Registers – Systems controlled by data bearing records – Credit or identification card systems
Reexamination Certificate
2006-08-31
2008-03-25
Stcyr, Daniel (Department: 2876)
Registers
Systems controlled by data bearing records
Credit or identification card systems
C235S379000
Reexamination Certificate
active
07347362
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 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 reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, 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 may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.
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Michelassi Leslie
Shankar Sharat
Templeton Randy
Tidwell Lisa C.
First Data Corporation
Stcyr Daniel
LandOfFree
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