Enhanced pre-allocated check negotiability systems and methods

Details Enhanced pre-allocated check negotiability systems and methods Enhanced pre-allocated check negotiability systems and methods

2009-01-28

2010-02-09

Hess, Daniel A (Department: 2876)

Registers

Systems controlled by data bearing records

Banking systems

C705S039000

Reexamination Certificate

active

07658322

ABSTRACT:
Systems, methods, and software are described for authorizing transactions undertaken with a negotiable instrument which is pre-allocated a specific amount of funds. A host computer system may receive a request to allocate funds to a negotiable instrument. The host may verify the availability of funds, and allocate the funds to the negotiable instrument. The host may then receive a request to authorize the transaction in which the negotiable instrument is used. The host may verify that the particular instrument has been allocated the specific amount indicated, and thereby authorize the transaction.

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