Patents by Inventor P. Darrell Royal

P. Darrell Royal 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).

  • Electronic check presentment system having a return item notification system incorporated therein
    Patent number: 5532464
    Abstract: An Improved Electronic Check Presentment System Having a Return Item Notification System Incorporated Therein provides banks with a fully automated capability to receive early notification of checks that it previously presented to a payor bank and that have subsequently been identified by the payor bank as return checks or unpaid items. Moreover, the Improved Electronic Check Presentment System allows those banks utilizing it to transmit return notifications to downstream correspondent banks and customers.
    Type: Grant
    Filed: April 25, 1995
    Date of Patent: July 2, 1996
    Assignee: J. D. Carreker & Associates, Inc.
    Inventors: Stanley M. Josephson, Michael F. Kopesec, P. Darrell Royal, Thomas S. Stephens, Mitchell D. Thompson
  • Electronic check presentment system having a return item notification system incorporated therein
    Patent number: 5412190
    Abstract: An Improved Electronic Check Presentment System Having a Return Item Notification System Incorporated Therein provides banks with a fully automated capability to receive early notification of checks that it previously presented to a payor bank and that have subsequently been identified by the payor bank as return checks or unpaid items. Moreover, the Improved Electronic Check Presentment System allows those banks utilizing it to transmit return notifications to downstream correspondent banks and customers.
    Type: Grant
    Filed: February 26, 1993
    Date of Patent: May 2, 1995
    Assignee: J. D. Carreker & Associates, Inc.
    Inventors: Stanley M. Josephson, Michael F. Kopesec, P. Darrell Royal, Thomas S. Stephens, Mitchell D. Thompson