1. A method comprising executing computer implemented instructions performed by one or more processors for determining the collectability of check writers, the method comprising:
storing a negative file in a database, the negative file including negative information about each check writer of a plurality of check writers;
classifying, via at least one processor, each check writer into one of a plurality of categories associated with a score based at least in part on the number of checks returned to merchants for insufficient funds;
modifying, via at least one processor, the negative file by removing the negative information for each check writer classified within a pre-determined set of the categories and retaining the negative information for each check writer not classified with the pre-determined set of categories;
labeling, via at least one processor, each check writer classified within the pre-determined set of categories as collectible and labeling each check writer not classified within the predetermined set of categories as non-collectible; and
transmitting the modified negative file to at least one merchant for use in check verification at a merchant location, wherein the modified negative file is accessed to determine check writer information.
2. The method of claim 1 wherein classifying each check writer into one of the plurality of categories comprises:
receiving the negative information from the negative file;
processing the negative information to determine a score for each check writer based on the negative information; and
classifying each check writer into one of the plurality of categories based on the score of the check writer.
3. The method of claim 2 further comprising saving the modified negative file as a scrubbed file.
4. A method for determining the collectability of a check writer, the method comprising:
receiving negative information about the check writer from a database;
processing the negative information to determine a score, wherein the score is based at least in part on the number of checks returned to merchants for insufficient funds;
classifying the check writer within one of a plurality of categories based on the score;
removing the negative information from the database if the category into which the check writer is classified is one of a predetermined set of categories; and
transmitting a scrubbed negative file from the database to at least one merchant for use in check verification at a merchant location, wherein the modified negative file is accessed to determine check writer information.
5. The method of claim 4 further comprising saving the negative information in a scrubbed filed if the category into which the check writer is classified is not one of the pre-determined set of categories.
6. A system for determining the collectability of check writers, the system comprising:
a database containing a negative file, the negative file including negative information of a plurality of check writers; and
a processor in communication with the database, the processor operative to:
(a) classify individual check writers of the plurality of check writers as one of a plurality of pre-determined categories associated with a score based at least in part on the number of checks returned to merchants for insufficient funds,
(b) modify the negative file by removing the negative information of the individual check writers classified within a pre-determined set of the plurality of pre-determined categories and retaining the negative information of the individual check writers not classified within the pre-determined set of the plurality of pre-determined categories,
(c) label the individual check writers classified within a pre-determined set of the plurality of pre-determined categories as collectible and labeling the individual check writers not classified within the pre-determined set of the plurality of pre-determined categories as non-collectible, and
(d) transmit the modified negative file to at least one merchant for use in check verification at a merchant location, wherein the modified negative file is accessed to determine check writer information.
7. The system of claim 6, the processor further configured to:
receive the negative information of the individual check writers from the negative file;
determine scores of the individual check writers based on the negative information; and
classify the individual check writers as one of the plurality of pre-determined categories based on the scores of the individual check writers.
8. The system of claim 7, wherein the processor is further configured to save the modified negative file as a scrubbed file.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A device for suspending bed-base slats, formed by an end-piece which has an upper portion which comprises at least one receptacle to receive the end of a slat, a lower portion provided with a device for anchoring the said end-piece to a bed frame, and an intermediate portion comprising suspension members which connect the lower portion to the upper portion wherein the suspension members comprise at least one longitudinal wall which is capable of folding at least one substantially longitudinally extending fold line, and a pair of transverse walls which are capable of folding at a substantially transversely extending fold line, and wherein the longitudinal wall is arranged substantially between the two transverse walls.
2. The suspension device according to claim 1, wherein, when seen in the transverse direction of the end-piece, the transverse span of the longitudinal wall, when it is folded or unfolded, is substantially equal to or slightly smaller than the width of the lower portion.
3. The suspension device according to claim 1 wherein, when seen in the transverse direction of the end-piece, the width of each of the transverse walls is substantially equal to or slightly smaller than the width of the lower portion.
4. The suspension device according to claim 1, wherein, when seen in the transverse direction of the end-piece, the longitudinal wall comprises at least one angled portion in such a way as to define the fold line.
5. The suspension device according to claim 4, wherein the angled portion is so orientated as to open towards the outside of the bed frame.
6. The suspension device according to claim 4 wherein the longitudinal wall also comprises a second angled portion which defines a second fold line, the said portion being so orientated that it opens towards the inside of the bed frame.
7. The device according to claim 1, wherein, when projected orthogonally onto a reference plane parallel to the slat, the fold line in the longitudinal wall is curved.
8. The device according to claim 1, wherein, when projected orthogonally onto a reference plane parallel to the slat, the fold line in the transverse wall is curved.
9. The suspension device according to claim 1, wherein the upper portion comprises two receptacles to receive the ends of two slats.
10. The suspension device according to claim 9, wherein the longitudinal wall also comprises two upper arms which are connected each to a respective one of the receptacles.
11. The suspension device according to claim 9 wherein the longitudinal wall also comprises two lower arms which are connected to the lower portion.
12. The device according to claim 9, wherein a supporting platform for a mattress is arranged above the two receptacles.
13. The device according to claim 9, wherein each of the receptacles comprises an extension which forms a supporting portion for a mattress.
14. The device according to claim 1, wherein the lower portion also comprises an additional receptacle to receive the end of a lower slat.
15. The device according to claim 1, wherein the anchoring device comprises at least one spigot which is intended to fit into a hole made in the bed frame.
16. The device according to claim 1, wherein the anchoring device comprises at least one sleeve to be fixed to a spigot secured to the bed frame.