Methods and systems for check processing using blank checks at a point-of-sale
First Claim
1. A method for enabling check processing using a blank check, the method comprising:
- receiving a transaction amount, checking account information from a blank check, and an electronic image of a face of the blank check.
2 Assignments
0 Petitions
Accused Products
Abstract
A system is disclosed in which in one embodiment includes a point-of-sale terminal or cash register which is connected to a check imager, a MICR (magnetic ink character recognition) reader, biometric sensor, and a printer. The system integrates electronic check processing into retail operations such as items at a grocery checkout and allows customers to pay for goods or services with a blank check and without the need to without write out or sign the blank check. One embodiment of a method for check posting includes receiving and storing a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from an owner of the checking account such as an electronic image of a handwritten signature or fingerprint from an owner of the checking account. An electronic check posting transaction request may be generated from the transaction amount and the checking account information and forwarded for settlement.
120 Citations
59 Claims
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1. A method for enabling check processing using a blank check, the method comprising:
receiving a transaction amount, checking account information from a blank check, and an electronic image of a face of the blank check. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for enabling check processing using a blank check, the method comprising:
receiving a transaction amount, checking account information from a blank check, and biometric information from an owner of the checking account. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. A method for check processing using a blank check, the method comprising:
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receiving a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from an owner of the checking account;
generating an electronic check posting transaction request from the transaction amount and the checking account information; and
forwarding the electronic check posting transaction request for settlement. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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23. A method for enabling check processing using a blank check at a point-of-sale, the method comprising:
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receiving at the point-of-sale a blank check from a customer at the point-of-sale;
receiving at the point-of-sale a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from the customer;
storing the transaction amount, the checking account information, the electronic image of the blank check, and the biometric information;
printing indicia on the face of the blank check to void the blank check; and
returning the voided blank check to the customer. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30)
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31. A method for check processing using a blank check at a point-of-sale, the method comprising:
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receiving at the point-of-sale a blank check from a customer;
receiving at the point-of-sale a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from the customer;
storing the transaction amount, the checking account information, the electronic image of the blank check, and the biometric information;
printing indicia on the face of the blank check to void the blank check;
returning the voided blank check to the customer;
generating an electronic check posting transaction request from the transaction amount, and the checking account information; and
forwarding the electronic check posting transaction request for settlement. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38, 39)
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40. A method for warehousing information relating to check transactions, the method comprising:
storing in at least one data storage unit a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from the owner of the checking account. - View Dependent Claims (41, 42, 43)
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44. A system for enabling check processing using a blank check, the system comprising:
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a processor for receiving a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from an owner of the checking account; and
said processor operable for transferring the transaction amount, the checking account information, the electronic image of a face of the blank check, and the biometric information to a data storage unit. - View Dependent Claims (45, 46, 47, 48, 49, 50, 51, 52, 53)
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54. At least one program storage device readable by a machine, tangibly embodying at least one program of instructions executable by the machine to perform a method for enabling check processing using a blank check, the method comprising:
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receiving a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from an owner of the checking account; and
transferring the transaction amount, the checking account information, the electronic image of the face of the blank check, and the biometric information to a data storage unit. - View Dependent Claims (55, 56)
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57. An article of manufacture comprising:
at least one computer usable medium having computer readable program code means embodied therein for use in check processing using a blank check, the computer readable program code means in said article of manufacture comprising;
computer readable program code means for causing a computer to receive a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from an owner of the checking account;
computer readable program code means for causing a computer to generate an electronic check posting transaction request from the transaction amount and the checking account information; and
computer readable program code means for causing a computer to forward the electronic check posting transaction request for settlement. - View Dependent Claims (58, 59)
Specification