Cheryl A Phillips

US Patent:

7108174, Sep 19, 2006

Filed:

Sep 30, 2003

Appl. No.:

10/674801

Inventors:

Kerry Sellen - Kemah TX, US
Cheryl Phillips - Maple Shade NJ, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00
G07D 11/00
G07F 19/00

US Classification:

235379, 235380, 235449, 705 45

Abstract:

Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.

US Patent:

7331514, Feb 19, 2008

Filed:

Aug 8, 2006

Appl. No.:

11/500541

Inventors:

Kerry Sellen - Kemah TX, US
Cheryl Phillips - Maple Shade NJ, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00
G07D 11/00
G07F 19/00

US Classification:

235379, 235380, 235449, 705 45

Abstract:

Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.

US Patent:

7631801, Dec 15, 2009

Filed:

Sep 30, 2003

Appl. No.:

10/675590

Inventors:

Kerry Sellen - Kemah TX, US
Cheryl Phillips - Maple Shade NJ, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G07F 19/00

US Classification:

235379, 235380, 705 38

Abstract:

Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.

US Patent:

7731087, Jun 8, 2010

Filed:

Sep 30, 2003

Appl. No.:

10/675914

Inventors:

Kerry Sellen - Kemah TX, US
Cheryl Phillips - Maple Shade NJ, US

Assignee:

First Data Corporation - Englewood CO

International Classification:

G06K 15/00

US Classification:

235383, 235379, 705 45

Abstract:

Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.

US Patent:

20050080738, Apr 14, 2005

Filed:

Sep 30, 2003

Appl. No.:

10/674800

Inventors:

Kerry Sellen - Kemah TX, US
Cheryl Phillips - Maple Shade NJ, US

International Classification:

G06F017/60

US Classification:

705042000, 705038000

Abstract:

Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.

US Patent:

20050133586, Jun 23, 2005

Filed:

Dec 22, 2003

Appl. No.:

10/744459

Inventors:

James Rekeweg - Houston TX, US
Cheryl Phillips - Maple Shade NJ, US
David Smith - Sugar Land TX, US

International Classification:

G06F017/60

US Classification:

235379000

Abstract:

A verification system for electronic redeposit of paper checks determines with a merchant terminal whether a paper check meets criteria for electronic redeposit. In an embodiment of the invention, the electronic redeposit verification system verifies with a terminal that the age of the check is less than a predetermined threshold. In a further embodiment of the invention, the National Automated Clearing House Association (NACHA) establishes the threshold.

US Patent:

20050137979, Jun 23, 2005

Filed:

Dec 22, 2003

Appl. No.:

10/744213

Inventors:

James Rekeweg - Houston TX, US
Cheryl Phillips - Maple Shade NJ, US
David Smith - Sugar Land TX, US

International Classification:

G06F017/60

US Classification:

705042000, 705025000

Abstract:

A verification system for electronic redeposit of paper checks determines with a merchant terminal whether a paper check meets criteria for electronic redeposit. In an embodiment of the invention, the electronic redeposit verification system verifies with a terminal that the amount of the check is less than a predetermined threshold. In a further embodiment of the invention, the National Automated Clearing House Association (NACHA) establishes the criteria.

US Patent:

20080142584, Jun 19, 2008

Filed:

Feb 4, 2008

Appl. No.:

12/025599

Inventors:

Kerry Sellen - Kemah TX, US
Cheryl Phillips - Maple Shade NJ, US

International Classification:

G06Q 40/00
G06Q 90/00

US Classification:

235379

Abstract:

Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.