US Patent No: 7,916,925

Number of patents in Portfolio can not be more than 2000

System and method for generating magnetic ink character recognition (MICR) testing documents

Stats

ALSO PUBLISHED AS: 20080193008
ATTORNEY / AGENT: (SPONSORED)
 

Importance

Loading Importance Indicators... loading....

Abstract

A system and method for accessing data to generate documents for use in MICR line testing. The system comprises a MICR testing station for testing MICR processing. The MICR testing station comprises a MICR line testing module for generating at least one MICR testing document for use in testing MICR processing. The MICR line testing module further comprises: (1) an application determination module for determining an application based on a bank selection provided by a tester, (2) a routing/transit number determination module for determining a routing/transit number based on the bank and the application determined, and (3) a tran code determination module for determining a tran code based on the routing/transit number determined; and at least one client station connected to the MICR testing station via a communications network, the at least one client station being used by at least one tester to provide particulars about at least one MICR line.

Loading the Abstract Image... loading....

First Claim

Related Publications

Loading Related Publications... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1855

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barry, Dennis C Gahanna, OH 2 21
Garvey, Danielle O Cardington, OH 2 21
Goodwin, Brenda Westerville, OH 3 21
Mount, Cheryl Westerville, OH 3 21
O'Brien, Linda M Lewis Center, OH 2 21
Pradhan, Akshay New Albany, OH 3 21
Radvanyi, Tammy Galena, OH 3 21
Tucker, Sheryl F Fort Worth, TX 2 21

Cited Art

Patent Info (Count) # Cites Year
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (11)
5,506,691 Method and apparatus for image processing at remote sites 157 1994
5,444,841 Graphical user interface control for replicating data fields in forms 87 1994
5,687,250 Image quality analysis method and apparatus 78 1995
6,240,444 Internet web page sharing 174 1996
6,041,312 Object oriented technology framework for accounts receivable and accounts payable 100 1997
6,278,981 Computer-implemented method and apparatus for portfolio compression 190 1998
6,535,896 Systems, methods and computer program products for tailoring web page content in hypertext markup language format for display within pervasive computing devices using extensible markup language tools 170 1999
6,493,685 Electronic account presentation and response system and method 236 1999
6,374,235 Method, system, and program for a join operation on a multi-column table and satellite tables including duplicate values 64 1999
2002/0111,837 Verification method for web-delivered materials using self-signed certificates 58 2001
2003/0097,335 Secure method and system for determining charges and assuring privacy 50 2001
 
JPMORGAN CHASE BANK, N.A. (10)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 203 1992
6,181,837 Electronic check image storage and retrieval system 135 1994
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 105 1995
5,940,844 Method and apparatus for displaying electronic image of a check 192 1995
6,006,208 MICR line decoding logic system 69 1998
6,227,447 Cardless payment system 304 1999
6,574,377 Electronic check image storage and retrieval system 126 1999
7,062,456 System and method for back office processing of banking transactions using electronic files 55 1999
2003/0208,421 Electronic check presentment system and method having an item sequence capability 72 2000
2003/0208,441 Electronic bill presentment and payment system and method 79 2001
 
NCR CORPORATION (7)
4,264,808 Method and apparatus for electronic image processing of documents for accounting purposes 323 1978
4,617,457 Teller-assisted, customer-operated ATM document cashing system 193 1983
5,770,843 Access card for multiple accounts 269 1996
5,835,603 Financial transaction system 119 1996
5,751,842 Document transaction apparatus 169 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 386 1998
6,825,940 Method of processing documents in an image-based document processing system and an apparatus therefor 40 1998
 
CITIBANK, N.A. (6)
5,659,165 Customer-directed, automated process for transferring funds between accounts via a communications network 239 1995
5,642,419 Method for acquiring and revalidating an electronic credential 220 1995
5,774,553 Foreign exchange transaction system 124 1996
6,088,686 System and method to performing on-line credit reviews and approvals 417 1996
6,081,790 System and method for secure presentment and payment over open networks 215 1998
6,098,053 System and method for performing an electronic financial transaction 376 1999
 
MICROSOFT CORPORATION (6)
5,852,812 Billing system for a network 442 1995
6,070,150 Electronic bill presentment and payment system 343 1996
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 277 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 548 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 449 1997
6,968,319 Electronic bill presentment and payment system with bill dispute capabilities 38 1999
 
