WO2013100824A3 - Система расчетов электронными чеками - Google Patents

Система расчетов электронными чеками Download PDF

Info

Publication number
WO2013100824A3
WO2013100824A3 PCT/RU2012/001137 RU2012001137W WO2013100824A3 WO 2013100824 A3 WO2013100824 A3 WO 2013100824A3 RU 2012001137 W RU2012001137 W RU 2012001137W WO 2013100824 A3 WO2013100824 A3 WO 2013100824A3
Authority
WO
WIPO (PCT)
Prior art keywords
cheques
payment system
circulation
electronic
funds
Prior art date
Application number
PCT/RU2012/001137
Other languages
English (en)
French (fr)
Other versions
WO2013100824A2 (ru
Inventor
Илья Владимирович КЛИГМАН
Original Assignee
Май Партнерс Анд Глобал Старс Инвестментс (Мп&Гси) Лтд
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 to CN201280065659.4A priority Critical patent/CN104081425B/zh
Priority to BR112014016093-7A priority patent/BR112014016093A2/pt
Application filed by Май Партнерс Анд Глобал Старс Инвестментс (Мп&Гси) Лтд filed Critical Май Партнерс Анд Глобал Старс Инвестментс (Мп&Гси) Лтд
Priority to AU2012363411A priority patent/AU2012363411A1/en
Priority to CA2861764A priority patent/CA2861764C/en
Priority to EA201491295A priority patent/EA201491295A1/ru
Priority to SG11201403670WA priority patent/SG11201403670WA/en
Priority to EP19184372.1A priority patent/EP3570243A1/en
Priority to UAA201407976A priority patent/UA119528C2/ru
Priority to AP2014007812A priority patent/AP2014007812A0/xx
Priority to EP12861572.1A priority patent/EP2800049A4/en
Priority to MX2014007864A priority patent/MX2014007864A/es
Priority to JP2014550239A priority patent/JP6242809B2/ja
Priority to US14/368,722 priority patent/US10134015B2/en
Priority to MYPI2014001946A priority patent/MY185230A/en
Priority to MDA20140077A priority patent/MD20140077A2/ru
Priority to KR1020147021290A priority patent/KR101858652B1/ko
Publication of WO2013100824A2 publication Critical patent/WO2013100824A2/ru
Publication of WO2013100824A3 publication Critical patent/WO2013100824A3/ru
Priority to TNP2014000285A priority patent/TN2014000285A1/en
Priority to IL233436A priority patent/IL233436B/en
Priority to PH12014501519A priority patent/PH12014501519A1/en
Priority to CU2014000076A priority patent/CU20140076A7/es
Priority to MA37218A priority patent/MA35870B1/fr
Priority to CR20140366A priority patent/CR20140366A/es
Priority to HK15102413.8A priority patent/HK1201968A1/xx
Priority to AU2017264991A priority patent/AU2017264991A1/en
Priority to US16/182,876 priority patent/US20190073643A1/en
Priority to AU2019280039A priority patent/AU2019280039A1/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
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • 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
    • 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
    • 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
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

Изобретение относится к области информационных технологий, в частности, к электронным системам и способам обращения денежных средств и может быть использовано для решения задач взаиморасчетов между участниками электронной платежной системы в режиме реального времени. При этом аналогом денежных средств, в представленном изобретении являются электронные банковские чеки на предъявителя, отвечающие банковским правилам и требованиям действующего законодательства. Блоки клиентского приложения выполнены сгруппированными в модули по категориям, соответствующим статусу пользователя, определенного блоком авторизации клиентского и серверных приложений, с обеспечением возможности предустановки набора параметров обращения чеков для каждой категории. Выпуск чеков сопровождается созданием юридически значимых документов и отражением операций в Реестре движения чеков.
PCT/RU2012/001137 2011-12-30 2012-12-28 Система расчетов электронными чеками и способы выпуска, перевода, оплаты и верификации электронных чеков WO2013100824A2 (ru)

