An universal positive pay match, authentication, authorization, clearing
and settlement system to reduce check and card fraud. The system includes
several technologies for inputting check register information connectively
from various users of the system, a database for storing the check
register information and the check histories, software that searches for
and captures escheated check register information, software that
automatically polls check register information from the customer, the
customer's bank or merchant and conducting and transmitting a partial or
full reconciliation of the check register information from the system to
the customer. Also included in the system is the ability of the customer's
bank to provide either a stalled debit or debit stall to the customer.