VISA INTERNATIONAL SERVICE ASSOCIATION (6)
4,812,628 Transaction system with off-line risk assessment 317 1987
5,465,206 Electronic bill pay system 606 1993
5,703,344 Electronic funds confirmation at point of transaction 243 1995
5,621,201 Automated purchasing control system 315 1996
5,920,847 Electronic bill pay system 526 1996
5,963,925 Electronic statement presentment system 318 1997
 
CHASE MANHATTAN BANK, THE (5)
5,963,659 Method and apparatus for correcting erroneously decoded magnetic ink characters 77 1995
6,609,125 Funds transfer repair system 85 1999
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 303 2000
6,704,714 Virtual private lock box 148 2000
2002/0077,978 Method and system for processing internet payments 231 2001
 
ONTARIO SYSTEMS, LLC (4)
5,504,677 Automated payment system 238 1992
5,727,249 Automated payment system and method 196 1996
5,966,698 Automated payment system and method 162 1996
6,041,315 Automated payment system and method 169 1997
 
AT&T CORP. (3)
5,373,550 Transmission of check images by way of a public switched telephone network 213 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 148 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 173 1996
 
BMC RESOURCES, INC. (3)
5,652,786 Automated interactive bill payment system 209 1996
5,715,298 Automated interactive bill payment system using debit cards 157 1997
5,870,456 Automated interactive bill payment system using debit cards 173 1997
 
CARREKER CORPORATION (3)
5,237,159 Electronic check presentment system 238 1991
5,532,464 Electronic check presentment system having a return item notification system incorporated therein 124 1995
6,301,379 Electronic check presentment systems and methods employing volatile memory datastore access techniques 82 1997
 
CHECKFREE CORPORATION (3)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 259 1995
6,289,322 Electronic bill processing 266 1998
2004/0064,409 System and method for bill delivery and payment over a communications network 48 2003
 
DIGIMARC CORPORATION (3)
6,636,615 Methods and systems using multiple watermarks 135 1999
6,574,350 Digital watermarking employing both frail and robust watermarks 157 2000
2002/0170,966 Identification document including embedded data 104 2002
 
FUJITSU LIMITED (3)
5,321,238 Banking apparatus for processing the bill and the check 143 1991
6,003,762 Transaction terminal for an electronic cashless system 196 1994
6,411,942 Electronic transaction system and systems for issuing and examining electronic check 62 1996
 
HEWLETT-PACKARD COMPANY (3)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 252 1990
6,016,484 System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment 247 1996
6,061,665 System, method and article of manufacture for dynamic negotiation of a network payment framework 213 1997
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (3)
5,835,899 System and method for deriving financial responsibility identification 62 1996
5,832,463 Automated system and method for checkless check transaction 226 1996
2003/0110,442 Developing documents 44 2002
 
INTER*ACT SYSTEMS, INCORPORATED (3)
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 240 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 188 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 203 1995
 
MASTERCARD INTERNATIONAL INCORPORATED (3)
5,692,132 System and method for conducting cashless transactions on a computer network 435 1995
5,699,528 System and method for bill delivery and payment over a communications network 813 1995
7,146,344 Method and system for making small payments using a payment card 21 2002
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (3)
4,974,878 Financial data processing system using payment coupons 146 1988
4,948,174 Financial data processing system 219 1989
5,121,945 Financial data processing system 222 1990
 
SUN MICROSYSTEMS, INC. (3)
5,884,288 Method and system for electronic bill payment 281 1996
6,073,113 Compatibility checking between instruments, operations and protocols in electronic commerce 93 1998
6,418,420 Distributed budgeting and accounting system with secure token device access 86 1998
 
THE WESTERN UNION COMPANY (3)
5,350,906 Currency transfer system and method using fixed limit cards 383 1992
7,177,836 Method and system for facilitating financial transactions between consumers over the internet 98 1999
2003/0187,789 International negotiable instrument payment 74 2002
 
ACCENTURE GLOBAL SERVICES LIMITED (2)
5,592,378 Computerized order entry system and method 320 1994
6,629,081 Account settlement and financing in an e-commerce environment 258 1999
 
