WO1999067720A1 - Apparatus, system and method of printing the authorized user's picture and signature on a check - Google Patents
Apparatus, system and method of printing the authorized user's picture and signature on a check Download PDFInfo
- Publication number
- WO1999067720A1 WO1999067720A1 PCT/US1999/014253 US9914253W WO9967720A1 WO 1999067720 A1 WO1999067720 A1 WO 1999067720A1 US 9914253 W US9914253 W US 9914253W WO 9967720 A1 WO9967720 A1 WO 9967720A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- user
- order
- computer
- bank
- account
- Prior art date
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
-
- 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
- G06Q20/342—Cards defining paid or billed services or quantities
-
- 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
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- 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
-
- 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
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
Definitions
- the merchant may request personal identification and may record the information concerning the identification offered on the back of the check. But if the check is a lost, stolen or fraudulent check, the identification offered may also be fake ⁇ if the identification information is checked, the identification may either be completely fictitious, or it may be that the information "identifies" an innocent third party.
- the check may "bounce" if the account on which the check is drawn has insufficient funds.
- Traveler's checks carry a guarantee of funds by a recognized financial institution. Traveler's checks also provide on their face a type of positive identification in that traveler's
- TM authorized user that provides positive identification of the bearer and guarantees funds for the amount of the instrument.
- PortraitChequesTM are a cash-like financial instrument that can be printed at a computer
- PortraitChequesTM provide positive visual identification of the owner in that the owner's pre-registered picture is printed on the face of the check.
- PortraitChequesTM further provide positive identification in that the owner's pre-registered signature is printed on the face of the check so that the owner can countersign the PortraitChequeTM in front of the bank or
- a user pre-registers with a bank or financial institution by providing, among other things, the user's photograph and the user's signature. Thereafter, the user can request and print PortraitChequesTM using a computer and printer accessible by the user, such as the user's own personal computer and printer.
- the user accesses PortraitChequeTM services through the user- ⁇ accessible computer, such as over the Internet.
- the PortraitChequeTM service verifies the user's authority to request PortraitChequesTM, confirms guarantee of the funds, debits the user's account, credits the guarantor's account, and fills the user's order by formatting and generating the preparation of one or more PortraitChequesTM according to the user's request.
- FIG. 1 is a graphical representation of traditional check stock.
- FIG. 2 is a graphical representation of one embodiment of PortraitChequeTM stock.
- FIG. 3 is an exemplary database organization of information collected in one embodiment of the invention by a PortraitChequeTM Guarantor administering PortraitChequeTM services.
- FIG. 4 is a graphical representation of one embodiment of an online PortraitChequeTM Sign-On user interface screen.
- FIG. 5 is a graphical representation of one embodiment of an online PortraitChequeTM
- FIG. 6 is a graphical representation of one embodiment of an online PortraitChequeTM Order Verification user interface screen.
- FIG. 7 is a graphical representation of one embodiment of an online PortraitChequeTM TM Transaction Status user interface screen.
- FIG. 8 is a graphical representation of one embodiment of an online PortraitChequeTM Printing Status user interface screen.
- FIG. 9 is a graphical representation of one embodiment of printed PortraitChequeTM checks.
- T r FIG. 10 is a graphical representation of one embodiment of the interfaces between a user' s computer and a host computer and certain elements of each computer system.
- FIGS. 11a and 1 lb are flow diagrams representing the logic flow of one embodiment of the invention.
- FIG. 12 is a flow diagram representing the logic flow of a second embodiment of the invention.
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- ⁇ ⁇
- financial institution ⁇
- the user preregisters with a bank, credit card company or other similar financial institution or financial service that sponsors PortraitChequeTM services and guarantees the amounts (the "PortraitChequeTM Guarantor") for which PortraitChequeTM checks are written.
- a computer (300) is programmed to store information in a memory
- the Host Computer may be a computer that is physically present in the physical offices of the
- the Host Computer is any computer system that is accessible through electronic communications with the Guarantor.
- the user (302) accesses a computer (303) configured with a display monitor (304), which may be the same computer as the Host Computer, or a different computer (the "User's Computer”) that can communicate (306), such as electronically, with the Host Computer, such
- the User's Computer (303) is configured to communicate (307) with a printer (305) (the "User's
- the term User's Printer includes but is not limited to offset printers, dot-matrix printers, ink-jet printers, laser-jet printers, laser printers, and further includes all printing devices with which the Host Computer can communicate electronically and/or telephonically either directly or indirectly. Further, the term User's Printer in the context of this application includes any device which transfers the communication of information from the Host Computer to a
- the user (302) accesses the User's Computer (303) through a user interface displayed on the display monitor (304) configured with the User' s Computer. Through the user interface, the user (302) communicates a request to the Host Computer (300) to order a PortraitChequeTM check in an amount specified by the user (the "User's Order"). As part of the User's Order, the user requests that one or more r PortraitChequeTM checks be printed, and causes the printing of one or more PortraitChequeTM check at the User's Printer (305) for the amount requested. As part of the User's Order, the user causes a debit to the user's account for the amount requested and a credit to the PortraitChequeTM Guarantor's holding account for the amount requested.
- the "Check” is a smart card
- the "User Printer” is a smart card
- ⁇ is a device that records information in electronic or magnetic form on the memory device of the smart card.
- the user places the order over the telephone.
- the Host Computer system prompts the user to enter the required information using voice instructions.
- Voice commands and/or telephone keypad commands are entered by the user in response to the Host ⁇ r Computer system's voice prompts.
- the user's telephone is electronically connectable to a User's
- the printed PortraitChequeTM check is a negotiable instrument.
