Patent US3049077A successfully refreshed from Google Patents.
US5111395A
Expired / Lapsed
US
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Automated fund collection system including means to eliminate duplicate entries from a mailing list
Assignee: Individual
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Filing: 1989-11-03
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Granted: 1992-05-05
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Expires: 2009-11-03
Abstract
Abstract An automated system for raising or collecting funds including a solicitation process whereby potential contributors/customers enter into an automatic funds transfer program with the fund raiser/collector. Contributor/customer lists are created with a merge/purge program that identifies duplicate records even though key elements of the records (e.g. name/address or zip code) differ.
Inventors
- 👤 Rodney A. Smith
- 👤 Paul Janigian
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-25 21:35
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/042; G06Q20/08; G06Q20/10; G06Q99/00; Y; Y10; Y10S; Y10S707/00; Y10S707/99931; Y10S707/99933; Y10S707/99936; Y10S707/99937
Claims Analysis
Total Claims: 21
Claim 1
Independent Claim
245 words
An automated fund collection apparatus comprising: means for creating a file, said file comprising a plurality of records, each record including a name and address of an individual, means for selecting portions of each record, means for making a first comparison between a first predetermined portion of a first record and a first predetermined portion of at least one second record to determine if said first portions match, means for identifying at least one duplicate record in said file when at least said first portions match, means for making a second comparison between a second predetermined portion of said first record and a second predetermined portion of said at least one second record to determine if said second portions match, means for identifying at least one duplicate record in said file when at least said second portions match and said first portions do not match, means for eliminating identified duplicate records from said file and means for creating a second file of unique records, wherein no two records identify the same individual, means for creating a list of individuals from said second file of unique records, means for sending each individual on said list a proposal for an electronic funds transfer agreement in which each individual agrees to make automatic and periodic transfers of funds from each individual to a fund collection entity and, means for printing a plurality of checks and means for sending one of said plurality of checks to each said individual.
Claim 2
Dependent Claim
245 words
An automated fund collection apparatus comprising: means for creating a file, said file comprising a plurality of records, each record including a name and address of an individual, means for selecting portions of each record, means for making a first comparison between a first predetermined portion of a first record and a first predetermined portion of at least one second record to determine if said first portions match, means for identifying at least one duplicate record in said file when at least said first portions match, means for making a second comparison between a second predetermined portion of said first record and a second predetermined portion of said at least one second record to determine if said second portions match, means for identifying at least one duplicate record in said file when at least said second portions match and said first portions do not match, means for eliminating identified duplicate records from said file and means for creating a second file of unique records, wherein no two records identify the same individual, means for creating a list of individuals from said second file of unique records, means for sending each individual on said list a proposal for an electronic funds transfer agreement in which each individual agrees to make automatic and periodic transfers of funds from each individual to a fund collection entity and, means for printing a plurality of checks and means for sending one of said plurality of checks to each said individual.
Claim 3
Dependent Claim
23 words
Apparatus according to claim 1 including means for making only one of said plurality of checks payable to one of each said individuals.
Claim 4
Dependent Claim
34 words
Apparatus according to claim 1 including means for making each one of said checks in the form of a bank draft payable to one of each individuals only through a fund collection entity's bank.
Claim 5
Dependent Claim
70 words
Apparatus according to claim 3 wherein each said individual has a bank account identifiable by an account number at an individual's bank, and wherein each individual's bank is identifiable by a bank routing number, and including means for assigning a control number to each individual, said control number uniquely identifying said individual's account number and bank routing number, and means for printing said control number on one of said checks.
Claim 6
Dependent Claim
37 words
Apparatus according to claim 1 wherein each said individual has a bank account identifiable by an account number at an individual's bank, and including means for printing said individual's bank account number on one of said checks.
Claim 7
Dependent Claim
31 words
Apparatus according to claim 5 wherein each individual's bank is identifiable by a bank routing number, and including means for printing said individual's bank routing number on one of said checks.
Claim 8
Dependent Claim
24 words
Apparatus according to claim 6 including means for encoding said account numbers and said routing numbers prior to printing said numbers on said checks.
Claim 9
Dependent Claim
23 words
Apparatus according to claim 7 wherein said means for encoding includes means for determining the radix-minus-one complement of said account and routing numbers.
Claim 10
Dependent Claim
17 words
Apparatus according to claim 1 including means for printing an electronic fund transfer agreement on said check.
Claim 11
Dependent Claim
26 words
Apparatus according to claim 9 wherein said agreement specifies that a predetermined amount of money is to be charged to said individual's bank account each month.
Claim 12
Dependent Claim
38 words
Apparatus according to claim 10 including means for printing a fixed dollar amount on a front face of said check payable to said individual, said fixed dollar amount equaling an integral multiple of said predetermined amount of money.
Claim 13
Dependent Claim
11 words
Apparatus according to claim 11 wherein said integral multiple is two.
Claim 14
Dependent Claim
30 words
Apparatus according to claim 9 wherein said agreement specifies that said predetermined amount charged to said individual's bank account is paid to a bank account of said fund collection entity.
Claim 15
Dependent Claim
47 words
Apparatus according to claim 1 wherein said electronic funds transfer agreement provides for the periodic debit of a predetermined amount from a bank account of one of said individuals and a corresponding periodic payment of said predetermined amount to a bank account of said fund collection entity.
Claim 16
Dependent Claim
80 words
An automated fund collection apparatus comprising: means for creating a list of individuals, said list including the names and addresses of said individuals, means for sending each individual on said list a proposal for an electronic funds transfer agreement in which each individual agrees to automatic and periodic transfer of funds from each individual to a fund collection entity, means for printing a plurality of checks, and means for sending one of said plurality of checks to each said individual.
Claim 17
Dependent Claim
80 words
An automated fund collection apparatus comprising: means for creating a list of individuals, said list including the names and addresses of said individuals, means for sending each individual on said list a proposal for an electronic funds transfer agreement in which each individual agrees to automatic and periodic transfer of funds from each individual to a fund collection entity, means for printing a plurality of checks, and means for sending one of said plurality of checks to each said individual.
Claim 18
Dependent Claim
26 words
Apparatus according to claim 15 wherein said agreement specifies that a predetermined amount of money is to be charged to said individual's bank account each month.
Claim 19
Dependent Claim
38 words
Apparatus according to claim 16 including means for printing a fixed dollar amount on a front face of said check payable to said individual, said fixed dollar amount equaling an integral multiple of said predetermined amount of money.
Claim 20
Dependent Claim
30 words
Apparatus according to claim 15 wherein said agreement specifies that said predetermined amount charged to said individual's bank account is paid to a bank account of said fund collection entity.
Claim 21
Dependent Claim
47 words
Apparatus according to claim 15 wherein said electronic funds transfer agreement provides for the periodic debit of a predetermined amount from a bank account of one of said individuals and a corresponding periodic payment of said predetermined amount to a bank account of said fund collection entity.
References Cited (Backward Citations)
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1995-05-05 | 1995-11-04 | 1996-05-05 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 1999-05-05 | 1999-11-04 | 2000-05-05 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2003-05-05 | 2003-11-04 | 2004-05-05 | $7700.00 | Window Closed / Lapsed |