AMAZON.COM, INC. (2)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 423 1995
6,029,141 Internet-based customer referral system 809 1997
 
AT&T IPM CORP. (2)
5,479,494 Virtual calling card system 222 1992
5,708,422 Transaction authorization and alert system 335 1995
 
BANK OF AMERICA CORPORATION (2)
6,016,482 Enhanced collateralized funding processor 246 1996
6,128,602 Open-architecture system for real-time consolidation of information from multiple financial systems 245 1998
 
CANON KABUSHIKI KAISHA (2)
6,144,946 Accounting device, communicating apparatus, and communication system 125 1997
6,009,442 Computer-based document management system 226 1997
 
CAPITAL SECURITY SYSTEMS, INC. (2)
5,897,625 Automated document cashing system 273 1997
5,987,439 Automated banking system for making change on a card or user account 141 1997
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (2)
6,405,173 Decision management system providing qualitative account/customer assessment via point in time simulation 129 1999
6,415,259 Automatic work progress tracking and optimizing engine for a telecommunications customer care and billing system 152 1999
 
CHECKFREE SERVICES CORPORATION (2)
2002/0087,468 Electronic payment risk processing 95 2000
2002/0087,469 Technique of registration for and direction of electronic payments in real-time 86 2000
 
CISCO TECHNOLOGY, INC. (2)
6,578,000 Browser-based arrangement for developing voice enabled web applications using extensible markup language documents 98 2000
6,954,896 Browser-based arrangement for developing voice enabled web applications using extensible markup language documents 41 2003
 
DATATREASURY CORPORATION (2)
5,265,007 Central check clearing system 130 1989
5,930,778 System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the point of receipt 188 1996
 
DECISIONING.COM, INC. (2)
5,870,721 System and method for real time loan approval 494 1996
5,940,811 Closed loop financial transaction method and apparatus 365 1996
 
EBAY INC. (2)
5,832,460 Method and system for bill presentation and payment reconciliation 267 1995
6,035,281 System and method of multiparty billing for Web access 292 1997
 
ECOVA, INC. (2)
5,943,656 Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems 217 1997
6,035,285 Electronic bill presenting methods and bill consolidating methods 177 1999
 
FIRST DATA CORPORATION (2)
4,321,672 Financial data processing system 580 1979
6,490,568 Automated system and method for monitoring financial transactions 75 1999
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 160 1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data 198 1997
 
ONLINE RESOURCES CORPORATION (2)
5,220,501 Method and system for remote delivery of retail banking services 1133 1989
6,202,054 Method and system for remote delivery of retail banking services 297 1998
 
ORACLE INTERNATIONAL CORPORATION (2)
6,418,430 System for efficient content-based retrieval of images 107 1999
6,578,015 Methods, devices and systems for electronic bill presentment and payment 112 1999
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 284 1993
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 259 1996
 
SCIENCE DYNAMICS CORPORATION (2)
4,797,913 Direct telephone dial ordering service 179 1987
5,023,904 Direct telephone dial ordering service 188 1989
 
SHORE DEARY, L.L.P. (2)
5,910,988 Remote image capture with centralized processing and storage 334 1997
6,032,137 Remote image capture with centralized processing and storage 276 1998
 
SOLOMON RESEARCH LLC (2)
2002/0069,134 System, method and apparatus for aggregation of cooperative intelligent agents for procurement in a distributed network 74 2001
2003/0233,305 System, method and apparatus for information collaboration between intelligent agents in a distributed network 63 2001
 
SOVERAIN SOFTWARE LLC (2)
5,715,314 Network sales system 1007 1994
5,724,424 Digital active advertising 855 1995
 
TELECHECK INTERNATIONAL, INC. (2)
5,679,938 Methods and systems for interactive check authorizations 235 1994
5,679,940 Transaction system with on/off line risk assessment 285 1995
 
TTI INVENTIONS C LLC (2)
5,283,829 System and method for paying bills electronically 389 1992
6,138,118 Method and system for reconciling concurrent streams of transactions in a database 111 1998
 
UNISYS CORPORATION (2)
5,187,750 Archival document image processing and printing system 182 1991
5,349,170 Image-based document processing system providing enhanced transaction balancing 68 1993
 
