US 12,333,547 B2
Online check clearance system
Yuh-Shen Song, Porter Ranch, CA (US); Catherine Lew, Porter Ranch, CA (US); Alexander Song, Porter Ranch, CA (US); and Victoria Song, Porter Ranch, CA (US)
Assigned to APEX TECHLINK, INC., Glendale, CA (US)
Filed by Yuh-Shen Song, Porter Ranch, CA (US); Catherine Lew, Porter Ranch, CA (US); Alexander Song, Porter Ranch, CA (US); and Victoria Song, Porter Ranch, CA (US)
Filed on Jan. 8, 2024, as Appl. No. 18/407,255.
Application 18/407,255 is a continuation of application No. 18/189,128, filed on Mar. 23, 2023, granted, now 11,907,957.
Application 18/189,128 is a continuation of application No. 17/545,868, filed on Dec. 8, 2021, granted, now 11,640,611, issued on Apr. 12, 2023.
Application 17/545,868 is a continuation of application No. 15/953,045, filed on Apr. 13, 2018, granted, now 11,227,286, issued on Jan. 18, 2022.
Application 15/953,045 is a continuation of application No. 14/242,615, filed on Apr. 1, 2014, granted, now 9,978,066, issued on May 22, 2018.
Prior Publication US 2024/0144284 A1, May 2, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/04 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/042 (2013.01)] 9 Claims
OG exemplary drawing
 
1. A check certification computer system, comprising:
a memory device; and
at least one processor coupled to the memory device, the at least one processor being configured:
to receive, from a check issuer computer system of a checking account holder at a payer financial institution, first check information comprising: a first routing number, a first account number, a first check number, and a first dollar amount associated with an issued check;
to receive, from a computer system of a payee financial institution, second check information comprising a second routing number, a second account number, a second check number, and a second dollar amount from a received check, at least one of the second routing number, the second account number, the second check number, the second dollar amount, or a combination thereof electronically read by an electronic device at the payee financial institution, and the check certification computer system, the check issuer computer system, and the computer system of the payee financial institution being independent of one another;
to determine whether all of the first check information matches all of the second check information; and
to send, to the computer system of the payee financial institution in response to a portion of the first check information not matching a portion of the second check information, a message indicating potential fraud associated with the second check information.