Patents by Inventor Alan P. Roman

Alan P. Roman 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).

  • SYSTEMS AND METHODS FOR ROUTING A CHECK TRANSACTION OVER A DEBIT CARD NETWORK
    Publication number: 20190259011
    Abstract: Systems and methods for real-time check authorization and clearing are provided. In one aspect, a method is provided for processing a payment transaction using a check and an input device at a point of sale (POS). The method includes electronically capturing at the input device information from the check used in the payment transaction. The method also includes converting the check transaction to a debit transaction, transmitting data associated with the debit transaction to a transaction processor, and processing the debit transaction data to generate one of an authorization for the debit transaction and a denial for the debit transaction.
    Type: Application
    Filed: May 3, 2019
    Publication date: August 22, 2019
    Inventor: Alan P. Roman
  • SYSTEMS AND METHODS FOR PROCESSING A PAYMENT TRANSACTION
    Publication number: 20090171825
    Abstract: Systems and methods for real-time check authorization and clearing are provided. In one aspect, a method is provided for processing a payment transaction using a check and an input device at a point of sale (POS). The method includes electronically capturing at the input device information from the check used in the payment transaction. The method also includes converting the check transaction to a debit transaction, transmitting data associated with the debit transaction to a transaction processor, and processing the debit transaction data to generate one of an authorization for the debit transaction and a denial for the debit transaction.
    Type: Application
    Filed: December 27, 2007
    Publication date: July 2, 2009
    Inventor: Alan P. Roman