CA2701782A1 - Systemes et procedes de paiement financier par cheque electronique - Google Patents

Systemes et procedes de paiement financier par cheque electronique Download PDF

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Publication number
CA2701782A1
CA2701782A1 CA2701782A CA2701782A CA2701782A1 CA 2701782 A1 CA2701782 A1 CA 2701782A1 CA 2701782 A CA2701782 A CA 2701782A CA 2701782 A CA2701782 A CA 2701782A CA 2701782 A1 CA2701782 A1 CA 2701782A1
Authority
CA
Canada
Prior art keywords
check
doc
payee
payment
payor
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA2701782A
Other languages
English (en)
Inventor
Michael G. Lalonde
Clark S. Gilder
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Global Standard Financial Inc
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US11/868,335 external-priority patent/US20080249951A1/en
Priority claimed from US11/868,504 external-priority patent/US20080247629A1/en
Application filed by Individual filed Critical Individual
Publication of CA2701782A1 publication Critical patent/CA2701782A1/fr
Abandoned legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/042Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CA2701782A 2007-10-05 2008-09-30 Systemes et procedes de paiement financier par cheque electronique Abandoned CA2701782A1 (fr)

Applications Claiming Priority (9)

Application Number Priority Date Filing Date Title
US11/868,335 US20080249951A1 (en) 2006-10-10 2007-10-05 Security systems and methods for digital payments
US11/868,335 2007-10-05
US11/868,504 2007-10-07
US11/868,504 US20080247629A1 (en) 2006-10-10 2007-10-07 Systems and methods for check 21 image replacement document enhancements
US11/868,939 US7702588B2 (en) 2006-10-10 2007-10-08 Enhanced Check 21 financial payment systems and methods
US11/868,939 2007-10-08
US11/869,739 US8600898B2 (en) 2006-10-10 2007-10-09 Electronic payment systems and methods utilizing digitally originated checks
US11/869,739 2007-10-09
PCT/US2008/078253 WO2009045998A1 (fr) 2007-10-05 2008-09-30 Systèmes et procédés de paiement financier par chèque électronique

Publications (1)

Publication Number Publication Date
CA2701782A1 true CA2701782A1 (fr) 2009-04-09

Family

ID=40532232

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2701782A Abandoned CA2701782A1 (fr) 2007-10-05 2008-09-30 Systemes et procedes de paiement financier par cheque electronique

Country Status (4)

Country Link
EP (1) EP2198545A4 (fr)
CN (1) CN101884189A (fr)
CA (1) CA2701782A1 (fr)
WO (1) WO2009045998A1 (fr)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102801710B (zh) * 2012-07-04 2016-03-02 北京天龙融和软件有限公司 一种网络交易方法和系统
US11468410B2 (en) 2012-07-11 2022-10-11 Viewpost, Llc. Universal payment module and system
ITMI20122258A1 (it) 2012-12-28 2014-06-29 Rototype Spa Metodo di realizzazione di un assegno bancario e assegno bancario realizzato con detto metodo
CN105023137A (zh) * 2015-04-29 2015-11-04 杭州猿人数据科技有限公司 电子邮件证据处理系统及处理方法
SG10201610774UA (en) * 2016-12-22 2018-07-30 Mastercard International Inc System And Method For Conducting A Transaction
CN107067254A (zh) * 2017-02-06 2017-08-18 吕文华 一种二元体系数字币的流通方法
CN107067241A (zh) * 2017-02-06 2017-08-18 吕文华 一种二元体系数字币的运行系统
CN106845950A (zh) * 2017-02-06 2017-06-13 吕文华 一种符合二元体系的数字币
US10664811B2 (en) * 2018-03-22 2020-05-26 Bank Of America Corporation Automated check encoding error resolution
CA3114180A1 (fr) 2018-10-05 2020-04-09 Deluxe Corporation Plateforme de traitement de electronique securisee et fiable
CN109995613B (zh) * 2019-03-29 2021-02-05 北京乐蜜科技有限责任公司 流量计算方法和装置
CN110580148B (zh) * 2019-09-16 2023-04-18 北京华科软科技有限公司 一种面向一体化的epc项目管理平台

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5283829A (en) * 1992-10-01 1994-02-01 Bell Communications Research, Inc. System and method for paying bills electronically
US5884288A (en) * 1996-07-01 1999-03-16 Sun Microsystems, Inc. Method and system for electronic bill payment
US7103579B1 (en) * 2000-03-23 2006-09-05 Electronic Clearinghouse, Inc. Internet based check cashing and clearing method, apparatus and article of manufacture
US6754640B2 (en) * 2000-10-30 2004-06-22 William O. Bozeman Universal positive pay match, authentication, authorization, settlement and clearing system

Also Published As

Publication number Publication date
WO2009045998A1 (fr) 2009-04-09
EP2198545A4 (fr) 2011-09-21
CN101884189A (zh) 2010-11-10
EP2198545A1 (fr) 2010-06-23

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Dead

Effective date: 20140501