Patents by Inventor Cheryl Phillips

Cheryl Phillips 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).

  • Patent number: 7959069
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Grant
    Filed: November 7, 2007
    Date of Patent: June 14, 2011
    Assignee: First Data Corporation
    Inventors: Cheryl Phillips, David Smith
  • Patent number: 7731087
    Abstract: Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.
    Type: Grant
    Filed: September 30, 2003
    Date of Patent: June 8, 2010
    Assignee: First Data Corporation
    Inventors: Kerry Sellen, Cheryl Phillips
  • Patent number: 7631801
    Abstract: Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.
    Type: Grant
    Filed: September 30, 2003
    Date of Patent: December 15, 2009
    Assignee: First Data Corporation
    Inventors: Kerry Sellen, Cheryl Phillips
  • Publication number: 20090171800
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Application
    Filed: March 9, 2009
    Publication date: July 2, 2009
    Applicant: FIRST DATA CORPORATION
    Inventors: Cheryl Phillips, David Smith
  • Patent number: 7520420
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Grant
    Filed: October 27, 2003
    Date of Patent: April 21, 2009
    Assignee: First Data Corporation
    Inventors: Cheryl Phillips, David Smith
  • Patent number: 7455220
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Grant
    Filed: April 10, 2006
    Date of Patent: November 25, 2008
    Assignee: First Data Corporation
    Inventors: Cheryl Phillips, David Smith
  • Publication number: 20080142584
    Abstract: Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.
    Type: Application
    Filed: February 4, 2008
    Publication date: June 19, 2008
    Inventors: Kerry Sellen, Cheryl Phillips
  • Publication number: 20080059347
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Application
    Filed: November 7, 2007
    Publication date: March 6, 2008
    Applicant: First Data Corporation
    Inventors: Cheryl Phillips, David Smith
  • Patent number: 7331514
    Abstract: Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.
    Type: Grant
    Filed: August 8, 2006
    Date of Patent: February 19, 2008
    Assignee: First Data Corporation
    Inventors: Kerry Sellen, Cheryl Phillips
  • Patent number: 7299979
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Grant
    Filed: May 5, 2006
    Date of Patent: November 27, 2007
    Assignee: First Data Corporation
    Inventors: Cheryl Phillips, David Smith
  • Publication number: 20060266819
    Abstract: Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.
    Type: Application
    Filed: August 8, 2006
    Publication date: November 30, 2006
    Inventors: Kerry Sellen, Cheryl Phillips
  • Patent number: 7118030
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Grant
    Filed: October 27, 2003
    Date of Patent: October 10, 2006
    Assignee: First Data Corporation
    Inventors: Cheryl Phillips, David Smith
  • Patent number: 7108174
    Abstract: Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service configured to detect and process corporate checks. In one embodiment, the detection of the corporate check is achieved at the front end device by reading of an auxiliary on-us field in the check's magnetic ink character recognition (MICR) line. Such information denoting the check as a corporate check is used by the check processing service to at least partially base its assessment of whether to approve and process the corporate check electronically.
    Type: Grant
    Filed: September 30, 2003
    Date of Patent: September 19, 2006
    Assignee: First Data Corporation
    Inventors: Kerry Sellen, Cheryl Phillips
  • Publication number: 20060202024
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Application
    Filed: May 5, 2006
    Publication date: September 14, 2006
    Inventors: Cheryl Phillips, David Smith
  • Publication number: 20060180657
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Application
    Filed: April 10, 2006
    Publication date: August 17, 2006
    Inventors: Cheryl Phillips, David Smith
  • Patent number: 7070092
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Grant
    Filed: October 27, 2003
    Date of Patent: July 4, 2006
    Assignee: First Data Corporation
    Inventors: Cheryl Phillips, David Smith
  • Publication number: 20050137979
    Abstract: A verification system for electronic redeposit of paper checks determines with a merchant terminal whether a paper check meets criteria for electronic redeposit. In an embodiment of the invention, the electronic redeposit verification system verifies with a terminal that the amount of the check is less than a predetermined threshold. In a further embodiment of the invention, the National Automated Clearing House Association (NACHA) establishes the criteria.
    Type: Application
    Filed: December 22, 2003
    Publication date: June 23, 2005
    Inventors: James Rekeweg, Cheryl Phillips, David Smith
  • Publication number: 20050133586
    Abstract: A verification system for electronic redeposit of paper checks determines with a merchant terminal whether a paper check meets criteria for electronic redeposit. In an embodiment of the invention, the electronic redeposit verification system verifies with a terminal that the age of the check is less than a predetermined threshold. In a further embodiment of the invention, the National Automated Clearing House Association (NACHA) establishes the threshold.
    Type: Application
    Filed: December 22, 2003
    Publication date: June 23, 2005
    Inventors: James Rekeweg, Cheryl Phillips, David Smith
  • Publication number: 20050091163
    Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include-improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.
    Type: Application
    Filed: October 27, 2003
    Publication date: April 28, 2005
    Inventors: Cheryl Phillips, David Smith
  • Patent number: D519562
    Type: Grant
    Filed: November 26, 2004
    Date of Patent: April 25, 2006
    Inventors: Cheryl Phillips, Gary Phillips