- the printed 0 PortraitChequeTM check can only be presented to a merchant or other entity by the user/account holder. If the PortraitChequeTM check is presented to a merchant, the merchant must deposit the PortraitChequeTM check; the merchant cannot endorse the check for further use as can be done in the case of a traditional check.
- FIG. 1 is a graphical representation of traditional check stock.
- traditional check stock is imprinted with the account holder's name and address (1), and bears a check number (2a and 2b) that is unique to the account holder's bank account (also referred to in the banking).
- MICR MICR
- TM industry as the "transit field”
- Traditional checks bear what are known in the banking industry as “MICR” numbers (8) located at the bottom of the check.
- MICR numbers contain the routing number for the account holder's bank (also referred to in the banking industry as the “on us field” (6), the account holder's bank account number (7), and the check number (also referred to in the banking industry as the "auxiliary on us field”) (2b).
- FIG. 2 is a graphical representation of one embodiment of PortraitChequeTM stock.
- the account holder's picture (10) is printed on the face of the PortraitChequeTM check stock.
- the name of the bank or other financial institution (12) guaranteeing the amount of the check, the PortraitChequeTM Guarantor, (11) appears on the face of the PortraitChequeTM check stock.
- PortraitChequeTM check stock provides a space in which the amount of the check can be printed by a computer printer in numerical digits (14) and in alphabetic text (13).
- a space in which the amount of the check can be printed by a computer printer in numerical digits (14) and in alphabetic text (13).
- a digitized impression of the user's signature can be printed by a computer printer (19).
- the user will preregister with the guaranteeing financial institution. Preregistration will include the user supplying, among other things, the user's photograph and signature exemplar.
- the PortraitChequeTM check number (16a) is unique as to all other PortraitChequeTM check numbers, not just for the particular user's account.
- the 5 PortraitChequeTM MICR numbers (17) contain the routing number for the PortraitChequeTM
- the PortraitChequeTM MICR numbers (17) are printed against a blank background.
- the PortraitChequeTM check stock provides a place for the user to countersign the check (21).
- PortraitChequeTM checks provide merchants accepting PortraitChequeTM checks with positive identification of the bearer by displaying the picture of the individual (10) and the bearer's preregistered signature (19). PortraitChequeTM checks also provide the merchant with guaranteed funds. At the same time, PortraitChequeTM checks protect the bearer's privacy by not supplying the merchant with the user's/bearer's bank account information, a printed form of
- the PortraitChequeTM check stock embodiment depicted in FIG. 2 contains only a single photograph. It should be understood that references herein to the user's photograph means the user's facial image, whether as a photograph on photographic film or in some other medium as with a digital file. In the preferred embodiment, the photograph is in color. Joint account
- O holders or others can choose between multiple photographs, a single joint photograph, or separate check stock for each of the joint account holders.
- Joint account holders can further choose between printing digital representations of multiple signatures on the check or separate check stock for each of the joint account holders.
- the account holder's photograph does not appear on the
- a user will typically register for PortraitChequeTM services by providing information similar to that required when opening an account with a bank. Registration can be done in several ways. Registration can be done by the user presenting the information in person at a physical place, such as the Guarantor's office location. Partial registration can be done over the telephone. In the case of telephone registration, signature and photograph exemplars is
- signature and photograph exemplars can be forwarded to the bank either physically, such as by mail, or electronically, such as by fax, or preferably, by using a scanning device to digitize the signature and/or photograph exemplars and by electronically communicating the digitized form of the exemplars to the Guarantor's registrar.
- the Guarantor when the user provides physical signature and photograph exemplars to the Guarantor, the Guarantor must digitize the exemplars, such as by scanning them with a scanning device, so that the exemplars can be saved in the memory of the Host Computer.
- FIG. 3 is an exemplary database organization of information collected in one embodiment ⁇ of the invention by a PortraitChequeTM Guarantor administering PortraitChequeTM services.
- the database is stored in the memory of the Host Computer, or is stored in memory that is accessible by the Host Computer.
- Standard information is collected such as how the account is held (30), and then for each account holder (31): the account holder's Name (32), Social Security number (33), Home
- each account holder (31): each Bank identification and each Bank Account number in which the account holder holds an account (44). In one embodiment, a single Bank identification and Bank Account number(44)
- the bank identification is the identifier of the Guarantor and would not typically be collected and maintained for each individual account holder.
- the Guarantor offers PortraitChequeTM service to multiple banks, the following information would typically be recorded for each Bank identification and Bank Account number for one or more banks and for one or more accounts in
- each bank (44) Bank ID (45), Bank electronic routing number (46), user's Bank account number
- each account holder (31) each Credit Company and Credit Card account number with which the account holder holds an account (49). In one embodiment, only a single Credit Company and Credit 5 Card account number with which the account holder holds an account (49) is recorded. In an embodiment of the invention in which the Guarantor offers PortraitChequeTM service to multiple Credit Card Companies, the following information would typically be recorded for each Credit Company and Credit Card account number for one or more credit companies and for one or more accounts with each card company (49): Credit Company ID (50), Credit card account number
- the security code is initialized as described above but is available for modification by the user.
- the memory of the Host Computer can be any type of computer memory, typically RAM such as on disk, hard drive, or other such memory device.
- the term "recorded" includes storing the information on the memory of such a computer memory storage device.
- the PortraitChequeTM check number (4) is recorded.
- the date on which the PortraitChequeTM check number is supplied to the user (67) is also recorded.
- the following information is recorded: Check amount ordered (56), date ordered (57), Account (credit or bank) from which ordered (58), amount debited from user's account (59), Check amount presented (60), date presented (61),
- the PortraitChequeTM check number for which the user places an order is recorded with the order transaction (65). In one embodiment, the actual PortraitChequeTM check number presented for processing is recorded with the presentment transaction (66).
