Wireless check authorization

• US 7,185,805 B1
• Filed: 08/10/2004
• Issued: 03/06/2007
• Est. Priority Date: 08/10/2004
• Status: Expired due to Fees

• Current Assignee: Transmodus Corp.
• Original Assignee: Transmodus Incorporated
• Inventors: McShirley, Robert C.
• Primary Examiner(s): Caputo; Lisa M.
• Application Number:
  US10/916,345
• Time in Patent Office: 938 Days
• Field of Search: 235/379, 705/17, 705/45
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/325 using wireless networks

Abstract

A wireless check authorization system and method that determines in real time, upon receipt of check information from a check writer, whether the check writer'"'"'s checking account is open, whether the check writer has written more than a specified number of checks in a specified time period, whether the check writer'"'"'s checking account has any unpaid checks, and/or whether the checking account has a positive account balance, using a standard off-the-shelf handheld wireless device, such as a text messaging enabled cell phone, web enabled cell phone, short message service enabled wireless device, wireless application protocol enabled cell phone, personal digital assistant, pager, mobile phone, or other suitable wireless device, that a check taker typically carries substantially at all times, is easy to use, low priced, cost effective, and indicates to the check taker, in a simple and easy to understand manner, whether or not to accept a check for payment.

Claims

1. A wireless check authorization method, in which a server responsive to a handheld wireless device client operated by a check taker requests checking account authorization for a check written by a check writer having a checking account, the server interacting with a database having checking account status information and check taker account information, comprising the steps of:

a) said server determining from said database check taker account information if said check taker is registered to use said check authorization method and if said check taker has a check taker account that is up to date,

a1) if said check taker is not registered to use said check authorization method, informing said check taker to register to use said check authorization method and establish said check taker account,

a2) if said check taker is registered to use said check authorization method, said server determining from said database check taker account information if said check taker has said check taker account that is up to date,

a3) if said check taker is registered to use said check authorization method and if said check taker account is not up to date, informing said check taker to update said check taker account;

b) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date, said server determining from said database checking account information if said check writer checking account is open,

b1) if said check writer checking account is not open, informing said check taker that said check writer checking account is not open;

c) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, said server determining from said database checking account information if said check writer has written more than a specified number of checks in a specified time period,

c1) if said check writer has written more than said specified number of checks in said specified time period, informing said check taker that said check writer checking account is open, but said check writer has written more than said specified number of checks in said specified time period;

d) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, and said check writer has not written more than said specified number of checks in said specified time period, said server determining from said database checking account information if said check writer issued at least one said check that has been unpaid,

d1) if said check writer issued said at least one check that has been unpaid, informing said check taker that said check writer checking account is open and said check writer has not written more than said specified number of checks in said specified time period, but said check writer issued said at least one check that has been unpaid;

e) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, and said check writer has not written more than said specified number of checks in said specified time period, and said check writer did not issue said at least one check that has been unpaid, said server determining from said database checking account information if said check writer checking account has a positive account balance,

e1) if said check writer checking account does not have a positive checking account balance, informing said check taker that said check writer checking account is open, and said check writer has not written more than said specified number of checks in said specified time period, and said check writer did not issue said at least one check that has been unpaid, but said check writer checking account does not have a positive checking account balance;

e2) if said check writer checking account does have a positive checking account balance, informing said check taker that said check writer checking account is open, and said check writer has not written more than said specified number of checks in said specified time period, and said check writer did not issue said at least one check that has been unpaid, and said check writer checking account does have a positive checking account balance.

2. The wireless check authorization method of claim 1, wherein said server resides on said network.

3. The wireless check authorization method of claim 1, wherein said handheld wireless device client and said server communicate one with the other via a wireless service provider and a network interconnected one with the other, said server residing on said network.

4. The wireless check authorization method of claim 1, wherein said network is from the group consisting of a public network, a private network, a generic network, a global network, an internet, a satellite network, a wide area network a metropolitan area network, a local area network, an intranet, and combinations thereof.

