WO2000026872A1 - Systeme de garantie de cheque - Google Patents

Systeme de garantie de cheque Download PDF

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Publication number
WO2000026872A1
WO2000026872A1 PCT/AU1999/000941 AU9900941W WO0026872A1 WO 2000026872 A1 WO2000026872 A1 WO 2000026872A1 AU 9900941 W AU9900941 W AU 9900941W WO 0026872 A1 WO0026872 A1 WO 0026872A1
Authority
WO
WIPO (PCT)
Prior art keywords
cheque
card
data
amount
identifier
Prior art date
Application number
PCT/AU1999/000941
Other languages
English (en)
Inventor
George Pharmacis
Original Assignee
George Pharmacis
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 George Pharmacis filed Critical George Pharmacis
Priority to CA002348754A priority Critical patent/CA2348754A1/fr
Priority to GB0112950A priority patent/GB2359174B/en
Priority to AU13662/00A priority patent/AU1366200A/en
Priority to NZ512036A priority patent/NZ512036A/en
Publication of WO2000026872A1 publication Critical patent/WO2000026872A1/fr

Links

Classifications

    • 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
    • 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
    • G06Q20/04—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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/347—Passive cards
    • 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
    • G07F7/122—Online card verification

Definitions

  • the present invention relates to business and finance industries. There are currently many different ways of conducting financial transactions without using paper money. These include EFTPOS cards and cheques. BACKGROUND OF THE INVENTION
  • the present invention is concerned primarily with financial transactions involving cheques.
  • a typical ATM card provides access to savings accounts and cheque accounts .
  • a person may use their ATM card to withdraw funds from either account by using an ATM terminal in the traditional manner.
  • a cheque account is accessible using an ATM terminal
  • Subtitute Sheet The rules of the UK Domestic Cheque Guarantee Card Scheme state that a card issuer "guarantees in any single transaction the payment of only one cheque taken from only one of its own cheque books for up to 50 pounds or for up to 100 pounds or 250 pounds if indicated in the hologram, provided the cheque is not drawn on the account of a limited company and: i) The cheque bears the same customer name, and, where printed, bank sort code, as the card; ii) The cheque is dated with the actual date of issue; iii) It is signed before the expiry of the card, in the United Kingdom of Great Britain and Northern Ireland, the Channel Islands, Isle of Man, Gibraltar or on the premises of any United Kingdom Customs post located outside these territories in the presence of the payee by the account number; iv.
  • the card number is recorded on the reverse of the cheque by the payee (this requirement can only be varied by specific prior agreement of the Scheme's governing body; v. The card has not been adhered or defaced; vi. Where the guarantee is used to support an encashment service, then the following rules will apply; a) The number of guaranteed cheque encashments service, when made with the support of a cheque card is limited to one cheque per customer per day; b. Special "frequency marking" pages provided at the back of cheque books and the appropriate day square is effectively cancelled by cashiers whenever cheque cards are used to support encashments. c .
  • the cheque is delivered to the bank of the encashment service provider for collection no later than 3 days after the date upon which the cheque is received by the encashment service provider (for these purposes weekend days and Bank holidays shall not be included in the day count, nor the day upon which the cheque is received by the encashment service provider.
  • These conditions of use are not to be printed on the card but are readily accessible to any Enquirer at the Issuer' s branches .
  • a cheque can only be deposited by taking it to a financial institution. If the payee has an account at that institution the cheque can be deposited in the account and over a period of days the cheque will eventually be cleared by a clearinghouse.
  • a system for depositing a cheque comprising a cheque having a cheque identifier and amount entered thereon, a card having data relating to an owner of the card and an authorisation code, a card data means for receiving the data of the card, a communication network connected to the card data means, a control station connected to the communication network and a guarantee means, wherein a cheque is arranged to be deposited by establishing a communication link between the card data means and the control station, the card data means is arranged to be used to enter and transmit data including the authorisation code, cheque identifier and amount to the control station, the control station is adapted to access a data base to check the card authorisation code matches the stored authorisation code and transmit a request to the card data means to enter the cheque identifier and cheque amount into the card data means and transmit the cheque identifier and amount to the control station, which is adapted to access the guarantee means to compare the cheque amount for the card with a predetermined amount set by the guarantee means for the owner