- the information concerning the individual account and account holder (1-52) may be physically supplied to the Guarantor at the time the account is opened.
- the account holder may supply the information online, or through a any combination of online and physical delivery of the information requested.
- the date of supply (67)) supplied to the user will be provided by the entity that supplies the check stock to the user (which may be the Guarantor, or a third party PortraitChequeTM check stock supplier).
- the user can request a certain number of PortraitChequeTM check
- the user's request for PortraitChequeTM check stock includes an application procedure for a certain credit limit.
- the credit limit application can be made in person, by mail, by telephone, or online.
- the user's photograph is pre-printed on the
- the user's digitized photograph is downloaded from or otherwise communicated from the Guarantor's database to the user's computer each time the user orders one or more checks and is printed in color ink on each check ordered.
- the user's signature is pre-printed on the PortraitChequeTM
- the user's digitized signature is downloaded from or otherwise communicated from the Guarantor's database to the user's computer each time the user orders one or more checks and is printed on each check ordered.
- the user is provided software that must be installed on the user's computer.
- the software can be provided on transferrable memory medium such as CD- ROM, floppy disk, or other like memory medium.
- the software can also be provided through
- no software needs to be installed on the user's computer.
- all of the PortraitChequeTM functionality is accessible online by accessing the Guarantor's PortraitChequeTM service website.
- additional information is needed to properly format and print the PortraitChequeTM checks.
- the additional i information required includes data concerning the user's computer system configuration, including among other things, the printer configuration.
- the PortraitChequeTM user elects the PortraitChequeTM service from the user's online banking or money management system. As shown in FIG. 4, the user enters a Member Sign-on screen where the user is asked
- Navigation about the screen can be accomplished in a number of ways, including using a track-ball, mouse, or other such device to position the on-screen cursor to the appropriate position.
- the Tab bar on the user's computer keyboard can be used to move from one field to the next.
- the PortraitChequeTM system validates the security information by comparing the information supplied by the user in the on screen query of the Member Sign-on screen with the security information contained in the Guarantor's database. This comparison can be done in multiple ways. In one embodiment, the security information for the particular user in the Guarantor's database is downloaded or
- the security information supplied by the user in the on screen query is uploaded or otherwise communicated to the Guarantor's PortraitChequeTM system which then performs the security validation. If the information is validated, the user is asked to click the on-screen "button" (103)
- the user is asked to select the account from which the amount order is to be debited (110).
- the selection in this embodiment is a pull-down menu.
- the user is asked to identify the starting check number (111).
- the user is then asked to indicate the denomination of checks (115-117) to be printed and the number of checks for each denomination (112-114).
- the user can specify a particular dollar amount as opposed to specifying a pre-defined denomination.
- the denomination such as with cash, must be selected from a pull-down menu.
- the online screen displays the starting check with the appropriate check number (118).
- the user's picture displayed on-screen (121) is downloaded from or otherwise communicated from the Guarantor's database to the user's computer for one or more purposes, one of which is to display the picture on screen.
- persons other than the user can access this basic information displayed as an on-screen sample of the user's PortraitChequeTM check (118, 121).
- This on screen display can be used for various purposes, one of which is the verification of the validity of the PortraitChequeTM at the time that it is presented to a merchant.
- This type of feature will be referred to herein as the "Verification Feature.”
- O In an embodiment that provides the Verification Feature, the merchant to whom a
- PortraitChequeTM is presented for use as a cash-like instrument has access to a computer with a display monitor and a device for user entry.
- the user entry device can be of various forms, including but not limited to a keyboard, a scanning device, or other similar device allowing user input.
- the user entry device is provided so that the merchant can enter the MICR number at the
- the merchant's computer is capable of being electronically connected to a PortraitChequeTM system.
- the merchant's computer can be connected to one or more Guarantors' websites on the Internet or other global communications network.
- references to the Internet apply equally to any other global communications network and further apply to direct communications to a standalone system or network such as through a direct telephone line or other such communication.
- the merchant enters the MICR number of the check. This input process can also be accomplished by a telephone link. However, it is desirable for the merchant to have access to a display monitor for the reasons set forth next.
- Feature searches the Guarantor's database for the unique PortraitChequeTM check number, which is related to a single account holder.
- the Guarantor's PortraitChequeTM Verification Feature then retrieves the account holder's digitized photograph and digitized signature from the Guarantor's database and generates the signals necessary to display the account holder's photograph and signature in the on screen display viewable by the merchant on the merchant's display monitor.
- the account holder's photograph and signature can be displayed.
- the digitized photograph and signature are downloaded or otherwise communicated to the merchant's computer which then displays the information.
- the PortraitChequeTM Verification software would be installed on the merchant's computer and would receive the downloaded digitized photograph and signature and would generate the signals necessary to display the photograph and signature on the merchants display monitor.
- the merchant's computer is connected electronically to the Guarantor's PortraitChequeTM system, such as through the Guarantor's PortraitChequeTM website. In this case, the Guarantor's PortraitChequeTM system retrieves the digitized photograph and signature from the database and generates the signals necessary to display the
- the account holder's photograph and signature can be displayed in a standalone fashion.
- a sample blank check similar to the one displayed (118) in FIG. 5 would appear on the merchant's display monitor. The merchant would then be able to visually compare
- FIG. 6 depicts the next screen in this User Print embodiment.
- the user is instructed to review the user's selections (130).
- 25 check number (132), the number of $25 denomination checks requested (133), the number of $50 denomination checks requested (134), the number of $100 denomination checks requested (135), the total dollar amount of checks requested (136), the total number of checks to be printed (137), and a sample check (138) are displayed on the screen. If the user is satisfied with the information displayed, the user is asked to click the on-screen "button" (139) to print checks.
