Patents by Inventor Dennis J. Cummings

Dennis J. Cummings has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Method and system for verification of checks at a point of sale
    Patent number: 6757664
    Abstract: A method for providing information concerning the availability of funds to cover a check proffered at a point of sale. In one embodiment, the method comprises capturing at the point of sale check transaction information on a bank account from which the check is drawn and transmitting the information to a funds checking computer, receiving at the funds checking computer account information on the bank account from which the check is drawn, the account information having been provided by a bank holding the bank account, determining at the funds checking computer the availability of funds in the bank account to cover the check proffered at the point of sale, and providing to the point of sale a funds availability status message.
    Type: Grant
    Filed: March 2, 1999
    Date of Patent: June 29, 2004
    Assignee: Arbitrage Arbitrageur LLC
    Inventors: Robert J. Cardinal, Dennis J. Cummings, Leonard A. Norum, Donald D. Lehr, Lois A. Palmer, Vernon L. Landrum, by LeAndra Lane Landrum, by Georgina L. Landrum, by Jaeme Ilisha Gadley