  • the account balance for the owner is only updated once the cheque is presented for payment of goods and services.
  • the account balance for the owner is updated automatically and if the cheque ultimately bounces the cheque guarantor guarantees the amount and is adapted to transmit the amount to the financial institution where the account is held.
  • the system includes sending the cheque with the cheque receipt identifier entered thereon to a cheque clearing means.
  • control station includes a processor, which is adapted to access an account database of a financial institution where the owners account is located.
  • the card data which is received by the card data means includes a financial institution code where the owners account is located.
  • the financial institution database is adapted to update the account balance for the account for the owner when the control station transmits an approval signal indicating the approval issued by the guarantee means.
  • the card data includes data relating to the type of account where the owner wishes to deposit the amount entered on the cheque.
  • the database is accessible through the communication network.
  • the database preferably includes an owner database and a payer database.
  • Each database may be located at the control station.
  • control station is an autocall centre which is adapted to communicate with a financial institution database containing account data for each owner and/or payee on the cheque.
  • the guarantee means comprises a cheque guarantee database which is accessible by the autocall centre through the communication network.
  • the cheque guarantee means preferably includes a list of payees and an amount limit for each payer on a cheque .
  • the cheque guarantee means may include a credit limit for each payer. It is preferred that the card data means comprises a card reader.
  • the card data means comprises a telephone keypad whereby the keypad can be used to enter data relating to the card and cheque.
  • the card data means comprises a keyboard of a computer connected to the internet, whereby data relating to the card and cheque is entered onto the computer and is able to be transmitted to the control station. It is preferred that the card data means comprises a computer program which prompts the owner of the card to enter data relating to the card and the cheque.
  • the computer program includes a data entry facility whereby a plurality of fields are presented in which data relating to the card and cheque is to be entered.
  • the program includes an icon which can be clicked on in order to transmit entered data once the data has been successfully entered in the relevant fields.
  • the card data means comprises a POS/ATM card reader.
  • the communication network may include a telephone network, internet or any other method of transmitting information from one data processor to another data processor.
  • the control station preferably comprises an automatic call centre having a processor for processing data and controlling transmission of data between the card data means and the or each database.
  • the processor preferably is adapted to communicate between the cheque guarantee means and the financial institution database.
  • the card data preferably includes a password, an expiry date and an owner name.
  • the card data may also include an account identifier for the owner.
  • the authorisation code may be in the form of a password, barcode, pin number or other means of storing data securely.
  • the owner name may be an identification number or code.
  • the system includes a loyalty network which is connected to the autocall centre through the processor, whereby every time a cheque is deposited and approved loyalty credits are allocated to an account of the owner .
  • the system for verifying a cheque includes a system for depositing a cheque and guaranteeing the cheque .
  • the system includes the step of mailing the cheque to a cheque deposit institution with a receipt number located thereon.
  • the cheque deposit institution communicates with a cheque clearing house which also communicates with the financial institution.
  • a system for guarantee of a cheque comprising a card having data relating to the owner of the card, an authorisation code for the card and an account identifier, a communication network, a card data means connected to the communication network, the card data means being adapted to receive data of the card, a computer database connected to the communication network, a control station connected to the communication network, wherein a cheque is verified by using the card reader to read data on the card including the account number and authorisation code, the read data is transmitted to the control station using the control station to access the database and retrieve account data for the account of the authorisation code if the code matches that for the account identifier, transmit a message to the card reader device to enter an identifier for a cheque and an amount to be authorised, receiving the cheque identifier and amount, checking an approval database and transmitting approval if the amount is above a predetermined amount set by a guarantee means.