- the PortraitChequeTM system calculates the total number of PortraitChequeTM check stock available to the user. To do this, the PortraitChequeTM system counts the total number of PortraitChequeTM checks supplied to the user (sum of element 54) and subtracts the number of checks that have been ordered (sum of element 65). If the user requests that more checks be
- the user When the user is alerted that the user has exceeded the number of checks available or has exceeded the amount of money available, the user is given the option of modifying the user's request as depicted on FIG. 5 and resubmitting the modified order.
- the user ⁇ o is alerted to the above-mentioned warning conditions after completing the order as depicted in
- FIG. 5 the user is alerted to the warning conditions after approving the transaction as depicted in FIG. 6.
- the user is alerted to the warning conditions during the processing of the transaction, as depicted in FIG. 7 as described below.
- the user is then given a series of instructions to prepare the user's printer and PortraitChequeTM check stock (150). Once the user has prepared the printer and the
- Guarantor's PortaitCheque system updates the PortraitChequeTM database for the particular user with the appropriate check number, date and amount ordered information; debits the user's account; and credits the Guarantor's holding account with the amount of money ordered by the user.
- FIG. 9 depicts four checks printed according to the selections made by the user.
- the appropriate number of checks are printed for each denomination as selected by the user.
- the denomination is printed in text (160, 162, and 164) and in numeric digits (161, 163, 165).
- the user's digitized signature is downloaded from or otherwise communicated from the Guarantor's database to the user's computer and printed on each check (166).
- the user's computer formats the user interface online screens described herein, such as the online PortraitChequeTM Sign-On screen as depicted in FIG. 4, the online PortraitChequeTM Order screen as depicted in FIG. 5, the online PortraitChequeTM Order Verification screen as depicted in FIG. 6, the online PortraitChequeTM Transaction Status screen as depicted in FIG. 7, and the online PortraitChequeTM Printing Status screen as depicted in FIG. 8.
- the host computer provides the user's computer with the information such as account balance information.
- the user's computer performs the various types of checking and validation, and sends signals to the host computer to perform the actions to debit the user's account and credit the guarantor's
- ATM/Automated Kiosk Printing An alternative type of embodiment to the User Print embodiment is one in which the user goes to an ATM or other similar type of Automated Kiosk device. For the sake of simplicity, references herein to this class of devices will be made by using the label "ATM". However it
- PortraitChequeTM is one of the service
- the user provides the user's ATM card and appropriate security information, such as the user's ATM Personal Identification Number ("PIN"), and selects the PortraitChequeTM option. Inside the ATM, PortraitChequeTM stock is loaded. Based on the user's selection, the ATM accesses the PortraitChequeTM service database and verifies the security information. The user requests a certain number of checks, either by selecting an
- the ATM downloads or otherwise communicates and transfers the user's digitized photograph from the PortraitChequeTM database. In one embodiment, the ATM also downloads the user's digitized signature. The downloaded information is printed by the ATM on each check ordered by the user. The ATM prints the
- the ATM also prints the text and numerical digits for the amount ordered for each check.
- the ATM assigns and prints a check number, including printing the check number as part of the MICR number on the bottom of the check.
- the MICR number is printed using magnetic toner.
- the check number instead of the ATM printing the check number, the check number has been pre-
- the ATM reads the check number as it is used by a device such as an optical scanner.
- the ATM updates the PortraitChequeTM database for the particular user with the appropriate check number, date and amount ordered information; debits the user's account; and credits the Guarantor's holding account.
- FIGS. 1 la and 1 lb are flow diagrams depicting the computer program processing by the Host Computer of a user order for PortraitChequeTM services.
- the User Order (400) is received by the Host Computer.
- the Host Computer is programmed to use the information contained in the User Order (400) to access the User Database (402) to find (401) the information contained in the User Database (402) concerning the particular user.
- the Host Computer is further programmed to validate the user's order (403) by comparing security and identification information contained in the User's Order (400) with information retrieved from the User
- the Host Computer is programmed to reject the order (404), notify the user that the order is rejected (405), and stop processing the order any further (406) until receiving further instructions from the user.
- the Host Computer is programmed to compare (407) the
- the Host Computer is programmed to reject the order (404), notify the user that the order is rejected (405), and stop processing the order any further (406) until receiving further
- the Host Computer is programmed to compare (408) the amount of money for which the user is placing an order with a pre-established daily limit for the amount of money that the user can order.
- the daily limit is user-specific.
- a single daily limit amount is used to limit the orders of each and every user—that is, no user is allowed to order more than, for instance, $500.00 per day of PortraitChequeTM checks. If the amount of money for which the user is placing an order is not less than or equal to the amount of amount of the Daily Limit, then the Host Computer is programmed to reject the order (404), notify the user that the order is rejected (405), and stop
- the Host Computer is programmed to update (409) the total amount of money for which the user has ordered that day ("Today' s-Limit") with the amount of money being ordered. "Today' s-Limit" is user-specific and is zeroed at the beginning of each
- the Host Computer is programmed to compare the user-specific value for Today's-Limit with the pre-established Daily Limit. If the user-specific Today's-Limit is not less than or equal the pre-established Daily Limit, then the Host Computer is programmed to reject the order (404), notify the user that the
- steps 408, 409, or 411 are performed.
- step 408 is performed but steps 409 and 411 are not performed.
- some of steps 408, 409, and 411 are performed for certain specified users but are not performed for all j o users— performance of steps 408, 409, and 411 is determined by information contained in the
- the Host Computer fills the order (412) by accessing the User's data on the User Database, debiting the user's account (413) for the order amount, and transferring the amount of the order (414) to the Guarantor's account
- the transfer (414) to the Guarantor's account (415) can be done by updates to the User
- the transfer (414) to the Guarantor's account (415) is performed by generating a transaction for an electronic transfer of money from the user's account to the Guarantor's account (415).