Priority Applications (26)

Application Number Priority Date Filing Date Title
MDA20140077A MD20140077A2 (ru) 2011-12-30 2012-12-28 Система расчетов электронными чеками и методы выпуска, перевода, оплаты и верификации электронных чеков
MYPI2014001946A MY185230A (en) 2011-12-30 2012-12-28 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks
AU2012363411A AU2012363411A1 (en) 2011-12-30 2012-12-28 Electronic cheque-based payment system
BR112014016093-7A BR112014016093A2 (pt) 2011-12-30 2012-12-28 sistema de pagamento baseado em cheques eletrônicos e métodos para emissão, transferência, pagamento e verificação de cheques eletrônicos
EA201491295A EA201491295A1 (ru) 2011-12-30 2012-12-28 Система расчетов электронными чеками и способы выпуска, перевода, оплаты и верификации электронных чеков
SG11201403670WA SG11201403670WA (en) 2011-12-30 2012-12-28 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks
EP19184372.1A EP3570243A1 (en) 2011-12-30 2012-12-28 Electronic cheque-based payment system and methods for issuing, transferring, paying and verifying electronic cheques
UAA201407976A UA119528C2 (ru) 2011-12-30 2012-12-28 Система расчетов электронными чеками и способы выпуска, перевода, оплаты и верификации электронных чеков
AP2014007812A AP2014007812A0 (en) 2011-12-30 2012-12-28 Electronic cheque-based payment system
EP12861572.1A EP2800049A4 (en) 2011-12-30 2012-12-28 SYSTEM OF ELECTRONIC CHECK REGULATIONS AND METHODS OF TRANSMITTING, TRANSFERING, PAYING AND VERIFYING OR ELECTRONIC CHECKS
KR1020147021290A KR101858652B1 (ko) 2011-12-30 2012-12-28 전자 수표 기반의 지불 시스템 및 전자 수표를 발행, 이체, 지불 및 검증하는 방법
JP2014550239A JP6242809B2 (ja) 2011-12-30 2012-12-28 電子小切手ベース支払システム及び電子小切手を発行、転送、支払及び検証するための方法
US14/368,722 US10134015B2 (en) 2011-12-30 2012-12-28 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks
CN201280065659.4A CN104081425B (zh) 2011-12-30 2012-12-28 基于电子支票的付款系统
CA2861764A CA2861764C (en) 2011-12-30 2012-12-28 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks
MX2014007864A MX2014007864A (es) 2011-12-30 2012-12-28 Sistema de pago electronico basado en cheques y procedimientos para emitir, transferir, pagar y verificar cheques electronicos.
TNP2014000285A TN2014000285A1 (en) 2011-12-30 2014-06-27 Electronic cheque-based payment system and methods for issuing, transferring, paying and verifying electronic cheques
IL233436A IL233436B (en) 2011-12-30 2014-06-29 A payment system based on electronic checks and methods for issuing, transferring, paying and verifying electronic checks
PH12014501519A PH12014501519A1 (en) 2011-12-30 2014-06-30 Electronic cheque-based payment system
CU2014000076A CU20140076A7 (es) 2011-12-30 2014-06-30 Sistema de pago electrónico basado en cheques y procedimientos para emitir, transferir, pagar y verificar cheques electrónicos
MA37218A MA35870B1 (fr) 2011-12-30 2014-07-18 Système de règlements par chèques électroniques et procédés d'émission, de virement, de paiement et de vérification de ou par chèques électroniques
CR20140366A CR20140366A (es) 2011-12-30 2014-07-30 Sistema de pago electronico basado en cheques y procedimientos para emitir, transferir, pagar y verificar cheques electronicos
HK15102413.8A HK1201968A1 (en) 2011-12-30 2015-03-10 Electronic cheque-based payment system
AU2017264991A AU2017264991A1 (en) 2011-12-30 2017-11-20 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks
US16/182,876 US20190073643A1 (en) 2011-12-30 2018-11-07 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks
AU2019280039A AU2019280039A1 (en) 2011-12-30 2019-12-12 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2011154492 2011-12-30
RU2011154492/08A RU2011154492A (ru) 2011-12-30 2011-12-30 Система расчетов электронными чеками и способы выпуска, перевода оплаты и верификации электронных чеков

