Personal check acceptance systems and methods

Details Personal check acceptance systems and methods Personal check acceptance systems and methods

2007-12-28

2011-10-11

Champagne, Luna (Department: 3627)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Including point of sale terminal or electronic cash register

C705S026640, C705S042000, C705S044000, C705S075000, C235S382000, C235S379000

Reexamination Certificate

active

08036938

ABSTRACT:
Tools for facilitating the acceptance of personal checks and other presentation instruments. The tools, in some aspects, allow for preauthorization of a personal check (or other presentation instrument) prior to the merchant receiving the actual check, allowing a merchant, for example, to accept an order by phone, obtain details about the check that will be used to pay for the order, obtain preauthorization to accept the check, and arrange for delivery of the order. Upon delivering the order, the merchant can receive the check, and then obtain a full authorization to accept the check. The full authorization can be based primarily on the preauthorization, giving the merchant assurance that the check will in fact be authorized. In some cases, the tools of the invention also settle the check; in a particular aspect, the check can be settled without requiring the merchant to deposit the check.

REFERENCES:
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patent: 7108174 (2006-09-01), Sellen et al.
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patent: 2003/0144866 (2003-07-01), Pagliari et al.
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PCT International Search Report and Written Opinion mailed Feb. 17, 2009; International Application No. PCT/US2008/087779, 13 pages.

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