- the electronic transfer transaction can be addressed to (as with an electronic address), and communicated to, the bank or other financial institution with which
- the user has an account, as with electronic or telephonic communication links.
- the money transferred to the Guarantor's account (415) remains in that account until (often referred to in banking terms as "float") a merchant to whom the user has given one or more of the ordered checks presents one or more of the ordered checks for cash or other transfer processing.
- the Guarantor's float can be subdivided between one or more parties of interest.
- the Guarantor, the user's bank, and the supplier of the PortraitChequeTM stock all share in some percentage of the float. This example of sharing the float is illustrative and is not a limitation of this feature.
- the Host Computer is programmed to generate transactions (416) for printing the appropriate checks at the User Printer.
- the transfer of money from the user's account to the Guarantor's account is not performed immediately.
- the Host Computer is programmed to generate transactions (416) for printing the appropriate checks at the User Printer even though the funds have not yet been transferred to the Guarantor's account.
- the Host Computer generates a transaction to transfer money from the
- the funds are transferred from the Clearing Account to the Guarantor's account.
- the Host Computer is further programmed to notify the user that the check(s) are ready to be printed (417). When the user indicates that the User's Printer is ready (418), then the Host Computer is programmed to send the print check transaction(s) (420) to the User's Printer and wait for further instructions (406).
- communications between the User Computer and the Host Computer are encrypted.
- Encrypted data is communicated using a method of cryptography such as Secure Socket Layer (SSL) or any other method of cryptography.
- SSL Secure Socket Layer
- selected portions of the communications between the User Computer and the Host Computer are encrypted.
- the Host Computer is programmed to perform foreign currency conversions at the user's request to print checks in any currency, including U.S. dollars , 5 as well as any foreign currency, to debit a user's account for a certain ordered amount of money and to transfer that money to the Guarantor's account in U.S. dollars as well as any foreign currency, and to perform all activities and functions according to one or more user-specified currencies.
- a user registered with a U.S. bank provider of PortraitChequeTM services accesses a PortraitChequeTM-equipped ATM in a foreign country.
- the user requests PortraitChequeTM services.
- the user requests a PortraitChequeTM check in the amount of $50 (fifty U.S. Dollars) and selects the foreign currency option.
- the user requests that the PortraitChequeTM be printed 25 in French francs and that the user's account be debited in U.S. dollars.
- the Host Computer is programmed to debit the user's account for the amount of money ordered in the currency selected by the user and to convert the amount of money ordered by the user to the currency for which the user has specified the check to be printed, which in this example is the French Franc.
- the Host Computer is further programmed to allow the Guarantor
- the user's account will be debited for $50 U.S. Dollars, and the check is printed at the ATM in French francs for an amount equivalent to $50 U.S. Dollars.
- there is a service charge for each check ⁇ 5 printed and the user can specify whether the service charge is to be additionally debited from the user's account, or alternatively, whether the service charge is to be subtracted from the check printed.
- the service charge option applies equally to domestic U.S. transactions as well as to foreign transactions.
- FIG. 12 is a flow diagram of certain functions and elements of this embodiment of the invention.
- a Vendor supplies preprinted PortraitChequeTM check stock to the user.
- the pre-printed check stock includes MICR number encoding including a check number.
- the Vendor supplies a software
- PortraitChequeTM check stock is placed in the user's printer's access bin ready for use.
- the user i activates PortraitChequeTM software by clicking a PortraitChequeTM icon (200), such as by clicking the icon with a computer mouse.
- PortraitChequeTM software brings up a security code challenge to the user that prompts the user to key in the user's password (201).
- the user keys in a password (202).
- the user's computer verifies the password (203). If the user has keyed in an incorrect password, the user's computer then again prompts the user to enter a password
- the PortraitChequeTM software connects the user's computer to the bank's computer (204).
- the user's computer connects to the bank's computer by using for instance a modem interface and dialing the user's bank's on-line computer or by connecting the user's computer to the Internet through an Internet service provider (ISP) which in turn connects the user to the bank's website through the Internet.
- ISP Internet service provider
- the user's computer screen When the user is connected to the bank's on-line computer, the user's computer screen displays the bank's name together with a menu of available bank services (205). Also displayed is the bank's security code challenge that prompts the user to enter a password (206).
- the user enters the user's security challenge code (207).
- the bank's computer verifies the security code entered by the user (208). If the user enters incorrect security challenge code information, access to the bank's on-line services is denied and the user is prompted to re-enter the security code (206). If the user is unable to enter a correct password on the second try, the bank's computer terminates its program
- the user After entering correct security challenge code information, the user is presented with a PortraitChequeTM Order screen (209) and is asked to supply the user's next available PortraitChequeTM check number (210). The user enters the next available PortraitChequeTM check number (211).
- the PortraitChequeTM check stock vendor supplies the bank with the start and end check numbers provided to each user.
- the bank's computer tracks the check numbers used by each user and checks the number provided by the user with the number that the bank's computer expects (212).
- the bank's computer posts an onscreen message to the user's display monitor that the check number is incorrect and asks that the user re-enter the next check number (210).
- the bank's computer posts an onscreen request to the user's display monitor for the user's explanation of the disposition of missing check numbers (213). The user enters missing check numbers and explanations to reconcile the check number problem (214). If the user is unable to reconcile the check number problem, the bank's computer terminates its program (216), notifies bank security (217) and terminates the
- the bank's computer unknown to the user, interrogates the user's PortraitChequeTM installation on the user's computer (219), for a unique security identification code.