  • the system includes deducting the amount from the account balance located in the computer database and transmitting approval of the amount balance if the deduction is greater than the predetermined amount .
  • the cheque identifier is a number.
  • the predetermined amount may be zero.
  • the authorisation code may include a pin number.
  • the control station may be adapted to prompt the card reader device to enter the data of the cheque.
  • transmittal of approval includes transmitting a receipt number to be written on the cheque. It is preferred that a fee is deducted from the account balance if the transaction is approved.
  • the fee is credited to the merchant identified by the card reader device if the transaction is approved.
  • the owner of the database is credited with a fee each time a transaction is approved.
  • the financial institution may include a fee everytime a transaction is approved.
  • the cheque guarantor charges a fee for each card.
  • the cheque guarantor may charge a fee each time the card is used to guarantee a cheque.
  • the predetermined amount is determined by a guarantor controller.
  • the guarantor controller may extend credit for the payee entered on the cheque .
  • the guarantor controller includes a guarantor data processor in communication with the computer database, which guarantor controller records the amount and issues an approval to the control station.
  • the system for verifying a cheque includes the step of the control centre issuing an approval identifier which is adapted to be provided on the cheque whereby the approval identifier guarantees the amount written on the cheque when the cheque is presented at a merchant for payment of goods or services .
  • the merchant is adapted to use an approval system in communication with the control station in order to verify the approval identifier on the cheque .
  • the verification step includes the control station sending a confirmation that the approval identifier is correct and confirmation of the amount which was approved, whereby the merchant can check the amount approved with the amount written on the cheque. It is preferred that the merchant uses a telephone and is able to verify the approval identifier and amount over the telephone.
  • the merchant is adapted to have a merchant cheque guarantee card which is adapted to be used with a card reader means to access the control station.
  • control station is adapted to provide a prompt for entry of the approval identifier amount so that the merchant can transmit this information by entering it into the card reader means.
  • the present invention is aimed at providing an alternative system for verifying and depositing a cheque.
  • BRIEF DESCRIPTION OF THE DRAWINGS A preferred embodiment of the present invention will now be described by way of example only with reference to Figure 1 which shows a cheque verification system using a POS transaction in accordance with a preferred embodiment of the present invention.
  • DETAILED DESCRIPTION OF THE DRAWINGS
  • a merchant 11 is provided with a POS terminal 12 having a card reader 13, a display 14 and a keypad 15.
  • the terminal 12 is connected through a modem to a communication network to an autocall centre 16.
  • the autocall centre 16 is connected to a processor 17 which itself is connected to a cheque guarantor 18, a merchant database 19, a customer database 20 and a financial institution database 21.
  • a cheque deposit institution 23 is connected with a cheque clearing house 24 which is connected to the financial institution 22 and autocall centre 16.
  • a loyalty network 25 may also be provided and connected to the autocall centre 16.
  • the system described above requires a customer to be provided with a cheque guarantee card which can be issued by the cheque guarantor 18 or financial institution 22 .
  • the cheque card provides access to a single or multiple cheque accounts.
  • the cheque card may be plastic in the traditional manner and may have an identification code which is stored by a pin number, barcode, photograph, finger print, electromagnetic print or any other form of coded information which is unique to the card holder.
  • the cheque card is adapted to be used at all POS or automatic teller machines for deposit or purchase of goods and services all over the world through any communication channel.
  • the cheque card is used at a POS or ATM terminal the card is either swiped in the traditional manner to access the identification code and then an identification procedure must be followed to authentic that code.
  • the cheque card is swiped so that the identification code is recorded and then the customer must key in the right code before the transaction can be processed.
  • the identification procedure will vary depending on how the identification is stored on the card. Therefore if the card is used telephonically identification data can be keyed in a similar fashion to a credit card identification procedure.
