Nie wiem na 100% jak sie to fachowo nazywa po polsku, ale chodzi o udostepnienie elektronicznych kopii rachunkow tudziez zrealizowanych czekow.
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A development gaining momentum in Internet banking circles may soon change the way consumers pay their bills. This advancement is called bill presentment because the computer presents bills on screen for consumers to see, study and pay. Proponents have dubbed it the online banking "killer app," and alliances are in the making industry-wide.

"Electronic bill presentment is clearly the next step in online banking," said Patrick J. Swanick, vice chairman of KeyBank after the Dec. 4 announcement that Wells Fargo and KeyBank would pilot the electronic bill presentment and payment service of e-commerce provider MSFDC. This followed the Oct. 4 announcement by Chase Manhattan Bank of plans to offer, through Checkfree Corp., electronic bill presentment to individual and commercial customers for free.

Bill presentment offers bills in detail. The key difference between electronic bill presentment and ordinary electronic bill payment is that the customer will view the bill on a computer screen by logging online with a bank. Full billing detail will be presented.

Customers will be alerted that a bill has been issued via e-mail. Existing electronic payment services do not include bill presentment, but provide only the total amount due. To see a breakdown of charges, consumers must wait for each bill to arrive separately by mail.

With bill presentment, customers can pay the bill immediately and the money is transferred automatically from the account.

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Check Clearing for the 21st Century Act, http://www.micrautomation.com/truncation.html


On December 17, 2001, Federal Reserve Chairman Allen Greenspan sent the Check Truncation Act to the US House and Senate. As his cover letter stated: "The proposed Check Truncation Act is designed to foster payment system innovation and enhance the efficiency of the payments system by reducing some of the legal impediments to check truncation that exist under current law". The Act was finally passed in 2003 and signed by President Bush on October 28. It takes effect on October 28 2004. At that time, banks can send images instead of checks to banks who will accept them, and send Image Replacement Documents to the others.

The ANSI X9.37 Standard has been revised, and defines the operational details for electronic presentment.

The MICR Automation System fully supports electronic presentment and acceptance. Incoming presentments are treated just like incoming cash letter bundles. The system creates a run for them just as if they had been run through a sorter. Operators can then hotkey up the images and other supporting details for each item from the MICR line screen.

When the data is sent to the host system, electronically presented items will be included just as if they were actual checks, complete with any special trancode(s) that users want to apply. There is no need to make any changes to the core processing system.

On the presentment side, the MICR Automation System provides for sending image presentment endpoint items to a separate pocket, and then automatically prepares image presentment files for these endpoints.

The so-called Second Day handling is fully supported. MICR Automation Image Based Exception Item Handling intercepts the Exception Item File and allows the transaction images in accounts with bad items to be reviewed instead of the paper documents. It then rewrites the Exception Item File to pull only the items being physically returned, and prepares electronic return item bundles for the items presented electronically.

MICR Automation users can move incrementally. As more and more endpoints announce that they will accept image presentments, users can stop manually handling more and more items.