited in the place of sales when the strong box has been stored in the warehouse. This is a check of clients during a period of time. The box to calculate the total monetary value of the checks electronically deposit a data file that identifies the total calculated of the checks deposited for the purpose of retailing that is credited with the value of the items.

The various features and aspects summarized as the method modalities can also be applied to the system of the present invention. In addition, the model may include multiple retail locations previously listed. In addition, the strong box can be imaged (attached or inside the strong box) to electronically g from each check deposited in the box (eg a monitor) (attached or inside the box affixed to the box). the invention.

BRIEF DESCRIPTION OF THE FIGURES The following detailed description, which was provided and which is not intended to limit the present menté, will be better appreciated together with ls where similar reference numbers indicate element ares, in which: Fig. 1 is a block diagram showing the ples that may be involved in a process of reorganizing the present invention; Fig. 2 is a schematic flow diagram giving us general the procedure for granting in advance retail edors according to the present invention; Figure 3 shows the strong CompuSafe 4000M box can be used with the present invention; Y Figure 4 is a useful diagram for describing employees who usually accept checks during the course.

The present invention involves the generation of both personal and commercial checks from the sales clie (eg, retail establishment, orgamiento in advance of bank credit to the retail establishment for the amount of financial check transactions. the present, the retail sales point means the location when a check is provided (eg, a personal check, such as a customer, usually as an exchange of services.) The retail establishment may sell. , leases or otherwise provides for armored goods, a clothing store, a gas station, etc. or an eeo provides in some other way such transportation services (eg an airline, a co-use, etc.), a spa / gym, a care provider for high transaction costs, delayed processing, e (for example, a check "without funds") or for other m, for multiple reasons They, many retail sellers with check. Other retail sellers do not favor the use or impose limitations on the use of checks such as, only "local" checks. As described in the invention, it provides a procedure / system that raises various drawbacks of the handling of checks in deo, by which it allows the retailers to retail a rada, a better handling of the money and other benefits when it is for payment of goods or services.

The term "check" (which is written as "check" e s) as used herein refers to what is habituated as a check. More formally, a negotiable check authorizing a financial institution not to transfer to an entity specifies a certain amount from an account managed by that financial institution. Referring now to the figures, figure 1 of the financial statement. blocks that show multiple entities that may be involved in financial collection procedures with this invention. The entities shown include a 10 port, a cash-handling vehicle service provider 30, a bank 40, a cash-out facility and the customer banks 60A, 60B and 60C. Additional entities have been asked to help with one or more in respective unions. In addition, a procedure that involves the invention may involve fewer entities than in Figure 1. Initially, various retail operations are described. 10. Then, the different functions shown in Figure 1 are described.

Before describing the investor's procedure / system, note that typical check processing involves a delay from the time it is received by the retail seller until the time when the funds are transferred to the nudeo bank account. Even for businesses that receive a lump sum of checks during each business day, the cumulative effect over a 12-month period of not being able to use ondos results in a measurable and significant impact ios.

As described herein, the present provides a novel procedure / system for processing retail sales businesses (ie, at the point of granting credit in advance to sellers at the retail level corresponding to the funds represented by the When the credit is granted in advance, those who see it may be able to enjoy the benefit of the val is accepted almost immediately, thus allowing the nudes to receive interest immediately on said loans. funds or otherwise, immediately, such funds in a manner appropriate to the pharmacy, in exchange for a certain amount of money that are purchased by the customer, and then, during the event, the employee deposits the check in a generic device. which generates an image (or "digitalizes") the part of e to generate an image file (also called "in check") that represents the front of the tra check in step 1 10 The image file can be stored as an image generator or elsewhere. The image decorator is represented by the image a 1 generator. The check, when digitized, is preferably placed "in a secure storage compartment, in step 1 20 in Figure 2.

In particular versions of the present invention, the deposit and deposited in an electronic cash register, ee electronics, in a strong electronic electronic collection box (hereinafter referred to as a "strong collective") that includes both an imaging device it is placed inside the strong box, in any case it can be digitized and deposited in the box with strong action with the client or after the tr The strong box also preferably has the denomination of the bill (ie cash) which is the ability to accumulate the deposit totals for a predetermined period of time, such as a preferred strong working day, the cash is inserted into recipients of bi ifican the money deposited and the checks are inserted in ado ("check receiver") which, in turn, generates an inserted IE and then stores it. It also has the ability to capture various information from the check that includes, by name, check number, date, amount paid and entailed.

