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:
Jun. 28, 2011
Filed:
Oct. 31, 2005
Renee Epple, Chester, NY (US);
Will C. Frampton, Scottsdale, AZ (US);
Liz A. Fuller, Phoenix, AZ (US);
Andrew M. Grogger, Scottsdale, AZ (US);
Marcel Leyva, Chandler, AZ (US);
Joya A. Mukherjee, New York, NY (US);
Sally L. Niblock, Phoenix, AZ (US);
Martin J. Preciado, Warwick, NY (US);
Renee Epple, Chester, NY (US);
Will C. Frampton, Scottsdale, AZ (US);
Liz A. Fuller, Phoenix, AZ (US);
Andrew M. Grogger, Scottsdale, AZ (US);
Marcel Leyva, Chandler, AZ (US);
Joya A. Mukherjee, New York, NY (US);
Sally L. Niblock, Phoenix, AZ (US);
Martin J. Preciado, Warwick, NY (US);
American Express Travel Related Services Company, Inc., New York, NY (US);
Abstract
A financial institution may use the bank routing and account number information (ABA/DDA) of a checking account or the like, obtained from paper checks previously submitted by a customer, in an electronic payment program. When a customer who has previously paid a credit balance by check, for example, wants to enroll in the electronic payment program, an abbreviated enrollment process is provided in which the consumer only enters a portion of bank routing information, instead of having to enter the full ABA/DDA as in the standard enrollment procedure. In some cases, the customer may leave such information blank and needs only to confirm that the stored bank account information corresponds to the account being used for the electronic payment.