VANTIV, LLC (2)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 342 1994
5,956,700 System and method for paying bills and other obligations including selective payor and payee controls 261 1997
 
WALKER DIGITAL, LLC (2)
6,338,049 User-generated traveler's checks 74 1997
5,945,653 System and method for establishing and executing functions to affect credit card accounts and transactions 214 1997
 
WANG SOFTWARE N.Y., INC. (2)
5,446,740 Method of and apparatus for processing data at a remote workstation 141 1993
5,568,489 Method and apparatus for processing data received at a remote workstation 142 1995
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (2)
5,870,725 High volume financial image media creation and display system and method 213 1995
6,105,011 Security system and method for business transactions with customers 151 1998
 
5TH MARKET, INC. (1)
6,418,419 Automated system for conditional order transactions in securities or other items in commerce 276 1999
 
ACS STATE & LOCAL SOLUTIONS, INC. (1)
6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 126 1998
 
ACTUARIAL ANALYTICS L.L.C. (1)
5,784,696 Methods and apparatus for evaluating portfolios based on investment risk 182 1995
 
ADAMS, VINER AND MOSLER, LTD. (1)
6,304,858 Method, system, and computer program product for trading interest rate swaps 235 1998
 
AFFILIATED COMPUTER SERVICES, INC. (1)
6,038,553 Self service method of and system for cashing checks 188 1997
 
APPAGE CORPORATION (1)
5,903,878 Method and apparatus for electronic commerce 279 1997
 
ARBITOR, INC. (1)
2002/0138,398 Automated bandwidth exchange node system 56 2001
 
ASPECT SOFTWARE, INC. (1)
5,640,577 Data processing system with automated at least partial forms completion 243 1995
 
AT&T BELL LABORATORIES (1)
5,311,594 Fraud protection for card transactions 258 1993
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
5,794,221 Internet billing method 291 1995
 
ATC REALTY FIFTEEN, INC. (1)
6,149,056 Automatic check cashing using biometric identification verification 191 1997
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 327 1997
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
6,125,354 System and method for generating an invoice to rebill charges to the elements of an organization 85 1998
 
BIG BABOON, INC. (1)
6,115,690 Integrated business-to-business Web commerce and business automation system 381 1997
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 232 1994
 
BOSTEC SYSTEMS, INC. (1)
5,080,748 Card assembly apparatus 136 1990
 
BURROUGHS PAYMENT SYSTEMS, INC. (1)
5,225,978 Document processing system having integrated expert module 128 1989
 
C.H.I. DEVELOPMENT MGMT. LTD. XVII, LLC (1)
6,035,287 Method and apparatus for bundled asset trading 309 1997
 
CAPITAL ONE FINANCIAL CORPORATION (1)
5,583,760 System for establishing and administering funded and post-funded charge accounts 90 1994
 
CAPITOL CITIES/ABC, INC. (1)
5,396,417 Product distribution equipment and method 139 1991
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 230 1998
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 323 1990
 
CASH BOX, INC. (1)
5,592,377 Check cashing system 173 1995
 
CASHEDGE, INC. (1)
2002/0091,635 Method and apparatus for managing transactions 118 2001
 
CATALINA MARKETING CORPORATION (1)
6,067,524 Method and system for automatically generating advisory information for pharmacy patients along with normally transmitted data 166 1999
 
CEDEL BANK (1)
5,802,499 Method and system for providing credit support to parties associated with derivative and other financial transactions 208 1995
 
CITICORP DEVELOPMENT CENTER, INC. (1)
5,825,003 Customer-directed, automated process for transferring funds between accounts using a holding account and local processing 99 1997
 
CLEARING HOUSE PAYMENTS COMPANY L.L.C., THE (1)
6,173,272 Electronic funds transfer method and system and bill presentment method and system 182 1998
 
COLLEGE SAVINGS BANK (1)
4,752,877 Method and apparatus for funding a future liability of uncertain cost 299 1986
 
CONEXANT SYSTEMS UK LIMITED (1)
6,111,858 Proxy-controlled ATM subnetwork 138 1997
 
CONNOTECH EXPERTS-CONSEILS, INC. (1)
5,590,196 Secure payment method using facsimile 174 1994
 
