Patents by Inventor Joseph M. Rowell

Joseph M. Rowell 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).

  • Image exchange without full MICR qualification
    Patent number: 8573478
    Abstract: A system and related methods of correcting errors during check or financial document processing by a bank of first deposit or other entity receiving a paper check or financial document, or by a second bank on whose accounts the checks were written. These corrections can be performed by the computer system of the bank of first deposit, the computer system of the second bank, or both. MICR or other data may be sent in electronic format from the bank of first deposit or other entity without qualification.
    Type: Grant
    Filed: July 19, 2010
    Date of Patent: November 5, 2013
    Inventors: Joseph L. Richardson, Joseph M. Rowell
  • IMAGE EXCHANGE WITHOUT FULL MICR QUALIFICATION
    Publication number: 20100281300
    Abstract: A system and related methods of correcting errors during check or financial document processing by a bank of first deposit or other entity receiving a paper check or financial document, or by a second bank on whose accounts the checks were written. These corrections can be performed by the computer system of the bank of first deposit, the computer system of the second bank, or both. MICR or other data may be sent in electronic format from the bank of first deposit or other entity without qualification.
    Type: Application
    Filed: July 19, 2010
    Publication date: November 4, 2010
    Inventors: Joseph L. Richardson, Joseph M. Rowell
  • Image exchange without full MICR qualification
    Patent number: 7757938
    Abstract: A system and related methods of correcting errors during check or financial document processing by a bank of first deposit or other entity receiving a paper check or financial document, or by a second bank on whose accounts the checks were written. These corrections can be performed by the computer system of the bank of first deposit, the computer system of the second bank, or both. MICR data may be sent in electronic format from the bank of first deposit or other entity without qualification.
    Type: Grant
    Filed: May 2, 2006
    Date of Patent: July 20, 2010
    Assignee: DIGICOR LLC
    Inventors: Joseph L. Richardson, Joseph M. Rowell