Patent ID: 7191149
Filing Date: 2007-03-13
Classification: G06Q

Abstract:
1. A process for seeking authorization for present receipt of legal tender in a requested amount, comprising the steps of: receiving an input entered through a user interface of a computerized apparatus, said input to comprise a value for the requested amount; transmitting said input over a data transfer pathway to a remote processor; automatically determining, without manual intervention, whether authorization of the requested amount, or a lesser amount, is granted; said step of automatically determining comprises the step of analyzing, using said remote processor, said input to calculate a score; and if said score is less than a minimum value, denying said authorization; and if said authorization is so granted, reading indicia information on a post-dated draft item for a sum total equal to at least an authorized amount, and automatically providing, by outputting to a requestor while at said computerized apparatus without manual intervention, an article for use to effectuate the present receipt of the legal tender in said authorized amount.