MA54769B1 - Procede de verification instantanee des cheques et des lettres de change normalisees. - Google Patents

Procede de verification instantanee des cheques et des lettres de change normalisees.

Info

Publication number
MA54769B1
MA54769B1 MA54769A MA54769A MA54769B1 MA 54769 B1 MA54769 B1 MA 54769B1 MA 54769 A MA54769 A MA 54769A MA 54769 A MA54769 A MA 54769A MA 54769 B1 MA54769 B1 MA 54769B1
Authority
MA
Morocco
Prior art keywords
payment
check
exchange
standardized
incidents
Prior art date
Application number
MA54769A
Other languages
English (en)
Other versions
MA54769A1 (fr
Inventor
Abdelali Boukachabine
Original Assignee
Abdelali Boukachabine
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 Abdelali Boukachabine filed Critical Abdelali Boukachabine
Priority to MA54769A priority Critical patent/MA54769B1/fr
Priority to PCT/MA2022/000009 priority patent/WO2023075581A1/fr
Publication of MA54769A1 publication Critical patent/MA54769A1/fr
Publication of MA54769B1 publication Critical patent/MA54769B1/fr

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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q20/4037—Remote solvency checks

Landscapes

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

Abstract

Les incidents de paiement par chèque ou par lettre de change normalisée pour insuffisance de provision, lors de la présentation au règlement, ont un impact significatif sur l’économie d’un pays. En effet au maroc, l’encours des incidents de paiement chèques non encore régularisés, enregistré auprès de la centrale des incidents de paiement de bank al maghrib s’est établi à 107,8 milliards de dirhams à fin 2020. La présente invention a pour objet un procédé de gestion permettant de lutter contre les chèques impayés et les lettres de change normalisées impayées en permettant à un commerçant bénéficiaire d’un paiement par l’un de ces deux instruments de paiement de disposer en temps réel de la visibilité sur la capacité de son client à honorer son engagement. L’invention permet de gérer l'interaction entre un commerçant bénéficiaire d’un paiement par un chèque ou par une lettre de change normalisée, qui souhaite vérifier la solvabilité de son client, et la banque du tireur à l'aide d'un centre de traitement relié à une pluralité de banques par l'intermédiaire de voies de communication sûres. Le procédé offre également aux commerçants, lors de la transaction commerciale, une assurance supplémentaire pour la prise de décision en vue de l’acceptation ou non d’un moyen de paiement de leurs clients, et ce à travers la génération d’un pourcentage de probabilité d’occurrence d’un incident de paiement d’un chèque ou d’une lettre de change normalisée calculé sur la base d’un modèle de notation prédictif.
MA54769A 2021-10-27 2021-10-27 Procede de verification instantanee des cheques et des lettres de change normalisees. MA54769B1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
MA54769A MA54769B1 (fr) 2021-10-27 2021-10-27 Procede de verification instantanee des cheques et des lettres de change normalisees.
PCT/MA2022/000009 WO2023075581A1 (fr) 2021-10-27 2022-06-13 Procede de verification instantanee des cheques et des lettres de change normalisees

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
MA54769A MA54769B1 (fr) 2021-10-27 2021-10-27 Procede de verification instantanee des cheques et des lettres de change normalisees.

Publications (2)

Publication Number Publication Date
MA54769A1 MA54769A1 (fr) 2023-04-28
MA54769B1 true MA54769B1 (fr) 2023-07-31

Family

ID=82067600

Family Applications (1)

Application Number Title Priority Date Filing Date
MA54769A MA54769B1 (fr) 2021-10-27 2021-10-27 Procede de verification instantanee des cheques et des lettres de change normalisees.

Country Status (2)

Country Link
MA (1) MA54769B1 (fr)
WO (1) WO2023075581A1 (fr)

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2276637A1 (fr) * 1999-06-30 2000-12-30 Alan A. Mcnaughton Systeme automatise polyvalent d'execution de transactions
US20180189870A1 (en) * 2002-05-14 2018-07-05 Early Warning Services, Llc Multi-database system for storing data from multiple data sources
US8165381B1 (en) * 2004-06-24 2012-04-24 Jpmorgan Chase Bank, N.A. Method and system for transaction decision making
KR101189150B1 (ko) 2008-01-11 2012-10-10 에스케이이노베이션 주식회사 배터리 관리 시스템에서 배터리의 ｓｏｃ 측정 방법 및 장치
US9449312B1 (en) * 2012-06-01 2016-09-20 Dadesystems, Llp Systems and devices controlled responsive to data bearing records
US10552810B1 (en) * 2012-12-19 2020-02-04 United Services Automobile Association (Usaa) System and method for remote deposit of financial instruments

Also Published As

Publication number Publication date
WO2023075581A1 (fr) 2023-05-04
MA54769A1 (fr) 2023-04-28

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