Related Child Applications (2)

Application Number Title Priority Date Filing Date
US14/368,722 A-371-Of-International US10134015B2 (en) 2011-12-30 2012-12-28 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks
US16/182,876 Continuation US20190073643A1 (en) 2011-12-30 2018-11-07 Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks

Publications (2)

Publication Number Publication Date
WO2013100824A2 WO2013100824A2 (ru) 2013-07-04
WO2013100824A3 true WO2013100824A3 (ru) 2013-11-07

Family

ID=48698770

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2012/001137 WO2013100824A2 (ru) 2011-12-30 2012-12-28 Система расчетов электронными чеками и способы выпуска, перевода, оплаты и верификации электронных чеков

Country Status (31)

Country Link
US (2) US10134015B2 (ru)
EP (2) EP3570243A1 (ru)
JP (1) JP6242809B2 (ru)
KR (1) KR101858652B1 (ru)
CN (1) CN104081425B (ru)
AP (1) AP2014007812A0 (ru)
AU (3) AU2012363411A1 (ru)
BR (1) BR112014016093A2 (ru)
CA (2) CA3023328A1 (ru)
CL (1) CL2014001761A1 (ru)
CO (1) CO7101197A2 (ru)
CR (1) CR20140366A (ru)
CU (1) CU20140076A7 (ru)
DO (1) DOP2014000151A (ru)
EA (1) EA201491295A1 (ru)
GE (1) GEP201706641B (ru)
GT (1) GT201400134A (ru)
HK (1) HK1201968A1 (ru)
IL (1) IL233436B (ru)
MA (1) MA35870B1 (ru)
MD (1) MD20140077A2 (ru)
MX (1) MX2014007864A (ru)
MY (1) MY185230A (ru)
NI (1) NI201400071A (ru)
PE (1) PE20142135A1 (ru)
PH (1) PH12014501519A1 (ru)
RU (1) RU2011154492A (ru)
SG (1) SG11201403670WA (ru)
TN (1) TN2014000285A1 (ru)
UA (1) UA119528C2 (ru)
WO (1) WO2013100824A2 (ru)