5. The wireless check authorization method of claim 1, wherein said handheld wireless device client is from the group consisting of a text message enabled cell phone, a web enabled cell phone, a personal digital assistant, a pager, and a mobile phone.

6. The wireless check authorization method of claim 1, wherein said handheld wireless device client is an off-the-shelf text message enabled cell phone.

7. The wireless check authorization method of claim 1, wherein said handheld wireless device client is an off-the-shelf web enabled cell phone.

8. The wireless check authorization method of claim 1, wherein said handheld wireless device client is an off-the-shelf pager.

9. The wireless check authorization method of claim 1, wherein said handheld wireless device client is an off-the-shelf personal digital assistant.

10. A wireless check authorization method, in which a server responsive to a handheld wireless device client operated by a check taker requests checking account authorization for a check written by a check writer having a checking account, the server interacting with a database having checking account status information and check taker account information, comprising the steps of:

a) said server determining from said database check taker account information if said check taker is registered to use said check authorization method and if said check taker has a check taker account that is up to date,

a1) if said check taker is not registered to use said check authorization method, informing said check taker to register to use said check authorization method and establish said check taker account,

a2) if said check taker is registered to use said check authorization method, said server determining from said database check taker account information if said check taker has said check taker account that is up to date,

a3) if said check taker is registered to use said check authorization method and if said check taker account is not up to date, informing said check taker to update said check taker account;

b) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date, said server determining from said database checking account information if said check writer checking account is open,

b1) if said check writer checking account is not open, informing said check taker that said check is not authorized;

c) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, said server determining from said database checking account information if said check writer has written more than a specified number of checks in a specified time period,

c1) if said check writer has written more than said specified number of checks in said specified time period, informing said check taker that said check is not authorized;

d) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, and said check writer has not written more than said specified number of checks in said specified time period, said server determining from said database checking account information if said check writer issued at least one said check that has been unpaid,

d1) if said check writer issued said at least one check that has been unpaid, informing said check taker that said check is not authorized;

e) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, and said check writer has not written more than said specified number of checks in said specified time period, and said check writer did not issue said at least one check that has been unpaid, said server determining from said database checking account information if said check writer checking account has a positive account balance,

e1) if said check writer checking account does not have a positive checking account balance, informing said check taker that said check is not authorized;

e2) if said check writer checking account does have a positive checking account balance, informing said check taker that said check is authorized.

11. The wireless check authorization method of claim 10, wherein said server resides on said network.

12. The wireless check authorization method of claim 10, wherein said handheld wireless device client and said server communicate one with the other via a wireless service provider and a network interconnected one with the other, said server residing on said network.

13. The wireless check authorization method of claim 10, wherein said network is from the group consisting of a public network, a private network, a generic network, a global network, an internet, a satellite network, a wide area network a metropolitan area network, a local area network, an intranet, and combination thereof.

14. The wireless check authorization method of claim 10, wherein said handheld wireless device client is from the group consisting of a text message enabled cell phone, a web enabled cell phone, a personal digital assistant, a pager, and a mobile phone.

15. The wireless check authorization method of claim 10, wherein said handheld wireless device client is an off-the-shelf text message enabled cell phone.

16. The wireless check authorization method of claim 10, wherein said handheld wireless device client is an off-the-shelf web enabled cell phone.

17. The wireless check authorization method of claim 10, wherein said handheld wireless device client is an off-the-shelf pager.

18. The wireless check authorization method of claim 10, wherein said handheld wireless device client is an off-the-shelf personal digital assistant.