As an example, a strong box suitable for arming with the procedure described in this one of the above-mentioned, the ticket receivers within the money and transfer the accepted money to the cassette inside the safe and A processor produces rít that identify the contents of sealed cassettes. The deposit specifically identifies the storage content, the total cash deposit and other information.

When coupled with a suitable device in and properly programmed, the CompuSafe safe, as an example, accepts a check, digitizes one side of the S side of the check in another version) to produce an an, stores the image file inside of the memory the digitalized check is transferred to a sealed cassette placed in a strong position. The processor inside the safe, in an ular, is suitably programmed to include information about the reports that also identifies the value of the checks stored inside the safe (called "total deposits in checks"). The deposit reports to carry out the various procedures of ltion, you can use other electronic devices q functions. For example, the CompuSafeM R 3 000 series from Brin places a digital image generating device also ar. Other electronic devices can be used than in companies. It is noted that the name of Brink and uS afeM R are registered trademarks of Brink's Net of the present application.

Returning to the flow chart shown in the financial analysis that is being carried out, it is completed in stage 1 30. During the completion, activities may be included, including the presentation of the image of the presentation and verification device by the party. The digitalized reader is clear and easily readable. The layout can be incorporated into the strong box, inside an adjoining device or it can be a separate device. At the end of the preferred transaction in collecting additional checks and checks collected and deposited in the seller's strong box at the time described above. In the event that the customer provides a payment for goods or services, the retail seller d collected in a cash receiving device must be the same strong box in which the checks described above are deposited (transactions involving efe tran in Figure 2). Preferably, the cash deposit keeps cash deposit as the deposit totals you the course of the business day.

In each of the variations of the present invention described in the foregoing, they have been described in the context of a retail that uses a single device such as an electronic box that generates images of each check, along with the generated image and store (deposit) the check or a storage area. The cash would also be in the same device in a separate device, usually) at the close of the business day of the retail sale, and the deposit of each of the selling safes is shown in step 140 in the figure. 2. In the previous example, if the pharmacy has a single location with s, the total deposit amounts of the two boxes ne to identify both the total monetary value of the ch n collected and the total amount of cash that has been collected. retail store during the course of the business day. For multiple locations, the amounts of all the safes are obtained within the totality of the retail outlets. In one variation, the total cantores of the safes are obtained within the number of selections of retail sales. For example, a seller selling to different parts of a country (for example, such as on the West Coast of the United States), may wish to use the procedure separately for their stores in those areas. in advance credit to retail sellers to retail sellers of any size who through checks (and / or cash).

As mentioned in the above, the totals of the lculan at a certain time of each day. The time of day is the seller's standard time at the retail close of the day of a business day of the respective store. The hour can be up every day. For example, an employee of the store to manually instruct the strong box to "close" it, you can select another time that does not coincide with the retail day. In a further variation, the day totals on alternate days, every third day on or on other days. In another additional version, the deposit totals were calculated within the day, that is, the deposit totals were calculated on a given day, so the procedure described in the e carried out multiple times on that day. In any, deposit totals are calculated (or calculated / maintained) FIG. 1) generates a data file containing deposits in place and electronically transmits the stored file and image files of stored checks to a procedure such as the procedure facilitator in FIG. 1. The creation of data files and checks and check image files are represented in figure 2. Similarly, each strong box in each retail store locations (eg 1 0b, 1 data goat). It contains the respective deposit totals and transmits the data file and the checks archives stored in that respective location to the procedure.

In a variation of what is represented by the stage described in the above, the strong box of the strong menu vendor for multiple locations) transmit data and the amounts of stored checks, either once at the end of day during the day, to another system within or control etc). The data and / or check image files may be ples times and periodically within, for example, each strong retail box, directly or indirectly within or controlled by the retailer at retail or by controlled by the procedure facilitator 50.