Families Citing this family (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9626405B2 (en) * 2011-10-27 2017-04-18 Edmond K. Chow Trust network effect
BR112017003557A2 (pt) * 2014-08-21 2017-12-05 Farouk Shaaban Ahmed sistema e método para processamento de faturamento entre empresas
WO2016197198A1 (en) * 2015-06-12 2016-12-15 Billtrader Pty Ltd Computer implemented multi-currency invoice capture, trading, access and payment system
US20170024743A1 (en) * 2015-07-23 2017-01-26 Dashlane, Inc. Method and system for managing payment options
CN105046538A (zh) * 2015-07-27 2015-11-11 浪潮集团有限公司 一种基于云计算的电子发票管理方法
SA115370156B1 (ar) * 2015-12-17 2019-01-20 سعود سليمان البازعي عادل نظام وطريقة لإصدار وتوثيق شيكات مصرفية مضمونة
RU2634174C1 (ru) * 2016-10-10 2017-10-24 Акционерное общество "Лаборатория Касперского" Система и способ выполнения банковской транзакции
US10574648B2 (en) 2016-12-22 2020-02-25 Dashlane SAS Methods and systems for user authentication
JP6655571B2 (ja) * 2017-03-14 2020-02-26 株式会社エヌ・ティ・ティ・データ サーバ装置、電子記録債権処理方法、及びプログラム
CA3063372A1 (en) * 2017-05-11 2018-11-15 Gaurav Sharma Safepay / paysafe
CN110223052A (zh) * 2018-03-02 2019-09-10 阿里巴巴集团控股有限公司 数据处理方法、装置和机器可读介质
CN111726376B (zh) * 2019-03-19 2022-01-11 阿里巴巴集团控股有限公司 一种现场验票系统
CN109949144A (zh) * 2019-03-22 2019-06-28 深圳前海微众银行股份有限公司 入账处理方法、装置、设备及计算机可读存储介质
CN110276601A (zh) * 2019-06-05 2019-09-24 上海票据交易所股份有限公司 电子商业汇票全生命周期监管系统及方法
CN110458538B (zh) * 2019-07-31 2021-09-24 创新先进技术有限公司 基于区块链的状态机维护方法及装置、电子设备、存储介质
US11972425B1 (en) 2019-08-30 2024-04-30 Wells Fargo Bank, N.A. Systems and methods for account verification
CN110533400A (zh) * 2019-09-03 2019-12-03 中国建设银行股份有限公司 一种支票存款的方法、装置、设备及存储介质
US11144917B1 (en) 2021-02-26 2021-10-12 Double Check Solutions, Llc Alert management system with real-time remediation and integration with the exception originating system
CN113095803B (zh) * 2021-04-30 2024-02-02 中国银行股份有限公司 一种银行支票的交易方法、装置及设备
CN114430428B (zh) * 2022-04-02 2022-07-05 中国光大银行股份有限公司 客户端接口统一方法、服务系统、存储介质和电子设备
US11935063B1 (en) * 2022-07-08 2024-03-19 Double Check Solutions, Inc. Fraud alert management system with real-time remediation and integration with the originating system
US11615420B1 (en) 2022-07-08 2023-03-28 Double Check Solutions, Inc. Alert management system with real-time remediation and integration with the overdraft allowance originating system

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5426281A (en) * 1991-08-22 1995-06-20 Abecassis; Max Transaction protection system
WO1996009592A1 (en) * 1994-09-25 1996-03-28 Brun, Heidi, M. A vending machine, a vending system and methods of operating same
US20020138445A1 (en) * 2001-01-24 2002-09-26 Laage Dominic P. Payment instrument authorization technique
RU2337401C2 (ru) * 2003-12-18 2008-10-27 Тичиуорлд Ко., Лтд. Способ выполнения банковских трансакций со связыванием счетов посредством общих счетов