  • a customer is issued with a cheque guarantee card which in effect acts as a line of credit for cheques to be issued until a set amount is achieved.
  • a customer possessing a cheque guarantee card uses this in conjunction with a cheque in order to make a purchase .
  • the customer purchases a product or service by writing a cheque to the value of the purchase and includes the name of the merchant and the date of the transaction.
  • the merchant accepts the cheque and cheque card and uses the system shown in Figure 1 to verify the authenticity of the transaction.
  • the merchant either keys in or uses a merchant card to swipe in information relating to the identification of the merchant.
  • This information is transmitted over the communication network to the call centre 16 and is processed by processor 17 which is able to access the merchant database 19 to verify the authenticity of the merchant ID which it receives.
  • the processor 17 then issues prompts to the display 14 through the communication network and these prompts include the following. i. the merchant's card number. ii. the expiry date of the merchant's card; iii. the merchant's ID number; iv. the customer cheque card ID number and optionally account type (cheque, savings etc.); v. the customer cheque card expiry date; xi. the amount written on the cheque; vii. the cheque number or cheque ID number.
  • This information is keyed in serially by both the merchant and customer as prompted by the processor 17.
  • the customer data base 20 is accessed by the processor 17 to authenticate account and ID information relating to the cheque card.
  • the processor 17 When all the verification of the cheque card has been entered and approved by the processor 17 the amount is keyed in and the processor communicates with the cheque guarantor which may be in the form of a computer database to check that the amount is below the predetermined upper limit for that customer.
  • the processor If the amount is approved by the cheque guarantor 18 the processor then requests identification of the cheque number so that this can be recorded in either a separate database of the processor, the database of the financial institution or alternatively the cheque guarantor 18.
  • a receipt number is then able to be transmitted back to the terminal 12 and displayed on the display 14 and can be written on the back of the cheque by the merchant.
  • each customer is provided with his or her own account in a similar fashion to a savings or cheque account.
  • This account is held by a financial institution and determines the amount which is able to be written on the cheque.
  • the financial institution may provide an overdraft facility so that an amount can be written which exceeds the amount which is currently stored in the account.
  • the present invention also encompasses a system whereby a cheque guarantor effectively extends a line of credit and cheques are able to be written as long as the line of credit is still below a predetermined level .
  • the cheque card system described above also includes the possibility of a loyalty system being associated with it. For example every time a cheque card is used in conjunction with the writing of a cheque, a certain amount of credits may be transmitted to the loyalty network from the autocall centre.
  • the loyalty network 25 acts as a frequent user reward system whereby the number of credits which are accrued provides access for the customer to various types of rewards .
  • the loyalty network 25 may also extend to the merchant, so that the merchant also accumulates rewards for accepting transactions using the cheque card.
  • a cheque that is received by a business or person is able to be deposited without depositing the cheque physically at a financial institution.
  • a business which receives cheques for payment of services can use the cheque verification system to deposit the cheque.
  • the cheque may be deposited by accessing a computer terminal connected to the internet.
  • the computer terminal would be item 12 in Figure 1 and the card reader 13 could be a card reader which is provided as a peripheral device connected to the computer terminal or the card reader could be dispensed with altogether.
  • the owner of the card accesses the internet and specifically the website of the autocall centre.
  • the autocall centre has a deposits page which includes a list of fields which must be filled in to complete a depositing step.
  • Each field requests data relating to the owners name, the owners password and if a card is used the expiry date of the card. Furthermore the payee on the cheque is entered along with the cheque number and the amount on the cheque .
  • the amount on the cheque is automatically added to the owner's account at a financial institution so that an immediate deposit to the owner's account can be made.
  • the cheque is then mailed in a traditional manner to the owner's financial institution where the cheque can be processed in the traditional way.
  • the above procedure can be modified so that a verified cheque can be issued over the internet to the owner. in such a situation the owner accesses the home page of the autocall centre and clicks on an icon for writing a cheque.