The safe (or strong boxes for locations or the retail seller 1 0 transmit the monetary value deposited, the value of each check, the files of e as well as the total amount of cash that has been collected prior mission of the After that, the system, which sends the transmissions, calculates, based on the total missions, the amount of the totals deposited for that or the retail store 1 0. In another variation, additional computer systems controlled by the vendor to the alternative way controlled by the facilitator 50 of proccess in a remote way to the strong boxes of the video, extracting the deposit totals, the data of appropriate value and privacy. the electronic cough as well as the physical elements / programs that said transmission and encryption are well known, the additional description of them is heard except for the compression of the present inv ention.

The computer system within the facilitated recovery recovers and accumulates the ivo deposit totals and the check image files for all the retail locations 10 (for example 10a, 10b, 10c, etc.) in the form contained in the archives. transmitted from each process processor 50 processes each transmitted file at pre-established times. Upon receipt of the retail vendor's locations, the facility calculates the check and cash deposits to the locations. The obtaining of the data and the archives of the calculation (accumulation) of the total deposits of the asset for the retail seller 10 that financial day / period, collectively denominated in the present or ") processes the transmitted credit data ( For example, identity and other security management as well as the bank account of the retailer at retail 1 0 total identified amount of checks and cash, as shown in Figure 1. In one variation, the described files mitigate from the retail vendor 10 to the bank 40 with the functions described in the present facilitation and then credit the vendor with retail 1 0 in total amount of checks and cash determined. In general, the procedure facilitator 50 preferably contractually entered to facilitate the credit described in the retail market 10 for the amount of the retail deposits 1 0.

In addition to facilitating the advance awarding to retail sellers for their checks as well as cash commissions, in a particularly preferred mode of accounts maintained by customers (for example, customers' accounts 60A, 60B, 60C, In the process calculator, you can carry out any accepted electronic transformation in the industry that includes, only, the conversion of the support office (BAC) accepted amounts are converted into ACH debits. It provides a description of the same except for the compression of the present invention.After the scanned checks, the actual checks collected at retail may be destroyed by the seller for 7 working days after receipt. ) or supply to another entity for storage or descriptions. Similarly, the check image files to the retailer 1 0 may be deleted after a pre-established post-collection or processing period of 0 business days after receipt). In variance (? Other device) in each location calculate the totals of which and cash at the respective location at the end of the day automatically generates and transmits to the respective data procedure facilitator 50 with the total location identification deposit information. retail seller approve check image files). The "end of the day" can be done at the same time of the day or can be at different times of the day. For sellers at a relatively large number of localized stores, for example a country or a region, the different locations are likely to be "end of the day" times. For example, certain retail locations may have operating times n have the same operating times but operate on or different or a combination of both.

The method of the invention described in the pre-order credit for checks as well as collectively bene fi cially is suitable for sellers at all locations and transmits this total to the vdeo bank which in turn credits to the bank's account. v deo with this total.

Figure 4 is a diagram that is used for the purpose of the present invention involving a vendor to multiple locations and where different location ends day. For example, with reference to the retail fig er, ej emplar has a number of locations that have a day ending at 6: 00 p.m. (each of which is hereby referred to as an "X location"). The visualization also has several other locations for you at the end of the day at 9:00 p.m. (each of these is referred to herein as a "Y location"). In addition, the retail order also has a number of "Z" locations that have an end of the day at 12:00 a.m. (deci) (each location identified herein as being located with the present invention, in one day). skillful given, location co-location Y determines at 9:00 p.m. (ie, the "end of location Y) the total amount of checks and cash to be placed between 9:00 p.m. on the previous business day, 4 e pm of that day and the total amount is transmitted to the facility A strong box at each Z location determines to the "end of day" of each location Z) the 6th total amount of checks and cash that They were collected at that 1 2:00 am on the previous business day of January 5 and 12 a.m., or January 6, and the total amount determined was procedural .The procedure facilitator reported and distributed them to a bank for retail banking with the amount added.