- the PortraitChequeTM software installed on the user's computer is programmed to provide the appropriate unique security identification code.
- the bank's computer attempts to verify the 0 security identification code (241). In the event the unique security identification code is incorrect or is not properly supplied, the bank's computer terminates its program (216), notifies bank security (217) and terminates the Internet connection (218).
- the bank's computer presents onscreen to the user's display monitor a PortraitChequeTM Order screen (220).
- 25 bank's computer then displays an onscreen request on the user's display monitor for the user to choose a payment method.
- the user can select to use the user's bank account as a payment method or a particular credit card account. If the user chooses to user the user's bank account as a payment method, the bank's computer requires entry by the user of the user's bank account type (e.g., savings or checking) and/or number.
- the bank's computer displays the funds
- the bank's computer displays the credit amount available to the user (223) and seeks credit card authorization (224). If the user selects some other credit card for use to pay, the bank's computer prompts the user to enter the card number and expiration date (222). Once the credit card information is entered by the user, the bank's computer seeks credit card
- payment method authorization processing is done in parallel, in the background, while the user completes the order. If for some reason authorization fails, the bank's computer terminates its program (216), notifies bank security (217) and terminates the Internet connection (218).
- the bank's computer allows the user to, and the user does, enter quantities of PortraitChequesTM checks and the particular denominations of PortraitChequesTM desired (226).
- a "Finish” or “Done” icon is also displayed. To complete the transaction, the user clicks the "Finish” or "Done” icon (227).
- the bank's computer displays a recapitulation of the user's order (228) [including check numbers, quantities, denominations, and total order amount to be debited from user's bank account] on the user's computer's display monitor screen.
- Two “boxes” are presented — one labeled “correct”; the other labeled “incorrect”. If the user clicks the "incorrect” box (229), the order entry screen is re-displayed and the user is allowed to modify the order (220). Once the user has completed the modifications to the order, the user clicks the "Finish” or "Done” icon to complete the order.
- a new recapitulation is posted on the user's screen (228) together with the "correct” or "incorrect” boxes.
- the bank's computer debits the user's bank account for the total amount of the PortraitChequesTM issued and credits the bank's PortraitChequeTM account for the same amount (231).
- PortraitChequeTM affords several advantages to the bank. Unlike the user's personal demand deposit account, the bank need not prepare a monthly statement incorporating cleared
- portraitChequesTM The bank merely posts a debit to the user's monthly bank account statement (or credit card statement, if the credit card was used as a source of funds). Reconciliation of all PortraitChequesTM issued by the bank to all users is done in one giant PortraitChequeTM account, as is done now by all issuers of traveler's checks. The bank further obtains the total value of interest earned on the float of the PortraitChequeTM account as is realized by issuers of traveler's checks.
- the bank further records, for reconciliation upon clearing payment, the check numbers of the PortraitChequesTM approved together with the face amount of each check.
- An authorization number for this order is further recorded on the bank's record.
- the bank's computer sends the user's computer an authorization code together with a bank officer's signature, the date of issue, and the denomination of the PortraitChequesTM ordered together with the number of PortraitChequesTM to be printed in each denomination (232).
- the bank's computer then terminates the connection (233).
- the user's PortraitChequeTM software displays on the user's display monitor the computer screen inquiry "Ready to Print?" (234) with two options — one for "Yes”; a second option for "No".
- the user checks to ensure that the PortraitChequeTM check stock is in place in user's computer printer and inserts the check stock if none was previously provided (236).
- the user indicates that it is OK to print by clicking the "Yes” option (237).
- the bank name, check number, denomination, user photograph, user signature and bank guarantee signature are printed by the user's color printer on the PortraitChequeTM check stock (238) to create negotiable
- PortraitChequesTM may be negotiated by the user (owner) at point of sale, by writing in the name of the payee and signing the user's (owner's) name on the counter signature line of the PortraitChequeTM. The payee endorses the reverse side of the PortraitChequeTM and deposits it in the payee's bank account to obtain good funds.
- a second further illustrative embodiment of the present invention is as follows.
- a PortraitChequeTM check stock vendor preprints the user's color photograph and signature and other information such as the MICR number on the check stock.
- the user prints the denomination on the PortraitChequeTM stock for use.
- the check stock can be shipped in larger quantities by the bank or the bank's check stock vendor, safeguarded from theft and use by any other than user
- Checks pre-printed by the bank or the bank's check stock vendor are printed by a high quality color printer such as a laser color printer ⁇ the color ink is impregnated into the check stock, as opposed to a lower quality color printer such as a color ink jet printer which deposits color on the surface of the check stock
- the user can rely on a black-and-white printer because the color printing has been pre-printed by the check stock manufacturer.
- the user-to-be accesses the PortraitCheque.com website, or TM alternatively the PortraitChequeTM option icon at his online banking website to register for
- the PortraitCheque.com website displays a list of participating online banks and credit card companies. The user locates and selects the bank or credit card company of the user's choice. The PortraitCheque.com website directs the user to the ., 5 chosen bank's website's PortraitChequeTM page. If the user-to-be' preferred bank or credit card is not listed as offering PortraitChequeTM services, the user can select the option of "bank not found.” Choosing the "bank not found" option causes the PortraitCheque.com website to display a bank information screen offering to contact the user by e-mail to notify the user when/if the user's chosen bank or credit card company will offer PortraitChequeTM services in the future. PortraitChequeTM icon at user's online bank. The user selects the PortraitChequeTM
- the registration form will include the user's full name, social security number, and address.
- the bank can verify that this information matches the information that the bank already has for the user if the user is an existing customer of the bank. The user also
- 5 specifies the user's computer manufacturer and model, printer manufacturer and model, and the user's software media preference (e.g., CD ROM or floppy disk) from checklists.
