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Memo-posting is a banking practice used in traditional batch processing systems where temporary credit or debit entries are made to an account before the final balance update occurs during end-of-day (EOD) processing. The temporary entry created during memo-posting is reversed once the actual transaction is posted during batch processing.
Memo-posting systems often need to go off-line while the database is re-loaded to prepare for the next day's business. Real-time systems do not need that re-load window. Sometimes real-time posting is thought to mean 'there is no batch'. This is not always the case. Real-time posting systems may still need to support batch processing.
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A memorandum (pl.: memorandums [1] [2] [3] or memoranda; from the Latin memorandum, "(that) which is to be remembered"), also known as a briefing note, is a written message that is typically used in a professional setting. Commonly abbreviated memo, these messages are usually brief and are designed to be easily and quickly understood. Memos can ...
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