eCheck Historical Library: The eCheck Architecture Paper
Architectural overview of the FSTC eCheck system
This draft document provides an overview of how the FSTC eCheck application works within an overall system context. It explains what an eCheck is, and the applications used to create, send, receive, endorse and deposit echecks. Also described are the bank clearing and settlement systems used to handle eCheck deposits, and subsequently credit and debit the appropriate accounts. This architectural overview is being released along with the FSML eCheck technical specification because it may provide useful context for understanding FSML and the role FSML plays in the eCheck application.