United States Patent [19] [ill Patent Number: 5,430,644
Deaton et al. [45] Date of Patent: Jul. 4, 1995
[54] CHECK TRANSACTION PROCESSING,
DATABASE BUILDING AND MARKETING
METHOD AND SYSTEM UTILIZING
AUTOMATIC CHECK READING
[75] Inventors: David W. Deaton; Rodney G. Gabriel, both of Abilene, Tex.
[73] Assignee: Credit Verification Corporation, Abilene, Tex.
[21] Appl. No.: 336,880
[22] Filed: Nov. 9,1994
Related U.S. Application Data
[63] Continuation of Ser. No. 221,622, Mar. 30,1994, which is a continuation of Ser. No. 886,382, May 19, 1992, Pat. No. 5,305,196, which is a continuation-in-part of Ser. No. 826,255, Jan. 24, 1992, abandoned, which is a continuation of Ser. No. 345,475, May 1, 1989, abandoned.
[51] Int. CI.* G06F 19/00
[52] U.S. CI 364/401
[58] Field of Search 364/401, 405; 235/375,
235/385; 283/51, 56; 395/925
[56] References Cited
U.S. PATENT DOCUMENTS
Re. 30,579 4/1981 Goldman et al 340/149 R
Re. 30,580 4/1981 Goldman et al 340/149 R
2,995,727 8/1961 Quade 340/149
3,316,536 4/1967 Andrews et al 340/146.3
3,465,289 9/1969 Klein 340/149
3,528,058 9/1970 Bond 340/146.3
3,535,682 10/1970 Dykaar et al 340/146.3
3,576,539 4/1971 Huber 340/152
3,605,092 9/1971 Richard 340/146.3
3,629,829 12/1971 Ordower 340/146.3
3,786,421 1/1974 Wostl et al 340/149
3,833,885 9/1974 Gentile et al 340/152
3,876,981 4/1975 Welch 340/146.3
3,914,789 10/1975 Coker, Jr. et al 360/2
3,941,977 3/1976 Voss et al 235/61.7
3,949,363 4/1976 Holm 340/146.3 D
3,959,624 5/1976 Kaslow 235/61.11 E
3,987,411 10/1976 Kruklitis et al 340/146.3
4,015,701 4/1977 Templeton 197/127
4,027,142 5/1977 Paup et al 235/61.9
4,053,735 10/1977 Fondos 235/61.9
4,053,737 10/1977 Lafevers et al 235/61.11
4,063,070 12/1977 Delarue et al 235/474
4,087,789 5/1978 Beery 340/146.3
4,088,879 5/1978 Banka et al 235/449
4,107,653 8/1978 Kruklitis 340/146.3
(List continued on next page.)
FOREIGN PATENT DOCUMENTS
52-16941 8/1977 Japan .
55- 47560 4/1980 Japan .
56- 27468 3/1981 Japan .
58-155475 9/1983 Japan .
58- 178475 10/1983 Japan .
59-94166 5/1984 Japan .
59- 184965 10/1984 Japan .
OTHER PUBLICATIONS
Lena H. Sun, "Checking Out The Customer", The
Washington Post, Sunday, Jul. 9, 1989.
"Front End Electronic Marketing Frequent Shopper &
Other Programs" Food Marketing Institute, 1991, Car-
lene A. Thissen.
"Perspectives on Electronic Marketing with Emphasis
on Promotion Inside Supermarkets", Food Marketing
Institute, 1990, .Carlene A. Thissen.
"What's New in Supermarket Promotion", New York
Times, Jun. 18, 1989, Lynette D. Hazelton.
"In this Computer Age, Who Needs Coupons", New
York Times, Jun. 15, 1989, Michael Freitag.
Progressive Grocer, vol. 66, No. 5, May 1987, pp.
133-134, 136, Ronald Tanner.
Primary Examiner—Donald E. McElheny, Jr.
Attorney, Agent, or Firm—Baker & Botts
[57] ABSTRACT
The present invention includes automatic check reading techniques which enables the detection of a customer's checking account number on a check, regardless of the bank, bank branch or type of account. The customer identification code is automatically used to provide check verification as well as to provide various targeted marketing techniques based upon the customer's prior transactional history with the store.
