EP2198545A4 - Systèmes et procédés de paiement financier par chèque électronique - Google Patents

Systèmes et procédés de paiement financier par chèque électronique

Info

Publication number
EP2198545A4
EP2198545A4 EP08834895A EP08834895A EP2198545A4 EP 2198545 A4 EP2198545 A4 EP 2198545A4 EP 08834895 A EP08834895 A EP 08834895A EP 08834895 A EP08834895 A EP 08834895A EP 2198545 A4 EP2198545 A4 EP 2198545A4
Authority
EP
European Patent Office
Prior art keywords
methods
payment systems
electronic check
financial payment
check financial
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP08834895A
Other languages
German (de)
English (en)
Other versions
EP2198545A1 (fr
Inventor
Michael G Lalonde
Clark S Gilder
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Global Standard Financial Inc
Original Assignee
Global Standard Financial Inc
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 claimed from US11/868,335 external-priority patent/US20080249951A1/en
Priority claimed from US11/868,504 external-priority patent/US20080247629A1/en
Application filed by Global Standard Financial Inc filed Critical Global Standard Financial Inc
Publication of EP2198545A1 publication Critical patent/EP2198545A1/fr
Publication of EP2198545A4 publication Critical patent/EP2198545A4/fr
Withdrawn legal-status Critical Current

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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP08834895A 2007-10-05 2008-09-30 Systèmes et procédés de paiement financier par chèque électronique Withdrawn EP2198545A4 (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US11/868,335 US20080249951A1 (en) 2006-10-10 2007-10-05 Security systems and methods for digital payments
US11/868,504 US20080247629A1 (en) 2006-10-10 2007-10-07 Systems and methods for check 21 image replacement document enhancements
US11/868,939 US7702588B2 (en) 2006-10-10 2007-10-08 Enhanced Check 21 financial payment systems and methods
US11/869,739 US8600898B2 (en) 2006-10-10 2007-10-09 Electronic payment systems and methods utilizing digitally originated checks
PCT/US2008/078253 WO2009045998A1 (fr) 2007-10-05 2008-09-30 Systèmes et procédés de paiement financier par chèque électronique

Publications (2)

Publication Number Publication Date
EP2198545A1 EP2198545A1 (fr) 2010-06-23
EP2198545A4 true EP2198545A4 (fr) 2011-09-21

Family

ID=40532232

Family Applications (1)

Application Number Title Priority Date Filing Date
EP08834895A Withdrawn EP2198545A4 (fr) 2007-10-05 2008-09-30 Systèmes et procédés de paiement financier par chèque électronique

Country Status (4)

Country Link
EP (1) EP2198545A4 (fr)
CN (1) CN101884189A (fr)
CA (1) CA2701782A1 (fr)
WO (1) WO2009045998A1 (fr)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102801710B (zh) * 2012-07-04 2016-03-02 北京天龙融和软件有限公司 一种网络交易方法和***
US11468410B2 (en) 2012-07-11 2022-10-11 Viewpost, Llc. Universal payment module and system
ITMI20122258A1 (it) 2012-12-28 2014-06-29 Rototype Spa Metodo di realizzazione di un assegno bancario e assegno bancario realizzato con detto metodo
CN105023137A (zh) * 2015-04-29 2015-11-04 杭州猿人数据科技有限公司 电子邮件证据处理***及处理方法
SG10201610774UA (en) * 2016-12-22 2018-07-30 Mastercard International Inc System And Method For Conducting A Transaction
CN106845950A (zh) * 2017-02-06 2017-06-13 吕文华 一种符合二元体系的数字币
CN107067241A (zh) * 2017-02-06 2017-08-18 吕文华 一种二元体系数字币的运行***
CN107067254A (zh) * 2017-02-06 2017-08-18 吕文华 一种二元体系数字币的流通方法
US10664811B2 (en) * 2018-03-22 2020-05-26 Bank Of America Corporation Automated check encoding error resolution
WO2020072956A1 (fr) * 2018-10-05 2020-04-09 Deluxe Corporation Plateforme de traitement de électronique sécurisée et fiable
CN109995613B (zh) * 2019-03-29 2021-02-05 北京乐蜜科技有限责任公司 流量计算方法和装置
CN110580148B (zh) * 2019-09-16 2023-04-18 北京华科软科技有限公司 一种面向一体化的epc项目管理平台

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7103579B1 (en) * 2000-03-23 2006-09-05 Electronic Clearinghouse, Inc. Internet based check cashing and clearing method, apparatus and article of manufacture

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5283829A (en) * 1992-10-01 1994-02-01 Bell Communications Research, Inc. System and method for paying bills electronically
US5884288A (en) * 1996-07-01 1999-03-16 Sun Microsystems, Inc. Method and system for electronic bill payment
US6754640B2 (en) * 2000-10-30 2004-06-22 William O. Bozeman Universal positive pay match, authentication, authorization, settlement and clearing system

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7103579B1 (en) * 2000-03-23 2006-09-05 Electronic Clearinghouse, Inc. Internet based check cashing and clearing method, apparatus and article of manufacture

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
See also references of WO2009045998A1 *
Statement in accordance with the Notice from the European Patent Office dated 1 October 2007 concerning business methods (OJ 11/2007; p572f) The claimed subject matter, with due regard to the description and drawings, relates to processes comprised in the list of subject matter and activities excluded from patentability under Art.52(2) and (3) EPC. The applicant is advised that in accordance with the established practice of the EPO, no search need be performed in respect of those aspects of the claimed invention. The only identifiable technical aspects of the claimed invention relate to the use of conventional, general-purpose data processing technology for processing data of an inherently non-technical nature. The information technology employed is considered to have been generally known as it was widely available to everyone at the date of filing/priority of the present application. The notoriety of such prior art cannot reasonably be contested. No documentary evidence was therefore *

Also Published As

Publication number Publication date
CA2701782A1 (fr) 2009-04-09
EP2198545A1 (fr) 2010-06-23
CN101884189A (zh) 2010-11-10
WO2009045998A1 (fr) 2009-04-09

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Effective date: 20131203