DIVERSITYPATENT, LLC (1)
5,819,238 Apparatus and accompanying methods for automatically modifying a financial portfolio through dynamic re-weighting based on a non-constant function of current capitalization weights 270 1996
 
DOUBLECREDIT.COM, INC. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 192 2000
 
DOWLEN, JOHN E. (1)
5,336,870 System for remote purchase payment transactions and remote bill payments 231 1992
 
DST SYSTEMS, INC. (1)
2003/0225,663 Open platform system and method 89 2003
 
DUOCASH, INC. (1)
2001/0047,334 System and method for using existing prepaid card systems for making payments over the internet 63 2001
 
ELECTRONIQUE SERGE DASSAULT (1)
4,992,646 Transaction system of the electronic purse type 125 1989
 
ENVOY LLC (1)
5,832,447 Automated system and method for providing real-time verification of health insurance eligibility 163 1994
 
EXECUTONE INTER-TELBUSINESS INFORMATION SYSTEMS, INC. (1)
5,793,861 Transaction processing system and method 226 1996
 
FBS CARD SERVICES, INC. (1)
5,910,896 Shipment transaction system and an arrangement thereof 154 1996
 
FINMECCANICA S.P.A. (1)
5,898,157 Automatic check reading device 61 1997
 
FIRST VIRTUAL HOLDINGS (1)
5,757,917 Computerized payment system for purchasing goods and services on the internet 643 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 805 1995
 
FOLIO(FN), INC. (1)
6,338,047 Method and system for investing in a group of investments that are selected based on the aggregated, individual preference of plural investors 135 1999
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 329 1997
 
GEMPLUS CARD INTERNATIONAL (1)
5,563,400 Multi-applications portable card for personal computer 164 1994
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (1)
5,402,474 System, data processing method and program to provide a programmable interface between a workstation and an archive server to automatically store telephone transaction information 179 1994
 
GHR SYSTEMS, INC. (1)
6,233,566 System, method and computer program product for online financial products trading 353 1999
 
GILBERT, JAMES A. (1)
2003/0018,557 Financial processing gateway structure 64 2002
 
GLOBAL EXPRESS MONEY ORDERS, INC. (1)
6,119,106 Method and apparatus for facilitating customer payments to creditors from a remote site 183 1997
 
GLORY KOGYO KABUSHIKI KAISHA (1)
5,544,043 Check processing equipment 149 1995
 
GOOGLE INC. (1)
5,513,250 Telephone based credit card protection 154 1994
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 126 2003
 
GRAPHIC PACKAGING INTERNATIONAL, INC. (1)
6,292,789 Method and system for bill presentment and payment 215 1998
 
GROUP 1 SOFTWARE, INC. (1)
6,078,907 Method and system for electronically presenting and paying bills 218 1998
 
HARTFORD FIRE INSURANCE COMPANY (1)
5,557,515 Computerized system and method for work management 236 1995
 
HIPERSOFT CORP. (1)
6,098,070 Case management for a personal injury plaintiff's law office using a relational database 162 1998
 
HITACHI, LTD. (1)
4,988,849 Financial transaction system 132 1988
 
HUNTINGTON NATIONAL BANK, THE (1)
5,583,759 Mechanism for expediting the deposit, transport and submission of checks into the payment system 150 1995
 
HYPION NETWORK SRVC, LLC (1)
6,058,381 Many-to-many payments system for network content materials 190 1997
 
INFORMATION RETRIEVAL CONSULTANTS (WORLDWIDE HOLDINGS) LIMITED (1)
6,052,674 Electronic invoicing and collection system and method with charity donations 134 1997
 
INTUIT INC. (1)
5,903,881 Personal online banking with integrated online statement and checkbook user interface 379 1997
 
IP-TPG HOLDCO S.A.R.L. (1)
5,572,004 Method for paying for services and/or goods and apparatus for carrying out the method 101 1995
 
J.D. CARREKER & ASSOCIATES, INC. (1)
5,819,236 System and method for providing advance notification of potential presentment returns due to account restrictions 117 1995
 
LEWIS, WOODSON (1)
2003/0105,641 Electronic ticketing and validation system and method 80 2000
 
