Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2007-05-08
2007-05-08
Nguyen, Nga (Department: 3692)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S040000, C705S042000, C705S043000, C705S044000, C705S016000, C705S017000, C705S018000, C235S379000, C235S380000, C235S381000
Reexamination Certificate
active
09676956
ABSTRACT:
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from capture sites that preprocess financial instruments and generate data from the original instruments, for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.
REFERENCES:
patent: 4126779 (1978-11-01), Jowers et al.
patent: 4201978 (1980-05-01), Nally
patent: 4264808 (1981-04-01), Owens et al.
patent: 4321672 (1982-03-01), Braun et al.
patent: 4326258 (1982-04-01), de la Guardia
patent: 4417136 (1983-11-01), Rushby et al.
patent: 4454575 (1984-06-01), Bushaw et al.
patent: 4457015 (1984-06-01), Nally et al.
patent: RE31692 (1984-10-01), Tyburski et al.
patent: 4500750 (1985-02-01), Elander et al.
patent: 4523330 (1985-06-01), Cain
patent: 4555617 (1985-11-01), Brooks et al.
patent: 4578530 (1986-03-01), Zeidler
patent: 4602936 (1986-07-01), Töpfl et al.
patent: 4680803 (1987-07-01), Dilella
patent: 4694147 (1987-09-01), Amemiya et al.
patent: 4750201 (1988-06-01), Hodgson et al.
patent: 4843220 (1989-06-01), Haun
patent: 4858121 (1989-08-01), Barber et al.
patent: 4888812 (1989-12-01), Dinan et al.
patent: 4912762 (1990-03-01), Lee et al.
patent: 4926325 (1990-05-01), Benton et al.
patent: 4960981 (1990-10-01), Benton et al.
patent: 5053607 (1991-10-01), Carlson et al.
patent: 5054096 (1991-10-01), Beizer
patent: 5091968 (1992-02-01), Higgins et al.
patent: 5122950 (1992-06-01), Benton et al.
patent: 5144115 (1992-09-01), Yoshida
patent: 5159548 (1992-10-01), Caslavka
patent: 5168444 (1992-12-01), Cukor et al.
patent: 5175682 (1992-12-01), Higashiyama et al.
patent: 5200993 (1993-04-01), Wheeler et al.
patent: 5229764 (1993-07-01), Matchett et al.
patent: 5237158 (1993-08-01), Kern et al.
patent: 5237159 (1993-08-01), Stephens et al.
patent: 5265007 (1993-11-01), Barnhard, Jr. et al.
patent: 5274567 (1993-12-01), Kallin et al.
patent: 5324922 (1994-06-01), Roberts
patent: 5373550 (1994-12-01), Campbell et al.
patent: 5384835 (1995-01-01), Wheeler et al.
patent: 5425080 (1995-06-01), Abbie
patent: 5438184 (1995-08-01), Roberts et al.
patent: 5444779 (1995-08-01), Daniele
patent: 5453601 (1995-09-01), Rosen
patent: 5473143 (1995-12-01), Vak et al.
patent: 5484988 (1996-01-01), Hills et al.
patent: 5488671 (1996-01-01), Kern
patent: 5504822 (1996-04-01), Holt
patent: 5528705 (1996-06-01), Reasoner, Jr. et al.
patent: 5528765 (1996-06-01), Milligan
patent: 5532464 (1996-07-01), Josephson et al.
patent: 5544255 (1996-08-01), Smithies et al.
patent: 5546471 (1996-08-01), Merjanian
patent: 5613012 (1997-03-01), Hoffman et al.
patent: 5615277 (1997-03-01), Hoffman
patent: 5619524 (1997-04-01), Ling et al.
patent: 5664111 (1997-09-01), Nahan et al.
patent: 5668897 (1997-09-01), Stolfo
patent: 5673333 (1997-09-01), Johnston
patent: 5677955 (1997-10-01), Doggett et al.
patent: 5678046 (1997-10-01), Cahill et al.
patent: 5679938 (1997-10-01), Templeton et al.
patent: 5684965 (1997-11-01), Pickering
patent: 5689579 (1997-11-01), Josephson
patent: 5691524 (1997-11-01), Josephson
patent: 5708810 (1998-01-01), Kern et al.
patent: 5717868 (1998-02-01), James
patent: 5760916 (1998-06-01), Dellert et al.
patent: 5783808 (1998-07-01), Josephson
patent: 5784610 (1998-07-01), Copeland, III et al.
patent: 5787405 (1998-07-01), Gregory
patent: 5819236 (1998-10-01), Josephson
patent: 5832463 (1998-11-01), Funk
patent: 5870725 (1999-02-01), Bellinger et al.
patent: 5889863 (1999-03-01), Weber
patent: 5890141 (1999-03-01), Carney et al.
patent: 5895455 (1999-04-01), Bellinger et al.
patent: 5897625 (1999-04-01), Gustin et al.
patent: 5930778 (1999-07-01), Geer
patent: 5940813 (1999-08-01), Hutchings
patent: 5940844 (1999-08-01), Cahill et al.
patent: 5953702 (1999-09-01), Ohlemacher et al.
