MA30612B1 - METHOD FOR REAL-TIME VERIFICATION OF A CUSTOMER'S BANK SOLVENCY - Google Patents

METHOD FOR REAL-TIME VERIFICATION OF A CUSTOMER'S BANK SOLVENCY

Info

Publication number
MA30612B1
MA30612B1 MA30558A MA30558A MA30612B1 MA 30612 B1 MA30612 B1 MA 30612B1 MA 30558 A MA30558 A MA 30558A MA 30558 A MA30558 A MA 30558A MA 30612 B1 MA30612 B1 MA 30612B1
Authority
MA
Morocco
Prior art keywords
bank
check
solvency
customer
real
Prior art date
Application number
MA30558A
Other languages
French (fr)
Inventor
Hicham Nadere
Nadere Lahoucine
Original Assignee
Nadere Lahoucine
Hicham Nadere
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
Application filed by Nadere Lahoucine, Hicham Nadere filed Critical Nadere Lahoucine
Priority to MA30558A priority Critical patent/MA30612B1/en
Priority to PCT/MA2009/000001 priority patent/WO2009088273A1/en
Publication of MA30612B1 publication Critical patent/MA30612B1/en

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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/403—Solvency checks

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le procédé consiste à permettre à un émetteur de chèque de banque (tiré) (1) d'accéder par un code PIN 1(2) à son compte bancaire (9) en utilisant les moyens de communication existants GSM (3), ordinateur (4), guichet automatique (5), lecteur de chèques (6) via Internet (8), réseaux satellite ou téléphonique (7), afin de concrétiser une certification de chèque à distance, et un blocage du montant du chèque émis.The method includes allowing a bank check issuer (1) to access a bank account (9) via a PIN 1 (2) using the existing GSM (3) communication means, computer ( 4), ATM (5), check reader (6) via the Internet (8), satellite or telephone networks (7), in order to implement a remote check certification, and a lock of the amount of the check issued.

MA30558A 2008-01-08 2008-01-08 METHOD FOR REAL-TIME VERIFICATION OF A CUSTOMER'S BANK SOLVENCY MA30612B1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
MA30558A MA30612B1 (en) 2008-01-08 2008-01-08 METHOD FOR REAL-TIME VERIFICATION OF A CUSTOMER'S BANK SOLVENCY
PCT/MA2009/000001 WO2009088273A1 (en) 2008-01-08 2009-01-02 Method for real-time checking the bank solvency of a cheque issued by a customer

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
MA30558A MA30612B1 (en) 2008-01-08 2008-01-08 METHOD FOR REAL-TIME VERIFICATION OF A CUSTOMER'S BANK SOLVENCY

Publications (1)

Publication Number Publication Date
MA30612B1 true MA30612B1 (en) 2009-08-03

Family

ID=40490995

Family Applications (1)

Application Number Title Priority Date Filing Date
MA30558A MA30612B1 (en) 2008-01-08 2008-01-08 METHOD FOR REAL-TIME VERIFICATION OF A CUSTOMER'S BANK SOLVENCY

Country Status (2)

Country Link
MA (1) MA30612B1 (en)
WO (1) WO2009088273A1 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IT1404663B1 (en) * 2010-12-22 2013-11-29 Strambini PROCEDURE FOR REAL TIME CHECK OF BANK CHECKS
EP3210178A1 (en) 2014-10-22 2017-08-30 Denizbank Anonim Sirketi A mobile deferred payment system and method

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5703344A (en) * 1995-06-30 1997-12-30 Visa International Service Association Electronic funds confirmation at point of transaction
US6282523B1 (en) * 1998-06-29 2001-08-28 Walker Digital, Llc Method and apparatus for processing checks to reserve funds

Also Published As

Publication number Publication date
WO2009088273A1 (en) 2009-07-16

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