System, computer program and method for processing presentment and adjustment information to institutions participating in a regional or national clearing house

摘要

A system, computer program and method for adjusting debits and credits received from participating institutions are provided. The system includes a plurality of remote computers of participating institutions, a central server, a network interface in communication with the clearing house computer and the plurality of remote computers over a network, and a database in communication with the central server. The network interface is configured to receive a plurality of presentment data from a first computer of the plurality of remote computers of participating institutions. Each of the plurality of presentment data including one or more debit or credit items each having a presentment amount. The central server is configured to store in the database the plurality of presentment data, receive, from a second computer of the remote computers of participating institutions, an adjustment request corresponding to one or more debit or credit items received from the first computer of the plurality of remote computers of participating institutions, communicate the adjustment request to the first computer of the plurality of remote computers of participating institutions via the network interface, enable the first computer of the plurality of remote computers of participating institutions to accept or deny the adjustment request, and initiate an adjustment based on the adjustment amount if the first computer of the plurality of remote computers of participating institutions accepts the adjustment request. The adjustment request includes detailed adjustment data having an adjustment amount and one or more scanned images corresponding to the respective debit or credit items.