LEXISNEXIS RISK SOLUTIONS GA INC. (1)
5,832,464 System and method for efficiently processing payments via check and electronic funds transfer 167 1996
 
LONGITUDE LLC (1)
6,321,212 Financial products having a demand-based, adjustable return, and trading exchange therefor 528 1999
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,748,780 Method and apparatus for imaging, image processing and data compression 171 1994
 
LUCENT TECHNOLOGIES INC. (1)
6,014,636 Point of sale method and system 245 1997
 
LYKES BROS., INC. (1)
5,666,493 System for managing customer orders and method of implementation 393 1993
 
MACROMARKETS LLC (1)
5,987,435 Proxy asset data processor 162 1997
 
MELLON BANK, N.A. (1)
6,058,380 System and method for electronically processing invoice information 116 1995
 
MIRROR IMAGING L.L.C. (1)
6,446,072 Method of obtaining an electronically-stored financial document 48 2000
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,544,046 Numerical control unit 72 1992
 
MONEYFAX, INC. (1)
5,122,950 Method of and system for electronic funds transfer via facsimile machines 119 1989
 
MOPEX, INC. (1)
6,088,685 Open end mutual fund securitization process 231 1998
 
MORGAN STANLEY (1)
6,393,409 Computer method and apparatus for optimizing portfolios of multiple participants 144 1997
 
MORGAN STANLEY DEAN WITTER (1)
6,092,056 Data processing system and method for financial debt instruments 269 1999
 
MORGAN STANLEY DEAN WITTER & CO. (1)
2002/0198,817 Method and apparatus for trading assets, capital, and information 58 2002
 
MOUNT HAMILTON PARTNERS, LLC (1)
5,826,245 Providing verification information for a transaction 320 1995
 
NEXTCARD, LLC (1)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 245 1998
 
NIT DATA CORPORATION (1)
6,185,544 Processing system for charge request data 55 1997
 
OCE PRINTING SYSTEMS GMBH (1)
7,742,178 Method, device system and computer program system for processing document data 2 2002
 
OLYMPUS OPTICAL CO., LTD. (1)
5,551,021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 190 1994
 
OMRON TATEISI ELECTRONICS CO. (1)
4,396,985 Electronic cash register system for food dispensing business 144 1981
 
OPEN INVENTION NETWORK, LLC (1)
6,236,972 Method and apparatus for facilitating transactions on a commercial network system 289 1998
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 91 2001
 
PAXAR AMERICAS, INC. (1)
5,315,508 Label generating and data tracking system for processing purchase orders 144 1992
 
PAYPAL INTERNATIONAL LIMITED (1)
6,205,433 System and method for multi-currency transactions 137 1998
 
PAYPAL, INC. (1)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 642 1994
 
PHOENIX LICENSING, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 251 1997
 
PRICELINE.COM INCORPORATED (1)
6,108,639 Conditional purchase offer (CPO) management system for collectibles 210 1997
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 239 1992
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 134 2002
 
RESOURCE TECHNOLOGY SERVICES, INC. (1)
5,484,988 Checkwriting point of sale system 218 1994
 
RESPONSE REWARDS SYSTEMS, L.C. (1)
5,508,731 Generation of enlarged participatory broadcast audience 222 1993
 
SANSHO SEIYAKU CO., LTD. (1)
5,599,528 Preparation for epidermis 65 1994
 
SECURUS TECHNOLOGIES HOLDINGS, INC. (1)
2002/0194,096 Optimizing profitability in business transactions 70 2002
 
SEIKO EPSON CORPORATION (1)
6,064,764 Fragile watermarks for detecting tampering in images 236 1998
 
SEMEL OY (1)
2002/0072,976 Device and method for buying an item in a vending machine 47 2001
 
SIGMA COMPUTER RESEARCH ASSOCIATES INC. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 333 1988
 
SILICON VALLEY MICRO C CORPORATION (1)
2005/0177,480 Intelligent billing system 46 2004
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
5,412,190 Electronic check presentment system having a return item notification system incorporated therein 148 1993
 
SOLITRON DEVICES, INC. (1)
4,931,793 System for providing a warning when vehicles approach a common collision point 98 1988
 
SQN (1)
5,444,794 Check image capture system 177 1993
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 326 1993
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1423 1986
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 211 1985
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 188 1998
 