As illustrated in the previous example, the seller can provide one credit each day in checks and cash transactions that occur during or differently within the different locations of the retail outlets. Each end of the day may represent the mom ected at 8:00 p.m. at the location Y of January 5, the retail vendor at the end of that business day (it is january). However, checks and cash collected at location X on January 5 will not be credited at the end of the next business day, that is, on the 6th of this, then the "end of the day" of particular locations. But, in any case, it is considered that the procedure described here to provide advance check and cash collections is sufficient to sell to retail locations that have different h, that work in time zones. Tell them that they have different cash flow needs or that they want to have different end-of-day hours. In these cases, the present invention allows them to be sold from or receive credit on a basis that matches most with the collections of checks and cash and that there is no determination where physical checks and cash are predefined by which they must receive the clerk's retail file. Then, in that procedure mome 51, calculates the total deposit deposits for those locations that have transmitted the files, and said total deposit information to the subsequent bank to the retailer at 10% for the ada. In this case, the granting of credit in advance even if the totality of the locations of the video are unable, for any reason, to transmit the procedure 50. As an example, the difficulty of location may prevent or delay some other suitable location in that location. Regardless of the invention, provision is made in advance of the totality, or at least for part of the retail seller's deposits. If only one retail seller's page is credited, the deposits not reported at a later time, for example at the end of the following period, the procedure described in this document may be repeated several times a day, for example, for each period of time. The procedure can be carried out less than for example on alternate days. For example, smaller vendors (for example, with only a few locations) can accumulate a fair amount of checks (or small value checks) and / or a little bit, therefore carrying out the procedure every two years or so. be enough for such small retail sellers.

In another additional variation, a multiple-seller can, in a sense, be treated as they see multiple. For example, credit may be provided for retail vendor locations in a part of the deposit country and then, separately, it was provided that the other retail store locations are for deposit. Said subdivision may be based on áficos or on other bases.

It is and actual cash, still remain in the location of the video even after the retail seller has been these entries. The copending application serial number \ ntd on August 23, 2008 entitled Process of and itating Cash Collections Deposits and Deposit Tracking, pro cedure of the present application and incorporated in the pres ence, is related to the provision of new deposit deposits. (ie, handling physical cash in deposit deposits and these procedures or portions can be used in conjunction with the procedures described in this document to provide advance check and cash transactions. copending application serial number 1 2/1 78, 1 09 ea, in general, a vehicle service provider 20 1) collects from the retail seller 1 0 the deposits in cash the checks collected in the set periods (eg Every day, twice a day, cash deposits are made and the returned checks can be made separately at the same processing facility or even at installation. different processing ones. For example, cash can be collected by a service that, in turn, transports the collected cash to a cash operation and, separately, the checks that are collected by a messaging service and supplied to the institution. financial or non-financial). As described, any reference to the collection or supply of collected proceeds and checks will include any of the vari ections / supplies identi fi ed in the foregoing.

According to the present invention, the credit memorandum herein does not need to coincide with a business day mentioned in the foregoing, a retail seller will be issued checks and cash in advance of, some days or more before If checks are processed, when checks are made available to retail may be collected on alternate days, or may be based on a volume and effective basis on another basis, if the seller to be credited in accordance with the present invention checks and cash on a daily basis. In retailing you get the daily credit benefit without i > s of daily collection. Thus, the present invention separates the collection procedure from a vendor at the same time and frequency at which the retailer is accredited. More specifically, a seller often enjoys the benefit of his collections on a basis of the moment when he is actually taking actions from the time the checks are processed in which the funds represented by the checks are available for use. by the retailer at the time of the cash (for example, by a third-party processing facility) or when the cash is deposited and transports the collections, preferably stored in a secure warehouse to a processing facility ( In addition, a vendor to manually schedule the pickup by the supply of armored vehicles, regardless of whether they are collected in advance or are programs manually, see You are provided with advance granting of collections of checks and cash shortly after the voucher receives the checks and cash. ivo.

The cash processing facility 30, s to the deposit (ie cash and / or checks collected from the deposit bags.) Such verification can be done at any time after receipt, but not on the same day the deposit bags are received. Taxification can be carried out on the next business day (or at a later date.) In any case, the verification of the value of the checks contained in one or more of the sites in comparison with the deposit amounts paid by the seller to the retail 1 0 and accredited retail preview 1 0 according to the present / missing information is communicated to bank 40 to correct the price previously provided to retailer 1 0.