Family Cites Families (77)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
FR2737032B1 (fr) * 1995-07-19 1997-09-26 France Telecom Systeme de paiement securise par transfert de monnaie electronique a travers un reseau interbancaire
US5659165A (en) * 1995-07-24 1997-08-19 Citibank. N.A. Customer-directed, automated process for transferring funds between accounts via a communications network
US5848400A (en) * 1996-07-01 1998-12-08 Sun Microsystems, Inc. Electronic check exchange, clearing and settlement system
US6134533A (en) 1996-11-25 2000-10-17 Shell; Allyn M. Multi-level marketing computer network server
US6164528A (en) * 1996-12-31 2000-12-26 Chequemark Patent, Inc. Check writing point of sale system
USRE40220E1 (en) * 1996-12-31 2008-04-08 Lml Patent Corp. Check writing point of sale system
BE1011304A3 (fr) * 1997-07-25 1999-07-06 Banksys Procede et systeme de paiement par cheque electronique.
US7051001B1 (en) * 1998-08-27 2006-05-23 Citibank, N.A. System and method for merchant function assumption of internet checking and savings account transactions
US6757664B1 (en) * 1999-03-02 2004-06-29 Arbitrage Arbitrageur Llc Method and system for verification of checks at a point of sale
AU4501600A (en) * 1999-04-30 2000-11-17 X.Com Corporation System and method for electronically exchanging value among distributed users
US8032457B2 (en) * 1999-08-13 2011-10-04 Vladimir Ostrovsky Method and system for transferring electronic funds
US20010044764A1 (en) * 2000-01-19 2001-11-22 Arnold Thomas A. Accepting and processing electronic checks authorized via a public network
US20060106717A1 (en) * 2000-05-25 2006-05-18 Randle William M End to end check processing from capture to settlement with security and quality assurance
JP2002023628A (ja) * 2000-07-07 2002-01-23 Fujitsu Ltd 電子的貿易取引サーバ、売主用クライアント、買主用クライアント及び電子的貿易取引方法
US20020178112A1 (en) * 2000-08-14 2002-11-28 Visa International Service Association Point of sale check service
US20020026365A1 (en) * 2000-08-29 2002-02-28 Rony Natanzon Method and system for electronic payment and check guarantee
JP2002216063A (ja) * 2001-01-22 2002-08-02 Nippon Yunishisu Kk 電子帳簿システムおよびその制御方法
US20020103756A1 (en) * 2001-01-30 2002-08-01 Valutech, Inc. Business method for implementing on-line check acceptance and processing
CA2354372A1 (en) * 2001-02-23 2002-08-23 Efunds Corporation Electronic payment and authentication system with debit and identification data verification and electronic check capabilities
US20030033252A1 (en) * 2001-08-09 2003-02-13 Buttridge Kelly A. Methods and systems for check processing using blank checks at a point-of-sale
US20040044606A1 (en) * 2001-08-09 2004-03-04 Buttridge Kelly A. Methods and systems for check processing
US20040111371A1 (en) * 2001-08-09 2004-06-10 Friedman Lawrence J. Methods and systems for check processing
US20030050892A1 (en) * 2001-09-07 2003-03-13 Efunds Corporation Electronic point-of-sale check processing method and system
US6644546B2 (en) * 2002-01-02 2003-11-11 International Business Machines Corporation System and method for electronic check conversion at a point-of-sale terminal
US7131571B2 (en) * 2002-03-26 2006-11-07 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
KR100468031B1 (ko) * 2002-03-29 2005-01-24 (주) 시큐컴 자기앞 전자수표 발행 및 결제방법
US20040148258A1 (en) * 2003-01-29 2004-07-29 Tillett Wiley S. Electronic check settlement method
US20040181485A1 (en) * 2003-03-11 2004-09-16 Finch Robert L. System and method for check processing
US20120101946A1 (en) * 2003-10-17 2012-04-26 David Scott Jones Method and system for distributed check processing at a plurality of sites
US7660771B2 (en) * 2003-10-30 2010-02-09 Wells Fargo Bank, N.A. Express check conversion
US20050144131A1 (en) * 2003-12-31 2005-06-30 Aziz Andy S. Method for electronically exchanging checks between financial institutions and an improved process for clearing checks
WO2008157458A1 (en) * 2007-06-16 2008-12-24 Ronald Ronald Rosenberger Bill payment using portional crediting from additional available cash and credit balances
US8433647B1 (en) * 2004-08-25 2013-04-30 Vectorsgi, Inc. Method and system for processing electronic checks
WO2006039364A2 (en) * 2004-10-01 2006-04-13 Solidus Networks, Inc. D/B/A/ Pay By Touch System and method for electronic check verification over a network
JP4002265B2 (ja) * 2004-10-12 2007-10-31 株式会社日立製作所 電子手形管理システム及びその方法
JP4067522B2 (ja) * 2004-10-25 2008-03-26 富士通株式会社 電子小切手の決済方法、代金決済方法、及び発行人コンピュータ
US7890426B2 (en) * 2004-11-19 2011-02-15 Vectorsgi, Inc. Method and system for verifying check images
US20060116961A1 (en) * 2004-12-01 2006-06-01 Charles Kopko Method and apparatus for processing checks into an electronic funds transfer system