- the user's computer manufacturer and model e.g., printer manufacturer and model
- the user's software media preference e.g., CD ROM or floppy disk
- the user must also supply a photograph and a sample of the user's signature with the registration form. If the user completes an online application, the user is given the option of scanning the user's photograph and signature exemplar into the online application.
- the user can request that a pre-paid mailer with a signature form be sent to the user.
- the pre-paid mailer would contain instructions listing requirements for photo size and type (e.g., specifying that a standard color passport photo is acceptable). User further specifies method of payment.
- the user is provided with an online option to use a method of payment other than an account with the bank, such as a credit card.
- a method of payment other than an account with the bank, such as a credit card.
- the online screen user interface displays an order summary, thanks the user for registering for PortraitChequeTM services and indicating approximately when user will receive his application materials, photo/signature form mailer, or in the case of the fully online
- a PortraitChequeTM package consisting of: r • Software CD or floppy disk in IBM or Macintosh format (or alternatively, the software can be downloaded from the PortraitChequeTM website) • user manual (or alternatively, the user manual can be downloaded from the PortraitChequeTM website)
- the user installs the PortraitChequeTM software on the user's computer. For instance, the user downloads the PortraitChequeTM software from the PortraitChequeTM website or inserts the i ⁇ PortraitChequeTM software CD or floppy disk and proceeds through software installation procedures. During installation, the user provides such information as the specifications for the operating system, the user's configuration of printer drivers, and if applicable configuration of the photo-ball.
- the user is presented with a new account set-up screen.
- the user is prompted to register the PortraitChequeTM software. Specifically, the user is prompted to enter the PortraitChequeTM software serial number.
- the user sets up and verifies his PortraitChequeTM password, and enters his initial check stock number.
- the PortraitChequeTM check stock vendor will have supplied the bank with the correct initial check number. If the 20 initial check number input by the user correctly matches the initial check number provided to the bank by the PortraitChequeTM check stock vendor, an online screen displays a message indicating that sign-up is complete and that the user can begin using the PortraitChequeTM service.
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU47129/99A AU4712999A (en) | 1998-06-24 | 1999-06-24 | Apparatus, system and method of printing the authorized user's picture and signature on a check |
GB0031453A GB2355561A (en) | 1998-06-24 | 1999-06-24 | Apparatus, system and method of printing the authorized user's picture and signature on a check |
Applications Claiming Priority (10)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US9054398P | 1998-06-24 | 1998-06-24 | |
US60/090,543 | 1998-06-24 | ||
US9158498P | 1998-07-02 | 1998-07-02 | |
US60/091,584 | 1998-07-02 | ||
US10052898P | 1998-09-16 | 1998-09-16 | |
US60/100,528 | 1998-09-16 | ||
US12919799P | 1999-04-14 | 1999-04-14 | |
US60/129,197 | 1999-04-14 | ||
US13373499P | 1999-05-12 | 1999-05-12 | |
US60/133,734 | 1999-05-12 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO1999067720A1 true WO1999067720A1 (en) | 1999-12-29 |
WO1999067720A9 WO1999067720A9 (en) | 2000-06-02 |
Family
ID=27536570
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1999/014253 WO1999067720A1 (en) | 1998-06-24 | 1999-06-24 | Apparatus, system and method of printing the authorized user's picture and signature on a check |
Country Status (3)
Country | Link |
---|---|
AU (1) | AU4712999A (en) |
GB (1) | GB2355561A (en) |
WO (1) | WO1999067720A1 (en) |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1071272A2 (en) * | 1999-07-22 | 2001-01-24 | Eastman Kodak Company | Authorizing the printing of digital images |
EP1130497A2 (en) * | 2000-02-08 | 2001-09-05 | Ricoh Company | Device management system in a network |
EP1134710A2 (en) * | 1999-12-28 | 2001-09-19 | Eastman Kodak Company | Printing verified pre-approved images |
WO2001088884A1 (en) * | 2000-05-16 | 2001-11-22 | The Upper Deck Company, Llc | Method and apparatus for authenticating unique items such as sports memorabilia |
Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4083635A (en) * | 1975-10-01 | 1978-04-11 | Reed Jr Thomas K | Method of producing positive identification checks |
US4593936A (en) * | 1984-03-06 | 1986-06-10 | Opel George E | Universal credit card |
US4865351A (en) * | 1988-08-11 | 1989-09-12 | Smithson Harry A | Photo check |
US5484988A (en) * | 1992-11-13 | 1996-01-16 | Resource Technology Services, Inc. | Checkwriting point of sale system |
US5748755A (en) * | 1992-05-08 | 1998-05-05 | Moore Business Forms, Inc. | Picture checks |
US5838814A (en) * | 1996-01-02 | 1998-11-17 | Moore; Steven Jerome | Security check method and apparatus |
US5863074A (en) * | 1996-12-23 | 1999-01-26 | Wilkinson; Rudolph P. | Fraud inhibiting personal check and method |
-
1999
- 1999-06-24 AU AU47129/99A patent/AU4712999A/en not_active Abandoned
- 1999-06-24 GB GB0031453A patent/GB2355561A/en not_active Withdrawn
- 1999-06-24 WO PCT/US1999/014253 patent/WO1999067720A1/en active Application Filing
Patent Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4083635A (en) * | 1975-10-01 | 1978-04-11 | Reed Jr Thomas K | Method of producing positive identification checks |