Finally, the cash is transferred to the cash processing bank 30 (or bank 40 or the procedure) transmits to the retailer 10 a report (eg, electronic) that identifies the deposit information in checks for the retail seller. 10 for matching purposes, taxes or other purposes. The rep n report within the day, a daily report, a monthly report, etc.

Based on a characteristic particularly b i This invention, the information transmitted to the seller to cluye an account of the particular business day or of the days of the day. If, for example, the business day of the seller to ide with a holiday, then at 6:00 pm on January 5, goat of data (for example, by the safe) and then that location that identifies the amount total (ie, ivo) collected between 6:00 p.m. from January 4 through January, and separately identifies the total amount collected until 6:00 p.m. on January 5. With said information, total credit amount provided to the seller on a business day basis. Subsequently, the next day end on January 6, another data file is generated and transmitted that identifies the total amount collected between 6:00 p until 12:00 a.m. on January 6 and identifies by total collected data. from 12:00 a.m. to 6:00 p.m. on the 6 th to is provided in accordance. From the example, the total credit amount provided for the business day of 5 d in a first transmission (in or shortly after 6:00) that identifies a partial collection on January 5 (e, 275; and 5, 944) , 1 63, previously identified, describe the situation, in the context of the preparation of reports, which break out for each working day, part and each month, thus, the strong boxes with this capacity to strong CompuS afe 4000M R Brink may be used in the invention to provide the additional characteristic of assigning and reporting credit on a business day basis.

The characteristics and variations described in lapn apply in case s where the business day of the seller on the way out with the end of the day or where the business day does not coincide with where the business day coincides or does not coincide with a day fo the end of the day coincides or does not coincide with a holiday.

In addition to the above information provided to the node, the retail vendor may additionally have a processing facilitator's database 50 for processing the retail vendor's deposits, historical production including exceptions and variations, vendor credit supply retail with said recol As stated in the foregoing description, the funds become available in an expedited manner that provide improved cash and provide other characteristics and business establishments and those who receive checks from their normal business operations. In advance payment of credit is provided to the seller in novel ways that allow the sellers to benefit from the check and effec- tive collections without having to wait for the checks to be deposited in some other way to a facility. of process to wait for the pickups to be service captures of armored vehicles and then be third party cash processing facilities, deposited and / or processed in some other way for a post-harvest activity commonly requires more time during which historical retailers and variations of the same, are intended annexed announcements are interpreted including the present modality, the alternatives mentioned above and all the equa.

Claims (1)