  • a series of fields are then produced which prompt the owner to enter data relating to the owner's name, the owner's password, the owner's expiry date of the cheque guarantee card, the cheque number and the amount entered on the cheque . If all the data entered is verified by the autocall centre as being correct and the amount that is to be written on the cheque is guaranteed by the cheque guarantor then an approval is transmitted to the owner's terminal along with an approval identifier which is to be entered onto the cheque .
  • the cheque may be specially provided with a field in which the approval identifier is to be added.
  • the owner is then able to take the cheque to a merchant and the cheque effectively acts as cash because the approval identifier provides a guarantee for the cheque.
  • the owner takes the cheque and presents it at a merchant's premises and purchases goods or services the merchant asks that the cheque be signed and optionally is only required to check that the name on the signature is authentic.
  • the above procedure may be modified whereby the owner merely produces the cheque guarantee card which may then be read by a card reader terminal of the merchant and prompt the owner (customer) to insert a password which in effect if approved by the autocall centre when this information is received at the autocall centre, quickly authenticates the cheque as being associated with the owner.
  • the cheque could be presigned with the approval identifier entered so that in effect the cheque acts as cash and no further approval is required by the merchant when presented with this cheque.
  • a cheque is specially adapted to have a field to allow entry of the approval identifier.
  • financial institutions could issue cheques of set amounts which can be approved by any of the previously described procedures so that an approval identifier can be entered into a field on the cheque . It is also possible that a mini cheque be provided which only has a field for a signature to be inserted and a field for an approval identifier to be added. As no additional information needs to be added such as the amount the cheque can be much smaller than traditional cheques.
  • the new cheque described above is the size of a credit card.
  • the new cheque comprises a ticket which is adapted to be signed and provided with an approval identifier or code representing approval of the preset amount occurring on the cheque.
  • An additional procedure may be added whereby the merchant has a cheque guarantee card which is swiped when a cheque is presented with an approval identifier already added. The merchant can then use the cheque guarantee card to confirm that the amount written on the cheque is the amount that was approved. All this would entail is that the merchant is prompted by the autocall centre to enter the cheque identifier and the amount. If both of these match the approval identifier and the amount recorded by the autocall centre then the transaction is approved.
  • the above system may be modified to replace internet transactions with transactions over the telephone and according to one embodiment may not need the use of a card. For example if the relevant information is memorised by the owner this information can then just be entered over a telephone through a telephone keypad or by verbally providing the relevant information which is prompted by an automated voice authorisation procedure, similar to that used by pay-by phone systems.
  • VI 5 if cheque verified correctly
  • Processor communicates with associated "CC” Cheque network connections or with its own database, and provides code or Information to make judgement on code decision to 'CC" call centre for decision as in 3)c),i and ii.
  • Processor Communicates with associated "CC” Cheque network connections (Guarantor) or with its own data base and provides information to make judgement on decision as in 3)e) 1, ii, iii and iv.
  • Cheque Verification/Cheque Guarantor a) Provides Information directly to "CC" call centre, or to call "CC" Processor for decision as in 3)e)ii, ii, iii and iv. b) If decision provide for Guarantee as in 3)e)iii i) Guarantee accompanies cheque until cheque writer provides funds to cover cheque. c) If cheque dishonoured i) Rights to cheque remain with cheque guarantor to fulfil, as, lie so requires by criminal or civil law, to recover funds from cheque writer 6) Loyalty Network/Barter Network.
  • New page comes up requesting a) Next cheque No from your book b) Payee c) Payee Routing Number d) Date to transfer c) Amount
  • the cheque card can be a cheque and deposit card, a cheque card alone, a deposit card alone, an acceptor card (merchant card), a travellers card, a loyalty card/barter card and a combination of any one or more of the above .
  • Pin/ID encoded at different levels To be used for deposit or cheques issuance
  • Cheque Card Link any number of accounts Pin/ID encoded at different levels To be used for issuance of cheques Comes with pre-printed cheque book wallet in duplicate or stubbed measuring 10cm by 7cm or as currently available
  • Size of normal plastic card Can maintain free or predetermined levels at different levels done by arrangement