SYBASE, INC. (1)
5,566,330 Method for forming a reusable and modifiable database interface object 219 1995
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
2002/0052,842 Initiation of an electronic payment transaction 70 2001
 
TEXTWISE LLC (1)
6,026,388 User interface and other enhancements for natural language information retrieval system and method 471 1996
 
TILLICOMB INTERNATIONAL LDC (1)
5,367,581 Magnetic reader with read head biased against document by resilient deflection of circuit board 77 1993
 
TOSTECKI BROS. L.L.C. (1)
6,070,798 Purchaser generated transaction recording and negotiable instrument payment system 208 1997
 
TRADECARD, INC. (1)
5,717,989 Full service trade system 484 1994
 
TRW FINANCIAL SYSTEMS, INC. (1)
4,205,780 Document processing system and method 329 1978
 
UNITED PAN-EUROPE COMMUNICATIONS N.V. (1)
2002/0199,182 Method and apparatus providing convergent solution to end-to end, adaptive business application management 77 2001
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 697 1995
 
VALLEY NATIONAL BANK, PHOENIX, AZ A CORP. OF AZ (1)
5,198,975 Apparatus and method for processing of check batches in banking operations 88 1989
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 346 1995
 
VAN REMORTAL, FRED (1)
5,136,502 System for funding, analyzing and managing health care liabilities 134 1991
 
VISAINTERNATIONAL SERVICE ASSOCIATION (1)
6,032,133 Electronic bill pay system 282 1995
 
WALENBRECK GMBH, LLC (1)
6,088,683 Secure purchase transaction method using telephone number 247 1996
 
WATSON; CRAIG MICHAEL (1)
5,978,780 Integrated bill consolidation, payment aggregation, and settlement system 273 1997
 
WYNN; SOL H. (1)
5,859,419 Programmable multiple company credit card system 333 1995
 
XCELLINK CORPORATION (1)
7,024,385 Automatic electronic funds transfer system and method 11 1997
 
XEROX CORPORATION (1)
6,970,259 Systems and methods for forgery detection and deterrence of printed documents 69 2000
 
YT ACQUISITION CORPORATION (1)
5,870,723 Tokenless biometric transaction authorization method and system 277 1996
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (25)
4,495,018 Process for producing a reinforced tube 64 1983
4,700,055 Multiple credit card system 262 1985
4,823,264 Electronic funds transfer system 478 1986
5,053,607 Point-of-sale device particularly adapted for processing checks 283 1989
5,111,395 Automated fund collection system including means to eliminate duplicate entries from a mailing list 114 1989
5,432,506 Counterfeit document detection system 86 1992
5,326,959 Automated customer initiated entry remittance processing system 320 1992
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 248 1994
5,477,040 Structure for a method of facilitating charge transactions 197 1994
6,073,104 System for invoice record management and asset-backed commercial paper program management 145 1994
5,802,498 Computer-aided prepaid transmittal charge billing system 149 1996
6,110,044 Method and apparatus for issuing and automatically validating gaming machine payout tickets 133 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 185 1997
6,129,273 Method and apparatus for an automated, computer approved, check cashing system 112 1998
6,721,715 Method and apparatus for localizing currency valuation independent of the original and objective currencies 111 1998
5,987,436 Obligated investment system 95 1999
6,464,134 System and method for verifying the authenticity of a check and authorizing payment thereof 69 1999
2001/0032,139 Cybermoney network; a seamless internet commercial and investment bank account connectivity interface for payment and settlement of goods and services purchased via the internet 43 2000
2002/0107,770 System for allocating funds in a plurality of stock portfolios 70 2000
2002/0023,055 System and method for digital bill presentment and payment 129 2001
2002/0013,728 Universal transaction manager agent, systems and methods 114 2001
2003/0046,218 System and method for protecting positions in volatile markets 88 2001
2002/0055,907 Electronic payment system and method 42 2001
2003/0191,710 Invoice purchase order system 46 2003
2005/0033,690 System and method for digital bill presentment and payment 83 2004

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (1)
8,121,385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Sep 29, 2014
7.5 Year Payment $3600.00 $1800.00 $900.00 Sep 29, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Sep 29, 2022
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00