PHONE CHECKS

Brand	Owner (click to sort)	Address	Description
FONE CHEX	First Commerce Financial Holding Corporation	1716 Shelby Oaks Drive, North Memphis TN 381347406	PHONE CHECKS;financial and financially related services, namely checks taken over the telephone, electronic funds transfer services, preparation of voice authorized paper bank drafts, check guarantees, route verification, endorsement and direct deposit;
PHONECHEX	PRIDE AMERICA HOLDINGS, INC.	180 Newport Center Dr. Ste. 180 Newport Beach CA 92660	PHONE CHECKS;financial clearing house services;
	Where the owner name is not linked, that owner no longer owns the brand

Technical Examples

A wireless check authorization system and method that determines in real time, upon receipt of check information from a check writer, whether the check writer's checking account is open, whether the check writer has written more than a specified number of checks in a specified time period, whether the check writer's checking account has any unpaid checks, and/or whether the checking account has a positive account balance, using a standard off-the-shelf handheld wireless device, such as a text messaging enabled cell phone, web enabled cell phone, short message service enabled wireless device, wireless application protocol enabled cell phone, personal digital assistant, pager, mobile phone, or other suitable wireless device, that a check taker typically carries substantially at all times, is easy to use, low priced, cost effective, and indicates to the check taker, in a simple and easy to understand manner, whether or not to accept a check for payment.