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

Abstract

L'invention concerne un système de vérification et de dépôt de chèque, comprenant un chèque et une carte renfermant des données relatives au titulaire de la carte et un code d'autorisation. Les données de la carte sont transmises à un poste de contrôle via un réseau de communication. Le poste de contrôle vérifie si le code d'autorisation correspond aux données enregistrées, accède à des moyens de garantie afin de connaître le montant maximal autorisé, et transmet une autorisation assortie d'un identificateur d'encaissement de chèque de manière à pouvoir ajuster le solde de la base de données du compte.
PCT/AU1999/000941 1998-10-29 1999-10-29 Systeme de garantie de cheque WO2000026872A1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA002348754A CA2348754A1 (fr) 1998-10-29 1999-10-29 Systeme de garantie de cheque
GB0112950A GB2359174B (en) 1998-10-29 1999-10-29 A system for guaranteeing a cheque
AU13662/00A AU1366200A (en) 1998-10-29 1999-10-29 A system for guaranteeing a cheque
NZ512036A NZ512036A (en) 1998-10-29 1999-10-29 A system for guaranteeing a cheque using a card and authorisation code

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AUPP6799 1998-10-29
AUPP6799A AUPP679998A0 (en) 1998-10-29 1998-10-29 Cash a cheque

Publications (1)

Publication Number Publication Date
WO2000026872A1 true WO2000026872A1 (fr) 2000-05-11

Family

ID=3811015

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/AU1999/000941 WO2000026872A1 (fr) 1998-10-29 1999-10-29 Systeme de garantie de cheque

Country Status (5)

Country Link
AU (1) AUPP679998A0 (fr)
CA (1) CA2348754A1 (fr)
GB (1) GB2359174B (fr)
NZ (1) NZ512036A (fr)
WO (1) WO2000026872A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103839322A (zh) * 2013-07-10 2014-06-04 天地融科技股份有限公司 智能卡及校验数据输出方法、操作请求响应方法及系统

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB0228955D0 (en) * 2002-12-12 2003-01-15 Enseal Systems Ltd Document with user authentification

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4109238A (en) * 1975-10-06 1978-08-22 1St Natl. Bank Of Atlanta Apparatus for verifying checks presented for acceptance
US4385285A (en) * 1981-04-02 1983-05-24 Ncr Corporation Check dispensing terminal
GB2164186A (en) * 1984-09-04 1986-03-12 Stc Plc Signature verification
US4672377A (en) * 1985-09-09 1987-06-09 Murphy Arthur J Check authorization system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4109238A (en) * 1975-10-06 1978-08-22 1St Natl. Bank Of Atlanta Apparatus for verifying checks presented for acceptance
US4385285A (en) * 1981-04-02 1983-05-24 Ncr Corporation Check dispensing terminal
GB2164186A (en) * 1984-09-04 1986-03-12 Stc Plc Signature verification
US4672377A (en) * 1985-09-09 1987-06-09 Murphy Arthur J Check authorization system

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103839322A (zh) * 2013-07-10 2014-06-04 天地融科技股份有限公司 智能卡及校验数据输出方法、操作请求响应方法及系统
CN103839322B (zh) * 2013-07-10 2017-04-19 天地融科技股份有限公司 智能卡及校验数据输出方法、操作请求响应方法及系统

Also Published As

Publication number Publication date
CA2348754A1 (fr) 2000-05-11
GB2359174B (en) 2003-07-02
AUPP679998A0 (en) 1998-11-19
NZ512036A (en) 2002-04-26
GB2359174A (en) 2001-08-15
GB0112950D0 (en) 2001-07-18

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