US7113925B2 (en) * 2005-01-19 2006-09-26 Echeck21, L.L.C. Electronic check
US7548641B2 (en) * 2005-02-17 2009-06-16 Vectorsgi, Inc. System and method for embedding check data in a check image
US20070175977A1 (en) * 2005-08-03 2007-08-02 American Express Travel Related Services Company, Inc. System, method, and computer program product for processing payments with a virtual preauthorized draft
US20070130063A1 (en) * 2005-12-01 2007-06-07 Jindia Ajay K Method for paperless generation of electronic negotiable instruments
US8126807B2 (en) * 2006-01-30 2012-02-28 Kari Hawkins Control features in a system and method for processing checks and check transactions
US8301567B2 (en) * 2006-01-30 2012-10-30 Kari Hawkins System and method for processing checks and check transactions with thresholds for adjustments to ACH transactions
US8311945B2 (en) * 2006-01-30 2012-11-13 Solutran System and method for processing checks and check transactions
US8126808B2 (en) * 2006-01-30 2012-02-28 Reid Scott R System and method for processing checks and check transactions
US20090263004A1 (en) * 2006-01-30 2009-10-22 Kari Hawkins Prioritized exception processing system and method with in a check processing system and method
US8515873B2 (en) * 2006-01-30 2013-08-20 Solutran WIC check processing with vendor number overlay system and method
US7747529B2 (en) * 2006-03-10 2010-06-29 Homoki David J Method and system of check presentation
US7389913B2 (en) * 2006-04-28 2008-06-24 Ed Starrs Method and apparatus for online check processing
US20080306839A1 (en) * 2006-04-28 2008-12-11 Myecheck, Inc. Method and apparatus for online check processing
US20070299775A1 (en) * 2006-06-02 2007-12-27 Kenneth Algiene Systems and methods for associating a second source of funds with an electronic check transaction
US20080071684A1 (en) * 2006-09-19 2008-03-20 First Data Corporation Electronic check acceptance
US20080071683A1 (en) * 2006-09-19 2008-03-20 First Data Corporation Return fee system for electronic check acceptance
US20080247629A1 (en) * 2006-10-10 2008-10-09 Gilder Clark S Systems and methods for check 21 image replacement document enhancements
US8793184B2 (en) * 2007-02-12 2014-07-29 Visa U.S.A. Inc. Mobile payment services
US8073775B1 (en) * 2007-04-27 2011-12-06 Intuit Inc. Method and system for using an electronic check system
US20140129431A1 (en) * 2008-01-31 2014-05-08 Bill.Com, Inc. Enhanced System and Method For Private Interbank Clearing System
US8374963B1 (en) * 2008-02-14 2013-02-12 United Services Automobile Association (Usaa) Method and system for electronic checking
CN101571939A (zh) * 2008-04-30 2009-11-04 中国移动通信集团公司 一种使用电子支票进行交易的方法、装置及系统
JP2010055515A (ja) * 2008-08-29 2010-03-11 Glory Ltd 手数料出力システムおよび手数料出力方法
US20100063928A1 (en) * 2008-09-11 2010-03-11 Hart Mandi C Electronic check cashing system
US8725634B2 (en) * 2009-02-10 2014-05-13 Secure Payment Systems, Inc. Electronic deferred check writing system
US8332329B1 (en) * 2009-04-22 2012-12-11 United Services Automobile Association (Usaa) Virtual check
US8401969B2 (en) * 2010-03-03 2013-03-19 Moneygram International, Inc. Virtual traveler's check
US20110258119A1 (en) * 2010-04-14 2011-10-20 Techone Telekomunikasyon Iletisim Yazilim Danismanlik ve Pazarlama Ticaret LDT STI Digital check transaction system
US8626656B2 (en) * 2010-04-28 2014-01-07 Ing Direct N.V. System and method for securing payment instruments
US20110320357A1 (en) * 2010-06-25 2011-12-29 Argo Data Resource Corporation System and method for real-time straight through processing and real-time presentment of checks
US20110320358A1 (en) * 2010-06-25 2011-12-29 Argo Data Resource Corporation System and Method for Real-Time and Online Straight-Through Processing and Presentment of Checks
US20120116972A1 (en) * 2010-11-10 2012-05-10 Electronic Check Clearing House Organization Electronic Payment Orders
US20120130899A1 (en) * 2010-11-18 2012-05-24 Mcmonagle Patrick Shawn Check21 processing of non-dda transactions
EP2643803A4 (en) * 2010-11-22 2016-10-05 Mineraltree Inc SYSTEM AND METHOD FOR SECURE FINANCIAL TRANSACTIONS
WO2012087111A1 (en) * 2010-12-24 2012-06-28 Mobile Money International Sdn Bhd Electronic cheque method and system
US20120173436A1 (en) * 2011-01-03 2012-07-05 Stanley Benjamin Smith Method and system for authorizing, authenticating, implementing, brokering data transfers, and collecting fees for data transfers among distributed electronic devices and servers
US20120217297A1 (en) * 2011-02-28 2012-08-30 Seung Pil Kim System and method for check writing using a portable device with near field communication systems