19. A wireless check authorization method, in which a server responsive to a handheld wireless device client operated by a check taker requests checking account authorization for a check written by a check writer having a checking account, the server interacting with a database having checking account status information and check taker account information, comprising the steps of:

a) said server determining from said database check taker account information if said check taker is registered to use said check authorization method and if said check taker has a check taker account that is up to date,

a1) if said check taker is not registered to use said check authorization method, informing said check taker to register to use said check authorization method and establish said check taker account,

a2) if said check taker is registered to use said check authorization method, said server determining from said database check taker account information if said check taker has said check taker account that is up to date,

a3) if said check taker is registered to use said check authorization method and if said check taker account is not up to date, informing said check taker to update said check taker account;

b) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date, said server determining from said database checking account information if said check writer issued at least one said check that has been unpaid,

b1) if said check writer issued said at least one check that has been unpaid, informing said check taker that said check writer issued said at least one check that has been unpaid,

b2) if said check writer did not issue said at least one check that has been unpaid, informing said check taker that said check writer did not issue said at least one check that has been unpaid.

20. The wireless check authorization method of claim 19, wherein said server resides on said network.

21. The wireless check authorization method of claim 19, wherein said handheld wireless device client and said server communicate one with the other via a wireless service provider and a network interconnected one with the other, said server residing on said network.

22. The wireless check authorization method of claim 19, wherein said network is from the group consisting of a public network, a private network, a generic network, a global network, an internet, a satellite network, a wide area network a metropolitan area network, a local area network, an intranet, and combination thereof.

23. The wireless check authorization method of claim 19, wherein said handheld wireless device client is from the group consisting of a text message enabled cell phone, a web enabled cell phone, a personal digital assistant, a pager, and a mobile phone.

24. The wireless check authorization method of claim 19, wherein said handheld wireless device client is an off-the-shelf text message enabled cell phone.

25. The wireless check authorization method of claim 19, wherein said handheld wireless device client is an off-the-shelf web enabled cell phone.

26. The wireless check authorization method of claim 19, wherein said handheld wireless device client is an off-the-shelf pager.

27. The wireless check authorization method of claim 19, wherein said handheld wireless device client is an off-the-shelf personal digital assistant.

28. A wireless check authorization method, in which a server responsive to a handheld wireless device client operated by a check taker requests checking account authorization for a check written by a check writer having a checking account, the server interacting with a database having checking account status information and check taker account information, comprising the steps of:

a) said server determining from said database check taker account information if said check taker is registered to use said check authorization method and if said check taker has a check taker account that is up to date,

a1) if said check taker is not registered to use said check authorization method, informing said check taker to register to use said check authorization method and establish said check taker account,

a2) if said check taker is registered to use said check authorization method, said server determining from said database check taker account information if said check taker has said check taker account that is up to date,

a3) if said check taker is registered to use said check authorization method and if said check taker account is not up to date, informing said check taker to update said check taker account;

b) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date, said server determining from said database checking account information if said check writer issued at least one said check that has been unpaid,

b1) if said check writer issued said at least one check that has been unpaid, informing said check taker that said check is not authorized,

b2) if said check writer did not issue said at least one check that has been unpaid, informing said check taker that said check is authorized.

29. The wireless check authorization method of claim 28, wherein said server resides on said network.

30. The wireless check authorization method of claim 28, wherein said handheld wireless device client and said server communicate one with the other via a wireless service provider and a network interconnected one with the other, said server residing on said network.

31. The wireless check authorization method of claim 28, wherein said network is from the group consisting of a public network, a private network, a generic network, a global network, an internet, a satellite network, a wide area network a metropolitan area network, a local area network, an intranet, and combinations thereof.

32. The wireless check authorization method of claim 28, wherein said handheld wireless device client is from the group consisting of a test message enabled cell phone, a web enabled cell phone, a personal digital assistant, a pager, and a mobile phone.

33. The wireless check authorization method of claim 28, wherein said handheld wireless device client is an off-the-shelf text message enabled cell phone.

34. The wireless check authorization method of claim 28, wherein said handheld wireless device client is an off-the-shelf web enabled cell phone.

35. The wireless check authorization method of claim 28, wherein said handheld wireless device client is an off-the-shelf pager.

36. The wireless check authorization method of claim 28, wherein said handheld wireless device client is an off-the-shelf personal digital assistant.