1. CLAIMS 1 . A procedure to provide retail credit for collections that produces financial actions with the retail seller, characterizes the stages of: collect customer checks by a vendor at the financial transactions between customers and the seller over a period of time; deposit checks collected at least at the retailer's store; calculate, at a designated time, a monetary value deposited in the strong box during the period of time electronically transmit at least one file of data identifying the total monetary value calculated during the period of time to allow the creditor to retail by a financial institution with the calculated calculated value of the checks. the electronic scanning of each check during the respective financial transaction in which it is collected by the retail seller, from a customer 4. The procedure in accordance with the claim because it also includes, during each period during which a check is collected from a retail customer, showing on a screen placed on or holding an image of the digitized electronic check seated by the data of the customer. image, and receive a verification from the retail store indicating that the image is legible. 5. The method in accordance with the claim because it further comprises providing the customer with a printed image of the check at the end of a financial transaction in which 7. The procedure in accordance with the claim because the electronic deposit includes only a check number on the check, a date check id and a routing / account number on the check; and by data item s includes data identifying the number, date and routing / account number. 8. The procedure according to claim 1, further comprising electronically digitizing each of the checks deposited in the strong image pair; and wherein at least one image data file i. 9. The proceeding in accordance with the claim because the step of depositing the checks re-digitizes electronically each of the checks in the strong box, produces image data that is transferred in the sealed cassette and a date and hour of each of the checks in the strong box. eleven . The procedure in accordance with the legal obligation because it also includes collecting retail cash during other financial transactions of time; and deposit the collected cash in a place placed inside the strong box in which the deposits are deposited. 2. The method in accordance with the claim characterized in that it also comprises calculating a total amount of cash deposited in the strong box during me; and wherein at least one data file includes the total monetary amount calculated from the cash. 1 3. The procedure in accordance with the reified character because the distribution by the installation for the nudeo that is going to be accredited by the financial institution S that the checks deposited in the strong box are menté of the strong box. 15. The procedure in accordance with the characterization because it also comprises the stages of work is deposited in the strong box to a processing facility, verify by the total check processing facility of the checks to produce a quantity see the credit previously provided to the vendor at m in the differences, if any, between the total verified total amount of the checks deposited in the box affic in the electronically transmitted data file. 16. A credit supply procedure for collections that take place during the total cash of the checks deposited in the cashier's box of the day of a business day preceding the respective business day and for the respective business day; Y transmit electronically, at the end of each business day, a respective data file that identifies the total calculated respective price to enable for the acre ctive of the seller at retail by a respective calculated total monetary financial institution. 1 7. Pro cedimi ent in accordance with the description because the deposit of the checks collected is a strong box, including the electronic digitization of casks deposited in the strong box to produce data from at least one of the Data files includes what n. 1 8. The procedure in accordance with the reivi 19. The procedure in accordance with the description characterized in that it further comprises providing the printed OR containing a printed image of the check at the end of a financial transaction in a customer check by the retail seller. 20. The procedure in accordance with the characterization because it also includes the stages of reception, on each of the working days, the data file, respectively, of the respective; and distribute by the installation for the nudeo that is going to be accredited by the respective total calculated financial institution. 21. The procedure in accordance with the characterization because the checks deposited in the strength box of business days are not removed from the box during the plumbers. Characterized because each data file identifies the calculated value broken down by business day, which includes a value of checks deposited in the strong box between the end of the previous one until the end of the preceding business day and a value of checks deposited in the strong box. between the beginning of the day and the end of the day of the respective business day. 24. The procedure in accordance with the characterization because it also includes the stages of reception, on each of the working days the files electronically mitidos respective; and distribute by the vendor the retail that is to be accredited by the institute on a business day basis, based on the respective monetary values identified in the trionally relevant data file. 25. The procedure in accordance with the law is to collect checks from the seller at the retail locations of the retailer's retail stores; deposit the checks collected at each retail store locations in strong boxes at the locations of the retail stores to calculate a respective total monetary value of the items in the respective safe in each of the locations. of retail sale during the period of time; electronically transmit, for each of the retail sales numbers, a data file specifying the respective calculated total monetary value of the items in each of the store locations when receiving for a facility all the files electronically; Y Distribute by seller's installation to the retail menu. A financial institution with a credit with the total credit occurs before the items in the strong boxes are physically removed from the bank. 28. The procedure in accordance with the characterization because the calculation of the total monetary value of the deposits deposited in the respective strong box in each of the retail stores is carried out in the respective swim for each of the store locations. d and a designated time for a first of the retail locations is substantially different from swimming for a second of the retail store locations. 29. An electronic system, characterized in that with a strong box placed in a store location, the strong box has a file stored in it in the data file. 30. The system in accordance with the claim because it also comprises a digitizer or gene associated with the strong box for digitizing electronics and the checks deposited in the strong box for production; and the data file includes its image data. 3 1. The system in accordance with the claim because it further comprises an associated display c to display an image of one of the checks di ¬ monly as they are represented by the input data to receive a verification by the store. retail sale that indicates that the image is liable. 32. The system according to the claim with the retailer, characterized in that a plurality of checks collected by a seller in a plurality of locations of the shops of the vdeo; a plurality of safes, each of the boxes placed in one of the respective plurality of retail locations, the checks collected in each of the retail store locations is deposited corresponding to the plurality of boxes strong, each strong is adapted to calculate a total monetary value S checks deposited in the respective strong box and electronically adapt a file of respective data that respective monetary value calculated respective deposited in each retail shop; Y an installation to receive all of the electronically transmitted ar, the installation is adapted for the retail vendor for which it was provided