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5426281A (en) * 1991-08-22 1995-06-20 Abecassis; Max Transaction protection system
WO1996009592A1 (en) * 1994-09-25 1996-03-28 Brun, Heidi, M. A vending machine, a vending system and methods of operating same
US20020138445A1 (en) * 2001-01-24 2002-09-26 Laage Dominic P. Payment instrument authorization technique
RU2337401C2 (ru) * 2003-12-18 2008-10-27 Тичиуорлд Ко., Лтд. Способ выполнения банковских трансакций со связыванием счетов посредством общих счетов

Also Published As

Publication number Publication date
JP6242809B2 (ja) 2017-12-13
NI201400071A (es) 2015-12-10
KR101858652B1 (ko) 2018-05-17
MY185230A (en) 2021-04-30
CU20140076A7 (es) 2014-10-02
US20190073643A1 (en) 2019-03-07
MA35870B1 (fr) 2014-12-01
UA119528C2 (ru) 2019-07-10
PE20142135A1 (es) 2015-01-08
IL233436A0 (en) 2014-08-31
KR20140130673A (ko) 2014-11-11
CN104081425A (zh) 2014-10-01
MD20140077A2 (ru) 2015-01-31
IL233436B (en) 2018-02-28
RU2011154492A (ru) 2013-07-27
HK1201968A1 (en) 2015-09-11
CA3023328A1 (en) 2013-07-04
CR20140366A (es) 2015-01-16
GEP201706641B (en) 2017-03-27
EA201491295A1 (ru) 2014-11-28
JP2015515032A (ja) 2015-05-21
GT201400134A (es) 2015-03-05
AU2019280039A1 (en) 2020-01-16
CO7101197A2 (es) 2014-10-31
AP2014007812A0 (en) 2014-07-31
CA2861764A1 (en) 2013-07-04
CN104081425B (zh) 2018-04-24
US10134015B2 (en) 2018-11-20
US20150073986A1 (en) 2015-03-12
BR112014016093A2 (pt) 2017-06-13
AU2012363411A1 (en) 2014-07-24
CA2861764C (en) 2018-11-27
CL2014001761A1 (es) 2015-03-06
EP2800049A4 (en) 2015-07-01
SG11201403670WA (en) 2014-11-27
PH12014501519A1 (en) 2014-10-08
EP2800049A2 (en) 2014-11-05
EP3570243A1 (en) 2019-11-20
WO2013100824A2 (ru) 2013-07-04
MX2014007864A (es) 2015-04-16
DOP2014000151A (es) 2014-10-15
AU2017264991A1 (en) 2017-12-07
TN2014000285A1 (en) 2015-09-30

