The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 29, 2009
Filed:
Dec. 23, 2003
Leslie Michelassi, Seattle, WA (US);
Lisa C. Tidwell, Houston, TX (US);
Randy Templeton, Sugar Land, TX (US);
Sharat Shankar, Highlands Ranch, CO (US);
Leslie Michelassi, Seattle, WA (US);
Lisa C. Tidwell, Houston, TX (US);
Randy Templeton, Sugar Land, TX (US);
Sharat Shankar, Highlands Ranch, CO (US);
First Data Corporation, Greenwood Village, CO (US);
Abstract
Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented to a check-cashing entity in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful sources of reconcilement information are identified for querying in association with a proposed check-cashing transaction, a decision regarding how many of the sources to query and/or how long to continue to query may be based at least in part on factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity.