Checking account personal identification method
First Claim
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1. A method for preventing check fraud, the method comprising the steps of:
- establishing personal identification access information for a checking account from a financial institution;
transmitting the checking account information and the personal identification access information from a first location to a second location;
comparing the transmitted information with stored checking account information and stored personal identification access information at the second location for verification; and
transmitting a verification signal from the second location to the first location.
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Abstract
This invention is a method of establishing and associating personal identification information to a checking account so that the personal identification information must be entered by the customer, the personal identification information and checking account information transmitted to a remote location for verification, and then a verification message sent from the remote location to the merchant at the point of presentment before the check is accepted by the merchant.
54 Citations
27 Claims
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1. A method for preventing check fraud, the method comprising the steps of:
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establishing personal identification access information for a checking account from a financial institution;
transmitting the checking account information and the personal identification access information from a first location to a second location;
comparing the transmitted information with stored checking account information and stored personal identification access information at the second location for verification; and
transmitting a verification signal from the second location to the first location. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for preventing check fraud, the method comprising the steps of:
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providing a document with document identification information;
transmitting document information and document identification information from a first location to a second location;
comparing the transmitted information with stored document information and stored document identification information at the second location for verification; and
transmitting a verification signal from the second location to the first location. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A method for preventing check fraud, the method comprising the steps of:
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establishing personal identification access information for a checking account from a financial institution;
associating the single personal identification access information with account information from multiple financial accounts;
transmitting account information and the personal identification access information from a first location to a second location;
comparing the transmitted information with stored account information and stored personal identification access information at the second location for verification; and
transmitting a verification signal from the second location to the first location. - View Dependent Claims (16, 17)
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18. An apparatus for preventing check fraud for use with a transaction point at a first location, the transaction point having a keypad and a check scanner, the apparatus comprising:
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a processing unit at a second location in electronic communication with the keypad and a check scanner; and
a memory coupled to the processing unit, wherein the memory contains programming code executed by the processing unit to;
receive keypad and a check scanner data including checking account information and personal identification access information established from a financial institution from the transaction point;
compare the transmitted keypad and a check scanner data information with stored checking account information and stored personal identification access information at the second location for verification; and
transmit a verification signal from the second location to the first location. - View Dependent Claims (19, 20, 21, 22, 23)
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24. A method for preventing check fraud, the method comprising the steps of:
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providing an indicia on a check as an indication of authenticity;
associating a confidential personal identification number with checking account information;
transmitting checking account information and the confidential personal identification number from a first location to a second location;
comparing the transmitted information with stored checking account information and stored confidential personal identification number at the second location for verification;
wherein the stored information is encrypted;
providing an automated integrated voice response system for processing the transmitted information, where at least a portion of communications with the integrated voice system are communicated as voice signals; and
transmitting a verification signal from the second location to the first location. - View Dependent Claims (25, 26, 27)
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Specification