Retailers are finding that the best way to cut losses due to bad checks is to automate the approval process. Using technology such as electronic check readers, in-store check approval data bases and wide-area information networks, retailers are fighting back against check fraud -- and saving millions of dollars in check losses and bank charges. Automated check clearing has yielded substantial results for both retailers and wholesalers. Ralphs Grocery Co., Compton, Calif., has saved $2 ...

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