WO2017105297A3 - System and apparatus for security documents and bank cheque transaction system and methods - Google Patents
System and apparatus for security documents and bank cheque transaction system and methods Download PDFInfo
- Publication number
- WO2017105297A3 WO2017105297A3 PCT/SA2017/000003 SA2017000003W WO2017105297A3 WO 2017105297 A3 WO2017105297 A3 WO 2017105297A3 SA 2017000003 W SA2017000003 W SA 2017000003W WO 2017105297 A3 WO2017105297 A3 WO 2017105297A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- cheque
- bank
- fingerprint
- matrix barcode
- information
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D7/00—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
- G07D7/003—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency using security elements
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D7/00—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
- G07D7/004—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency using digital security elements, e.g. information coded on a magnetic thread or strip
- G07D7/0043—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency using digital security elements, e.g. information coded on a magnetic thread or strip using barcodes
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/12—Card verification
- G07F7/127—Card verification in which both online and offline card verification can take place
Landscapes
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Collating Specific Patterns (AREA)
Abstract
This invention relates to a system for issuing a secured documents such as bank notes, Bank cheques, ID cards, passports, or the like, wherein the said system generates and processing an a secured bank cheque. In one embodiment, an apparatus generates a bank cheque containing a barcode by encrypting the details in the matrix barcode and the scan the document's holder fingerprint and stores the said information along with the fingerprint associated with the cheque in a central database and in a storage magnetic chip containing stored encoded data and fingerprint readable by a reader means to find out any unauthorized fingerprint to the cheque. The cheque data comprised the matrix barcode encrypting data include an identification of a cheque, account and bank details, The system when the beneficiary of the cheque presents the same to the related bank, the server reads the information in the matrix barcode in the e-cheque and the fingerprint stored in the storage chip using device for matching the information in the matrix barcode and the fingerprint stored in the bank's database. Furthermore, the system authorizes or rejects the based on whether the cheque is valid or need another fingerprint for co-owner of the account or not. Moreover, the server processes the transaction associated with the cheque if the cheque is valid.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
SA115370156A SA115370156B1 (en) | 2015-12-17 | 2015-12-17 | System and method for issuing and authenticating guaranteed bank checks |
SA115370156 | 2015-12-17 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2017105297A2 WO2017105297A2 (en) | 2017-06-22 |
WO2017105297A3 true WO2017105297A3 (en) | 2017-08-03 |
Family
ID=59057202
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/SA2017/000003 WO2017105297A2 (en) | 2015-12-17 | 2017-02-12 | System and apparatus for security documents and bank cheque transaction system and methods |
Country Status (2)
Country | Link |
---|---|
SA (1) | SA115370156B1 (en) |
WO (1) | WO2017105297A2 (en) |
Families Citing this family (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20200065780A1 (en) * | 2017-05-11 | 2020-02-27 | Gaurav Sharma | SafePay Process |
CA3126233A1 (en) * | 2019-01-08 | 2020-07-16 | Rajoo, Sivam | Cheque clearing system and method |
US11687935B1 (en) | 2022-04-06 | 2023-06-27 | Capital One Services, Llc | Systems and methods for validating an instrument |
US20230325839A1 (en) * | 2022-04-06 | 2023-10-12 | Capital One Services, Llc | Systems and methods for evaluating legitimacy of interactions to reduce fraud |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20100063928A1 (en) * | 2008-09-11 | 2010-03-11 | Hart Mandi C | Electronic check cashing system |
US20140110475A1 (en) * | 2004-05-17 | 2014-04-24 | Dexrad(Proprietary) Limited | Method and System for Creating an Identification Document |
US20150073986A1 (en) * | 2011-12-30 | 2015-03-12 | My Partners And Global Stars Investments (Mp&Gsi) Ltd | Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks |
-
2015
- 2015-12-17 SA SA115370156A patent/SA115370156B1/en unknown
-
2017
- 2017-02-12 WO PCT/SA2017/000003 patent/WO2017105297A2/en active Application Filing
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20140110475A1 (en) * | 2004-05-17 | 2014-04-24 | Dexrad(Proprietary) Limited | Method and System for Creating an Identification Document |
US20100063928A1 (en) * | 2008-09-11 | 2010-03-11 | Hart Mandi C | Electronic check cashing system |
US20150073986A1 (en) * | 2011-12-30 | 2015-03-12 | My Partners And Global Stars Investments (Mp&Gsi) Ltd | Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks |
Also Published As
Publication number | Publication date |
---|---|
WO2017105297A2 (en) | 2017-06-22 |
SA115370156B1 (en) | 2019-01-20 |
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