Patent ID: 7185805
Filing Date: 2007-03-06
Classification: G06Q

Abstract:
1. A wireless check authorization method, in which a server responsive to a handheld wireless device client operated by a check taker requests checking account authorization for a check written by a check writer having a checking account, the server interacting with a database having checking account status information and check taker account information, comprising the steps of: a) said server determining from said database check taker account information if said check taker is registered to use said check authorization method and if said check taker has a check taker account that is up to date, b) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date, said server determining from said database checking account information if said check writer checking account is open, c) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, said server determining from said database checking account information if said check writer has written more than a specified number of checks in a specified time period, d) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, and said check writer has not written more than said specified number of checks in said specified time period, said server determining from said database checking account information if said check writer issued at least one said check that has been unpaid, e) if said check taker is registered to use said check authorization method and said check taker has an account that is up to date and said check writer checking account is open, and said check writer has not written more than said specified number of checks in said specified time period, and said check writer did not issue said at least one check that has been unpaid, said server determining from said database checking account information if said check writer checking account has a positive account balance,