Ronald N Comstock

20040044606, Mar 4, 2004

Mar 3, 2003

10/378283

Kelly Buttridge - Schenectady NY, US
Ronald Comstock - Central Bridge NY, US
Lawrence Friedman - Clifton Park NY, US
Michael Gulli - Gansevoort NY, US

G06F017/60

705/035000

A check processing technique at a point-of-sale uses a check in which a payor signs the check and indicia is automatically printed on the check indicating that the physical check is no longer negotiable. A system may include a point-of-sale terminal or cash register which is connected to a check imager, a MICR (magnetic ink character recognition) reader, and a printer. In one embodiment a method for enabling check processing includes receiving and storing a transaction amount, checking account information from the check, and an electronic image of the check having the payor's signature and indicia automatically printed on the check indicating that the physical check is no longer negotiable. The transaction amount and the checking account information may be forwarded for settlement.

20030033252, Feb 13, 2003

Aug 9, 2001

09/927065

Kelly Buttridge - Schenectady NY, US
Ronald Comstock - Central Bridge NY, US
Lawrence Friedman - Clifton Park NY, US
Michael Gulli - Gansevoort NY, US

G06F017/60

705/045000

A system is disclosed in which in one embodiment includes a point-of-sale terminal or cash register which is connected to a check imager, a MICR (magnetic ink character recognition) reader, biometric sensor, and a printer. The system integrates electronic check processing into retail operations such as items at a grocery checkout and allows customers to pay for goods or services with a blank check and without the need to without write out or sign the blank check. One embodiment of a method for check posting includes receiving and storing a transaction amount, checking account information from a blank check, an electronic image of a face of the blank check, and biometric information from an owner of the checking account such as an electronic image of a handwritten signature or fingerprint from an owner of the checking account. An electronic check posting transaction request may be generated from the transaction amount and the checking account information and forwarded for settlement.