Michael Paul Clouthier
Engineers at Briarwood, Littleton, CO
License number
Colorado 52868
Issued Date
Jun 28, 1985
Renew Date
Jun 28, 1985
Type
Engineer Intern
Address
Address
1832 W Briarwood Ave W. Briarwood, Littleton, CO 80120
Professional information
Personal Check Acceptance Systems And Methods
US Patent:
2009017, Jul 2, 2009
Filed:
Dec 28, 2007
Appl. No.:
11/966238
Inventors:
Michael Clouthier - Highlands Ranch CO, US
Daniel Ahles - Houston TX, US
Daniel Ahles - Houston TX, US
Assignee:
First Data Corporation - Greenwood Village CO
International Classification:
G06Q 20/00, G06Q 30/00
US Classification:
705 17, 705 35, 705 44
Abstract:
Tools for facilitating the acceptance of personal checks and other presentation instruments. The tools, in some aspects, allow for preauthorization of a personal check (or other presentation instrument) prior to the merchant receiving the actual check, allowing a merchant, for example, to accept an order by phone, obtain details about the check that will be used to pay for the order, obtain preauthorization to accept the check, and arrange for delivery of the order. Upon delivering the order, the merchant can receive the check, and then obtain a full authorization to accept the check. The full authorization can be based primarily on the preauthorization, giving the merchant assurance that the check will in fact be authorized. In some cases, the tools of the invention also settle the check; in a particular aspect, the check can be settled without requiring the merchant to deposit the check.