22 Claims, 35 Drawing Sheets
4,109,238 8/1978 Creekmore 340/149 A
4,124,109 11/1978 Bissell et al 194/4 R
4,127,770 11/1978 Baader 235/474
4.143.355 3/1979 Maclntyre 340/146.3
4.143.356 3/1979 Nally 340/146.3
4,148,010 4/1979 Shiau 340/146.3
4,176,783 12/1979 Eppich 235/474
4,201,978 5/1980 Nally 340/146.3 C
4,208,575 6/1980 Haltof 235/380
4.245.211 1/1981 Kao 340/146.3
4,260,880 4/1981 Thomas 235/454
4,277,689 7/1981 Thomas et al 250/567
4,332,325 6/1982 Manizza 206/216
4,356,472 10/1982 Ku et al 340/146.3
4,380,734 4/1983 Allerton ... 324/225
4,381,494 4/1983 Wisner 382/64
4,396,902 8/1983 Warthan et al 382/64
4,399,553 4/1983 Toyama 382/7
4,404,649 9/1983 Nunley et al 364/900
4,439,670 3/1984 Sasset et al 235/382
4,441,204 4/1984 Hanna 382/7
4,453,074 6/1984 Weinstein 235/380
4,510,615 4/1985 Rohrer 382/7
4,523,330 6/1985 Cain 382/7
4,547,780 10/1985 Cummins 346/9
4,547,899 10/1985 Nally et al 382/7
4,554,446 11/1985 Murphy et al 235/487
4,617,457 10/1986 Granzow et al 235/379
4,628,194 12/1986 Dobbins et al 235/379
4,670,853 6/1987 Stepien 364/70
4,672,377 1/1987 Murphy et al 340/825.34
4,672,572 6/1987 Alsberg 364/900
4,674,041 6/1987 Lemon et al 364/401
4,674,802 6/1987 Ohmae et al 235/379
4,676,343 6/1987 Humble et al 186/61
4,678,895 7/1987 Tateisi et al 235/379
4,703,423 10/1987 Bado et al 364/400
4,722,054 1/1988 Yorozu et al 364/401
4.723.212 2/1988 Mindrum et al 364/401
4,727,243 2/1988 Savar 235/379
4,748,668 5/1988 Shamir et al 380/30
4,748,673 5/1988 Barre et al 382/7
4,750,119 6/1988 Cohen et al 364/401
4,776,021 10/1988 Ho 382/7
4,791,281 12/1988 Johnsen et al 235/383
4,797,938 1/1989 Will 382/7
4,799,156 1/1989 Savit et al 364/401
4,809,351 2/1989 Abramovitz et al '. 382/59
4,810,866 3/1989 Lord, Jr 235/379
4,812,628 3/1989 Boston et al 235/380
4,821,186 4/1989 Munakata et al 364/405
4,825,045 4/1989 Humble 235/383
4,833,308 5/1989 Humble 235/383
4,882,675 11/1989 Nichtberger et al 364/401
4,885,685 12/1989 Wolfberg et al 364/401
4,887,207 12/1989 Natarajan 364/401
4,891,503 1/1990 Jewell 235/380
4,897,880 1/1990 Wilber et al 382/13
4,908,761 3/1990 Tai 364/401
4,910,672 3/1990 Offetal 364/405
4,933,536 6/1990 Lindemann et al 235/375
4,941,090 7/1990 McCarthy 364/405
4,949,256 8/1990 Humble '. 364/401
4,975,841 12/1990 Kehnemyi et al 364/401
4,982,346 1/1991 Girouard et al 364/550
5,008,518 4/1991 Taussig et al 235/383
5,010,485 4/1991 Bigari 364/408
5,014,324 5/1991 Mazumder 382/7
5,025,372 6/1991 Burton et al 364/406
5,040,226 8/1991 Elischer et al 382/7
5,053,607 10/1991 Carlson et al 235/379
5,053,955 10/1991 Peach et al 364/401
5,054,092 10/1991 LaCaze 382/11
5,056,019 10/1991 Schultz et al 364/405
5,070,452 12/1991 Doyle, Jr. et al 364/401
5,077,805 12/1991 Tan 382/7
5,091,634 2/1992 Finch et al 235/375
5,095,195 3/1992 Harman et al 235/381
5,117,355 5/1992 McCarthy 364/405
5,128,520 7/1992 Rando et al 235/375
5,173,851 12/1992 Offetal 364/401
5,185,695 2/1993 Pruchnicki 364/401
5,201,010 4/1983 Deaton et al 382/7
5,202,826 4/1993 McCarthy 364/405
5,235,345 10/1993 Fernandes et al 395/275
5,237,496 8/1993 Kagami et al 364/401
5,245,164 9/1993 Oyama 235/379
5,245,533 9/1993 Marshall 364/401
5,249,044 9/1983 Von Kohorn 358/86
5,251,152 10/1993 Notess 364/550
|