patent: 5963647 (1999-10-01), Downing et al.
patent: 5963659 (1999-10-01), Cahill et al.
patent: 5974148 (1999-10-01), Stambler
patent: 5978840 (1999-11-01), Nguyen et al.
patent: 5999624 (1999-12-01), Hopkins
patent: 6019282 (2000-02-01), Thompson et al.
patent: 6021202 (2000-02-01), Anderson et al.
patent: 6029172 (2000-02-01), Jorna et al.
patent: 6032137 (2000-02-01), Ballard
patent: 6036344 (2000-03-01), Goldenberg
patent: 6038553 (2000-03-01), Hyde, Jr.
patent: 6045039 (2000-04-01), Stinson et al.
patent: 6105011 (2000-08-01), Morrison, Jr.
patent: 6108104 (2000-08-01), Tesavis
patent: 6112902 (2000-09-01), Hayduchok et al.
patent: 6115509 (2000-09-01), Yeskel
patent: 6138107 (2000-10-01), Elgamal
patent: 6164528 (2000-12-01), Hills et al.
patent: 6178409 (2001-01-01), Weber et al.
patent: 6181837 (2001-01-01), Cahill et al.
patent: 6189785 (2001-02-01), Lowery
patent: 6202055 (2001-03-01), Houvener et al.
patent: 6257783 (2001-07-01), Hanaoka et al.
patent: 6289322 (2001-09-01), Kitchen et al.
patent: 6301379 (2001-10-01), Thompson et al.
patent: 6363164 (2002-03-01), Jones et al.
patent: 2002/0001393 (2002-01-01), Jones et al.
patent: 2131667 (1995-06-01), None
patent: 0 320 713 (1989-06-01), None
patent: 0 320 713 (1989-06-01), None
patent: 0 320 756 (1989-06-01), None
patent: 0 593 209 (1994-04-01), None
patent: 0 661 654 (1995-07-01), None
patent: 0 671 696 (1995-09-01), None
patent: 0 678 829 (1995-10-01), None
patent: 2 624 632 (1989-06-01), None
patent: 2 297 414 (1996-07-01), None
patent: WO 91/06052 (1991-05-01), None
patent: WO 91/06058 (1991-05-01), None
patent: WO 97/07468 (1997-02-01), None
patent: WO 97/22060 (1997-06-01), None
patent: WO 97/36254 (1997-10-01), None
patent: WO 98/47100 (1998-10-01), None
Cisco partners with AT&T CMS on network switch manufacturing, Lucent Technologies [On-line], Sep. 26, 1995 [Retrieved Dec. 2, 2002]. Retrieved from the Internet: <URL:http://www.lucent.com/press/0995/950926.mma.html.
Behnke et al., NSSDC's Mass Storage System Evolves [On-line], Mar. 1995 [Retrieved Dec. 2, 2002], vol. 11, No. 1. Retrieved from the Internet: <URL:http:/
ssdc.gsfc.nasa.gov
ssdc—news/march95/09—j—behnke—0395.html.
Interbank Check Imaging Networking Requirements & Costs (Presentation), 9 pages.
Specifications for the Secure Hash Standard, Federal Information Processing Standards Publication 180, May 11, 1993, p. JPMC 000808-000852 (with attached memos).
Memo, Requirements for Image Quality Capture Workstation Software, To: Susan West, Jo Sander, cc: Fred Strange, Larry Ng, From: Lyle Weaver, Jan. 23, 1995, p. JPMC 000853-000863.
Foreword, Parts I-II with Appendices, p. i-50.
Some Issues Related to Check Image Compression, p. JPMC 000920-000930.
Brickell, Cryptology on Smart Cards (Presentation), Sandia National Laboratories, 33 pages.
Financial Services Technology Consortium Interbank Check Imaging Project Meeting, Lawrence Livermore National Laboratory, Apr. 25-26, 1994, p. JPMC 000964-001010.
Financial Services Technology Consortium, FSTC Presentation to ANSI, Sep. 30-Oct. 1, 1996.
FSTC Interbank Check Imaging Project, Summary Report, p. 1-11.
The Image Forum, Feb. 28-29; Grand Hotel; Atlanta, GA, Global Concepts HomePage [On-line].
Financial Services Technology Consortium, Interbank Check Imaging Project (Presentation), May 25, 1994.
Medeiros, Case Studies in Check Image Archive Applications at Large US Banks: Making the Business Case, The Tower Group, Jul. 1998, 016:05W, p. 1-10, The Tower Group, Newton, MA, USA.
Medeiros, Workflow Software in Banking: Update, The Tower Group, Apr. 30, 1996, 008:006 (replaces 002:003 (Jan. 1994), p. 1-12, TowerGroup, Wellesley, MA, USA.
Medeiros, Check Image in Proof-of-Deposit: Update, TowerGroup, Mar. 31, 1996, 007:018, p. 1-1
Buchanan Danne L.
Titus William Ronald
Foley & Lardner LLP
Netdeposit, Inc.
Nguyen Nga
LandOfFree
Method and system for processing financial instrument... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Method and system for processing financial instrument..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and system for processing financial instrument... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3796009