WO2019147197A3 - Access unit for electronic check/note system - Google Patents

Access unit for electronic check/note system Download PDF

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Publication number
WO2019147197A3
WO2019147197A3 PCT/TR2018/050354 TR2018050354W WO2019147197A3 WO 2019147197 A3 WO2019147197 A3 WO 2019147197A3 TR 2018050354 W TR2018050354 W TR 2018050354W WO 2019147197 A3 WO2019147197 A3 WO 2019147197A3
Authority
WO
WIPO (PCT)
Prior art keywords
electronic check
note
access unit
note system
bank
Prior art date
Application number
PCT/TR2018/050354
Other languages
French (fr)
Other versions
WO2019147197A2 (en
Inventor
Ayşegül Karabiyik
Mürsel Özgür Karabiyik
Original Assignee
Karabiyik Ayseguel
Karabiyik Muersel Oezguer
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 Karabiyik Ayseguel, Karabiyik Muersel Oezguer filed Critical Karabiyik Ayseguel
Publication of WO2019147197A2 publication Critical patent/WO2019147197A2/en
Publication of WO2019147197A3 publication Critical patent/WO2019147197A3/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • 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
    • G06Q20/08—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
    • G06Q20/08—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
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Time Recorders, Dirve Recorders, Access Control (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

The invention relates to an access unit providing connection of persons regardless of being bank customer to an electronic check/ note system (1) enabling users to execute electronic check/ note flows among themselves and/ or with bank and/ or concerned organization (5) by electronic check/ note cards (4) usable by card reader devices (7) given to them and/ or by electronic check/ note user interface from the access devices (6) via multi-layer security infrastructure.
PCT/TR2018/050354 2017-07-10 2018-07-10 Access unit for electronic check/note system WO2019147197A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2017/10155A TR201710155A2 (en) 2017-07-10 2017-07-10 Electronic check / note system access unit
TR2017/10155 2017-07-10

Publications (2)

Publication Number Publication Date
WO2019147197A2 WO2019147197A2 (en) 2019-08-01
WO2019147197A3 true WO2019147197A3 (en) 2019-08-29

Family

ID=67395557

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2018/050354 WO2019147197A2 (en) 2017-07-10 2018-07-10 Access unit for electronic check/note system

Country Status (2)

Country Link
TR (1) TR201710155A2 (en)
WO (1) WO2019147197A2 (en)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8255278B1 (en) * 2009-03-23 2012-08-28 United Services Automobile Association Systems and methods for payment at a point of sale using a virtual check
WO2016097879A1 (en) * 2014-12-19 2016-06-23 Mohammed Jaseem Real-time electronic cheque issue system for money transfer, payment and management

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8255278B1 (en) * 2009-03-23 2012-08-28 United Services Automobile Association Systems and methods for payment at a point of sale using a virtual check
WO2016097879A1 (en) * 2014-12-19 2016-06-23 Mohammed Jaseem Real-time electronic cheque issue system for money transfer, payment and management

Also Published As

Publication number Publication date
TR201710155A2 (en) 2019-02-21
WO2019147197A2 (en) 2019-08-01

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