Methods and systems for accepting offers via checks
First Claim
1. A method for processing a check, comprising:
- Determining, via a check processing device an offer indicated on a check;
Determining that the offer has been accepted by the payor of the check via the check processing device; and
Processing the check via the check processing device in accordance with the offer and with a back-up financial account, wherein the back-up financial account is indicated on the check, and wherein the back-up financial account is used to pay at least a portion of an amount indicated on the check when a checking account associated with the check has insufficient funds.
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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
27 Claims
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1. A method for processing a check, comprising:
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Determining, via a check processing device an offer indicated on a check; Determining that the offer has been accepted by the payor of the check via the check processing device; and Processing the check via the check processing device in accordance with the offer and with a back-up financial account, wherein the back-up financial account is indicated on the check, and wherein the back-up financial account is used to pay at least a portion of an amount indicated on the check when a checking account associated with the check has insufficient funds. - 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)
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27. A computer readable medium storing instructions configured to direct a processor to;
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Determine an offer indicated on a check; Determine that the offer has been accepted by a payor of the check, the acceptance also being indicated on the check; and Process the check in accordance with the offer and with a back-up financial account, wherein the back-up financial account is indicated on the check, and wherein the back-up financial account is used to pay at least a portion of an amount indicated on the check when a checking account associated with the check has insufficient funds.
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Specification