Similar Documents

Publication Publication Date Title
WO2013100824A3 (ru) Система расчетов электронными чеками
WO2011087921A3 (en) System and method for resolving transactions with lump sum payment capabilities
EA201892669A1 (ru) Система электронных платежей и способ их совершения
MX2009003643A (es) Sistema y metodo de un procesamiento financiero de transacciones.
MX2011003936A (es) Sistema y método de seguridad para transacciones electrónicas.
MX2009001006A (es) Control de cumplimiento en un programa basado en tarjeta.
WO2010099225A3 (en) Automatically adding gratuity to amount charged in electronic transaction
WO2012097369A3 (en) System and method for compositing items and authorizing transactions
WO2013063325A3 (en) System and method for collecting and disbursing electronic gratuities
WO2011087922A3 (en) System and method for resolving transactions employing goal seeking attributes
MY164715A (en) Electronic currency and authentication system and method
WO2010002578A3 (en) Consumer spending threshold evaluation
MX2010001383A (es) Metodos y sistemas para procesamiento de una transaccion financiera.
MY191689A (en) Systems and methods for providing, reloading, and redeeming stored value cards used in transit applications
MX2010000200A (es) Deposito de monedas en cuenta financiera.
WO2010008183A3 (ko) 전자결제방법
WO2014001995A3 (en) Automated transaction system
WO2012128663A3 (en) Device, system and method for electronic accounting
WO2011087914A3 (en) System and method for resolving transactions employing optional benefit offers
Frolova Legal regulation of Internet banking in India
TW200744006A (en) Safety mechanism for trading and method of same
YOGAPRAMUDITA TINJAUAN YURIDIS TENTANG UANG ELEKTRONIK DI INDONESIA
Manaf et al. Challenges And Opportunities Of Islamic Digital Banks In Malaysia
Moritsu et al. An Optimization Method for Redemption and Due Date Matching in Assignment of Electronic Receivables by using Integer Linear Programming.
UA62198U (ru) Способ ведения расчетов между пользователем и поставщиком товаров и/или услуг

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 14368722

Country of ref document: US

ENP Entry into the national phase

Ref document number: 2861764

Country of ref document: CA

WWE Wipo information: entry into national phase

Ref document number: MX/A/2014/007864

Country of ref document: MX

ENP Entry into the national phase

Ref document number: 2014550239

Country of ref document: JP

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: 001043-2014

Country of ref document: PE

WWE Wipo information: entry into national phase

Ref document number: P707/2014

Country of ref document: AE

Ref document number: 233436

Country of ref document: IL

WWE Wipo information: entry into national phase

Ref document number: A201407976

Country of ref document: UA

Ref document number: 2012861572

Country of ref document: EP

ENP Entry into the national phase

Ref document number: 20140077

Country of ref document: MD

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: A 2014 0077

Country of ref document: MD

ENP Entry into the national phase

Ref document number: 2012363411

Country of ref document: AU

Date of ref document: 20121228

Kind code of ref document: A

ENP Entry into the national phase

Ref document number: 13534

Country of ref document: GE

Kind code of ref document: P

WWE Wipo information: entry into national phase

Ref document number: 201491295

Country of ref document: EA

Ref document number: 14162215

Country of ref document: CO

ENP Entry into the national phase

Ref document number: 20147021290

Country of ref document: KR

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: CR2014-000366

Country of ref document: CR

121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 12861572

Country of ref document: EP

Kind code of ref document: A2

REG Reference to national code

Ref country code: BR

Ref legal event code: B01A

Ref document number: 112014016093

Country of ref document: BR

ENP Entry into the national phase

Ref document number: 112014016093

Country of ref document: BR

Kind code of ref document: A2

Effective date: 20140627

ENP Entry into the national phase

Ref document number: 112014016093

Country of ref document: BR

Kind code of ref document: A2

Effective date: 20140627