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United States Patent
Park et al.
(io) Patent No.: (45) Date of Patent:
US 7,058,612 B2 Jun. 6, 2006
SYSTEM AND METHOD FOR PRODUCING AND VERIFYING SECURE NEGOTIABLE INSTRUMENTS
Inventors: Gregory Ernest Park, Stratham, NH
(US); Timothy P O'Hagan, Dover, NH
(US)
Assignee: Bottomline Technologies, (DE) Inc.,
Portsmouth, NH (US)
Notice: Subject to any disclaimer, the term of this patent is extended or adjusted under 35 U.S.C. 154(b) by 674 days.
Appl. No.: 10/190,060
Filed: Jul. 3, 2002
Prior Publication Data
US 2003/0225705 Al Dec. 4, 2003
Related U.S. Application Data
Continuation-in-part of application No. 10/162,292, filed on Jun. 4, 2002.
Int. CI.
G06F17/64 (2006.01)
U.S. CI 705/64; 705/1; 380/54;
713/176; 713/168
Field of Classification Search 705/1,
705/64; 380/54; 713/176, 168 See application file for complete search history.
References Cited
U.S. PATENT DOCUMENTS 4,321,672 A 3/1982 Braun et al.
5,594,225 A 1/1997 Botvin
6,058,380 A 5/2000 Anderson et al.
6,073,121 A 6/2000 Ramzy
6,164,528 A 12/2000 Hills et al.
6,170,744 Bl * 1/2001 Lee et al 235/380
6.181.814 Bl 1/2001 Carney
6,233,340 Bl 5/2001 Sandra
6,600,823 Bl* 7/2003 Hayosh 380/51
6.820.815 Bl* 11/2004 Meunier et al 235/487
6,834,794 Bl * 12/2004 Dabrowski 235/375
2002/0174074 Al* 11/2002 Meadow et al 705/71
FOREIGN PATENT DOCUMENTS
WO WO 9847264 * 10/1998
OTHER PUBLICATIONS
Automatic storage, retrieval and visualization of bank check
images; Koerich (date unknown).*
David Messerschmitt RSA Asymetric Encryption.
* cited by examiner
Primary Examiner—James P. Trammell
Assistant Examiner—John Winter
(74) Attorney, Agent, or Firm—Timothy P. OHagan
(57) ABSTRACT
The present invention relates to producing and presenting negotiable instruments and, more specifically, to printing and presenting checks, which are resistant to forgery or fraud. The negotiable instrument comprises a numeric sequence printed in MICR font upside down across the top face of the negotiable instrument for electronic reading by a MICR reader. The numeric sequence provides for authentication of the payee name and the payment amount by a secure authentication server.
11 Claims, 13 Drawing Sheets