US4593936A (en) * | 1984-03-06 | 1986-06-10 | Opel George E | Universal credit card |
US4865351A (en) * | 1988-08-11 | 1989-09-12 | Smithson Harry A | Photo check |
US5748755A (en) * | 1992-05-08 | 1998-05-05 | Moore Business Forms, Inc. | Picture checks |
US5484988A (en) * | 1992-11-13 | 1996-01-16 | Resource Technology Services, Inc. | Checkwriting point of sale system |
US5838814A (en) * | 1996-01-02 | 1998-11-17 | Moore; Steven Jerome | Security check method and apparatus |
US5863074A (en) * | 1996-12-23 | 1999-01-26 | Wilkinson; Rudolph P. | Fraud inhibiting personal check and method |
Non-Patent Citations (2)
Title |
---|
Clarke American Expands Security Precaution, Joins National Movement to Battle Check Fraud, Texas Banking, February 1995, Vol. 84, No. 2, page 10. * |
Coming June 13: Bank One Launches First Personalized Photo Card for Credit Card and Checking Card Customers in Colorado, May 1994. * |
Cited By (13)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1071272A2 (en) * | 1999-07-22 | 2001-01-24 | Eastman Kodak Company | Authorizing the printing of digital images |
EP1071272A3 (en) * | 1999-07-22 | 2002-04-10 | Eastman Kodak Company | Authorizing the printing of digital images |
US6842533B1 (en) | 1999-12-28 | 2005-01-11 | Eastman Kodak Company | Printing verified pre-approved images |
EP1134710A2 (en) * | 1999-12-28 | 2001-09-19 | Eastman Kodak Company | Printing verified pre-approved images |
EP1134710A3 (en) * | 1999-12-28 | 2002-04-17 | Eastman Kodak Company | Printing verified pre-approved images |
EP1130497A2 (en) * | 2000-02-08 | 2001-09-05 | Ricoh Company | Device management system in a network |
EP1130497A3 (en) * | 2000-02-08 | 2001-12-19 | Ricoh Company | Device management system in a network |
EP1273995A2 (en) * | 2000-02-08 | 2003-01-08 | Ricoh Company, Ltd. | Device management system |
EP1273995A3 (en) * | 2000-02-08 | 2003-06-18 | Ricoh Company, Ltd. | Device management system |
US7216360B2 (en) | 2000-02-08 | 2007-05-08 | Ricoh Company, Ltd. | Device management system, management client, controller server, method for managing usage context of device, and recording medium which records the method |
WO2001088884A1 (en) * | 2000-05-16 | 2001-11-22 | The Upper Deck Company, Llc | Method and apparatus for authenticating unique items such as sports memorabilia |
US7027623B2 (en) | 2000-05-16 | 2006-04-11 | The Upper Deck Company, Llc | Apparatus for capturing an image |
JP2003533805A (en) * | 2000-05-16 | 2003-11-11 | ジ・アッパー・デック・カンパニー・エルエルシー | METHOD AND APPARATUS FOR VERIFYING A SOLE ARTICLE AS A SPORTS MEMBERS |
Also Published As
Publication number | Publication date |
---|---|
GB2355561A (en) | 2001-04-25 |
WO1999067720A9 (en) | 2000-06-02 |
GB0031453D0 (en) | 2001-02-07 |
AU4712999A (en) | 2000-01-10 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US10558960B2 (en) | Cash payment for remote transactions | |
US8793187B2 (en) | Self-service money remittance with an access card | |
US8051003B2 (en) | Systems and methods of introducing and receiving information across a computer network | |
US6164528A (en) | Check writing point of sale system | |
US7849015B2 (en) | Electronic postal money order method and system | |
US7506809B2 (en) | Systems and methods for configuring a point-of-sale system | |
US6886742B2 (en) | Systems and methods for deploying a point-of sale device | |
US7496537B2 (en) | User-generated traveler's checks | |
US6827260B2 (en) | Systems and methods for utilizing a point-of-sale system | |
AU744051B2 (en) | Electronic invoicing and payment system | |
US7766225B2 (en) | Issuing a value-bearing card associated with only non-personally identifying information | |
US20030130940A1 (en) | Value transfer systems and methods | |
US20050114264A1 (en) | System and method for remoteley generating instruments | |
GB2451944A (en) | A system and method for making funds available for gaming | |
WO2000075889A2 (en) | Automatic teller machine | |
MXPA04009704A (en) | Systems and methods for performing transactions at a point-of-sale. | |
US20030115155A1 (en) | Issuing certified checks over the internet | |
WO1999067720A1 (en) | Apparatus, system and method of printing the authorized user's picture and signature on a check | |
WO1999031600A1 (en) | Techniques for performing remote financial transactions | |
EP1183659A2 (en) | Automatic teller machine |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A1 Designated state(s): AE AL AM AT AU AZ BA BB BG BR BY CA CH CN CU CZ DE DK EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT UA UG US UZ VN YU ZA ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: A1 Designated state(s): GH GM KE LS MW SD SL SZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
DFPE | Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101) | ||
AK | Designated states |
Kind code of ref document: C2 Designated state(s): AE AL AM AT AU AZ BA BB BG BR BY CA CH CN CU CZ DE DK EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT UA UG US UZ VN YU ZA ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: C2 Designated state(s): GH GM KE LS MW SD SL SZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG |
|
COP | Corrected version of pamphlet |
Free format text: PAGES 1/13-13/13, DRAWINGS, REPLACED BY NEW PAGES 1/11-11/11; DUE TO LATE TRANSMITTAL BY THE RECEIVING OFFICE |
|
ENP | Entry into the national phase |
Ref country code: GB Ref document number: 200031453 Kind code of ref document: A Format of ref document f/p: F |
|
WWE | Wipo information: entry into national phase |
Ref document number: 09720393 Country of ref document: US |
|
REG | Reference to national code |
Ref country code: DE Ref legal event code: 8642 |
|
122 | Ep: pct application non-entry in european phase |