Systems and methods for accessing reconcilement information

Details Systems and methods for accessing reconcilement information Systems and methods for accessing reconcilement information

2003-12-23

2009-12-29

Poinvil, Frantzy (Department: 3696)

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

Automated electrical financial or business practice or...

Finance

C705S038000, C705S03600T, C705S035000

Reexamination Certificate

active

07640205

ABSTRACT:
Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented to a check-cashing entity in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful sources of reconcilement information are identified for querying in association with a proposed check-cashing transaction, a decision regarding how many of the sources to query and/or how long to continue to query may be based at least in part on factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity.

REFERENCES:
patent: 4109238 (1978-08-01), Creekmore
patent: 4187498 (1980-02-01), Creekmore
patent: 5327508 (1994-07-01), Deaton et al.
patent: 5668897 (1997-09-01), Stolfo
patent: 5679938 (1997-10-01), Templeton et al.
patent: 5679940 (1997-10-01), Templeton et al.
patent: 5696739 (1997-12-01), Chang
patent: 5781654 (1998-07-01), Carney
patent: 5930777 (1999-07-01), Barber
patent: 6021397 (2000-02-01), Jones et al.
patent: 6115709 (2000-09-01), Gilmour et al.
patent: 6170744 (2001-01-01), Lee et al.
patent: 6196460 (2001-03-01), Shin
patent: 6464134 (2002-10-01), Page
patent: 6505772 (2003-01-01), Mollett et al.
patent: 6547132 (2003-04-01), Templeton et al.
patent: 6581043 (2003-06-01), Wallin et al.
patent: 6754640 (2004-06-01), Bozeman
patent: 6764013 (2004-07-01), Ben-Aissa
patent: 6807607 (2004-10-01), Lamparter
patent: 6827260 (2004-12-01), Stoutenburg et al.
patent: 7100820 (2006-09-01), Michelassi et al.
patent: 2001/0042785 (2001-11-01), Walker et al.
patent: 2002/0032651 (2002-03-01), Embrey
patent: 2002/0052852 (2002-05-01), Bozeman
patent: 2002/0156980 (2002-10-01), Rodriguez
patent: 2002/0178112 (2002-11-01), Goeller et al.
patent: 2003/0093368 (2003-05-01), Manfre et al.
patent: 2003/0130919 (2003-07-01), Templeton et al.
patent: 2003/0172030 (2003-09-01), Volgunin
patent: 2003/0217003 (2003-11-01), Weinflash et al.
patent: 2004/0089711 (2004-05-01), Sandru
patent: 2004/0098385 (2004-05-01), Mayfield et al.
patent: 2004/0117302 (2004-06-01), Weichert et al.
patent: 2005/0137951 (2005-06-01), Michelassi et al.
patent: 2005/0137982 (2005-06-01), Michelassi et al.
patent: 2005/0149440 (2005-07-01), Michelassi et al.
patent: 2007/0000994 (2007-01-01), Michelassi
patent: WO 01/97134 (2001-12-01), None
patent: WO 03/042790 (2003-05-01), None
patent: WO 03/083751 (2003-10-01), None
Certegy to Offer Visa Point-of-Sale Check Service PR Newswire. New York: Sep. 25, 2003. p. 1.
Office Action of Feb. 26, 2007 received from USPTO for U.S. Appl. No. 11/513,795.
Response to Office Action of Feb. 26, 2007 received from USPTO for U.S. Appl. No. 11/513,795.
Notice of Allowance of Jul. 2, 2007 received from USPTO for U.S. Appl. No. 11/513,795.
Request for Continued Examination filed Oct. 1, 2007 for U.S. Appl. No. 11/513,795.
Office Action of Sep. 21, 2005 received from USPTO for U.S. Appl. No. 10/745,464.
Response to Office Action of Sep. 21, 2005 received from USPTO for U.S. Appl. No. 10/745,464.
Notice of Allowability for U.S. Appl. No. 10/745,464, dated Apr. 14, 2006.
Office Action of Nov. 7, 2005 received from USPTO for U.S. Appl. No. 10/744,914.
Response to Office Action of Nov. 7, 2005 received from USPTO for U.S. Appl. No. 10/744,914.
Office Action of Apr. 17, 2006 received from USPTO for U.S. Appl. No. 10/744,914.
RCE & Response to Office Action of Apr. 17, 2006 received from USPTO for U.S. Appl. No. 10/744,914.
Office Action of Nov. 2, 2006 received from USPTO for U.S. Appl. No. 10/744,914.
Response to Office Action of Nov. 2, 2006 received from USPTO for U.S. Appl. No. 10/744,914.
Office Action of Jun. 15, 2007 received from USPTO for U.S. Appl. No. 10/744,914.
Response to Office Action of Jun. 15, 2007 received from USPTO for U.S. Appl. No. 10/744,914.
Request for Continued Examination to Office Action of Jun. 15, 2007 received from USPTO for U.S. Appl. No. 10/744,914.
Notice of Allowance received from USPTO for U.S. Appl. No. 11/513,795.
Disclosure Statement Under 37 C.F.R. § 1.56 for U.S. Appl. No. 10/744,706.
Non-Final Office Action dated Mar. 21, 2008 for U.S. Appl. No. 10/744,914.
Final Office Action dated Aug. 26, 2008 for U.S. Appl. No. 10/744,914.
Non-Final Office Action dated Dec. 16, 2008 for U.S. Appl. No. 10/744,914.
Non-Final Office Action dated Feb. 1, 2008 for U.S. Appl. No. 10/744,957.
Final Office Action dated Oct. 29, 2008 for U.S. Appl. No. 10/744,957.
Non-Final Office Action dated Apr. 13, 2009 for U.S. Appl. No. 10/744,957.
Disclosure Statement Under 37 CFR 1.56 dated Sep. 10, 2009.

Affiliated with

Also associated with

Rating

Systems and methods for accessing reconcilement information does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Systems and methods for accessing reconcilement information, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Systems and methods for accessing reconcilement information will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-4147481