Methods and systems for accepting offers via checks
First Claim
1. A method for processing a check, comprising:
- determining an offer indicated on a check;
determining that the offer has been accepted by a payor of the check, the acceptance also being indicated on the check; and
processing the check in accordance with the offer.
4 Assignments
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Accused Products
Abstract
In accordance with one or more embodiments, a method and system are provided for facilitating the output of an offer to an account holder of a financial account, which offer the account holder may accept via a check being presented by the account holder as payment for a transaction. For example, the account holder may alter an indicium on the check to indicate acceptance of the offer. An example of an offer is an offer to sell to the account holder transactional overdraft protection for the transaction for which a check is provided as payment. Another example of an offer to provide a benefit to the account holder in exchange for a commitment by the account holder to an obligation. Such an offer may be provided by, for example, a merchant different than the merchant at which the check is being provided as payment for a transaction. In one or more embodiments, the offer or an indication of the offer may be printed on the check or handwritten on the check.
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Citations
51 Claims
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1. A method for processing a check, comprising:
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determining an offer indicated on a check;
determining that the offer has been accepted by a payor of the check, the acceptance also being indicated on the check; and
processing the check in accordance with the offer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29)
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30. A method for processing a check, comprising:
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determining, based on information indicated on a check, a first instruction for disbursing funds from a checking account associated with the check, the first instruction indicating a first payee and a first amount to be disbursed;
determining, based on the information indicated on the check, a second instruction for disbursing finds from the checking account, the second instruction indicating a second payee and a second amount to be disbursed; and
processing the check in accordance with the first instruction and the second instruction. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45)
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46. A check usable to authorize disbursement of funds from a checking account, the check having printed thereon:
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an offer from a merchant; and
an area usable by an account holder of the checking account to accept the offer. - View Dependent Claims (47, 48, 49, 50, 51)
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Specification