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:
Aug. 24, 2010
Filed:
Dec. 09, 2003
Lisa C. Tidwell, Houston, TX (US);
Amy L. Swift, Frisco, TX (US);
Cassandra Mollett, Houston, TX (US);
Mark Wallin, Sugar Land, TX (US);
Lance D. Pate, Victoria, TX (US);
Charles R. Williams, Pearland, TX (US);
Lisa C. Tidwell, Houston, TX (US);
Amy L. Swift, Frisco, TX (US);
Cassandra Mollett, Houston, TX (US);
Mark Wallin, Sugar Land, TX (US);
Lance D. Pate, Victoria, TX (US);
Charles R. Williams, Pearland, TX (US);
First Data Corporation, Greenwood Village, CO (US);
Abstract
Systems and methods are described for building, maintaining, and using a repository of information about payors of second-party checks presented at a check-cashing entity for cashing. In various embodiments, the repository comprises stored information useful for determining the location of a payor of a second-party check. In one embodiment, information from the check that identifies an account on which the check is drawn, such as magnetic ink character recognition (MICR) line information from a paycheck, is used to access a repository of employer location information. In one embodiment, the payor location information is used to determine a proximity between the payor location and the check cashing entity location. In one embodiment, when a check is presented for which stored payor location information is not available, identifying information about the payor and/or the payor location is requested and is added to the repository.