Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2008-09-11
2010-06-29
Nguyen, Nga B. (Department: 3684)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S039000, C705S040000, C705S044000, C705S064000, C705S072000, C705S076000, C235S375000, C380S022000, C380S051000, C380S054000
Reexamination Certificate
active
07747530
ABSTRACT:
A device is provided that includes a monetary instrument having a surface, and a magnetic ink character recognition (MICR) line coupled to that surface. The MICR line includes an ABA number, a customer account number, and a one-way hash value. The one-way hash value is output from a hashing process using input including the ABA number, the customer account number, together with a personal identification code and a key that are not included on the MICR line. A method is also provided that authenticates a monetary instrument by comparing a computed one-way hash value with a one-way hash value that is located in the MICR line of the monetary instrument. At the point-of-sale, the MICR line data is scanned and the personal identification code obtained from the customer. The scanned data and the personal identification code are transmitted to a check verifier that provides a check verification status.
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Ahuja Sanjay P.
Gordie, Jr. Randall A.
Meadow William D.
Nguyen Nga B.
Sterne Kessler Goldstein and Fox P.L.L.C.
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