WO2008130441A1 - Chèque électronique mobile - Google Patents

Chèque électronique mobile Download PDF

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Publication number
WO2008130441A1
WO2008130441A1 PCT/US2007/082689 US2007082689W WO2008130441A1 WO 2008130441 A1 WO2008130441 A1 WO 2008130441A1 US 2007082689 W US2007082689 W US 2007082689W WO 2008130441 A1 WO2008130441 A1 WO 2008130441A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
merchant
transaction
echeck
menu
Prior art date
Application number
PCT/US2007/082689
Other languages
English (en)
Inventor
Eri Guzman
Original Assignee
Eri Guzman
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 Eri Guzman filed Critical Eri Guzman
Publication of WO2008130441A1 publication Critical patent/WO2008130441A1/fr

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures
    • G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
    • G07G1/0081—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader the reader being a portable scanner or data reader

Definitions

  • This invention relates generally to an electronic check system that supports a merchant-initiated financial transaction with a customer via a mobile/portable device, wherein the aforementioned electronic check system is configured to selectively work with one of a plurality of different telecommunication protocols.
  • POS devices are currently been used to complete financial transactions.
  • the system is mostly tailored to process credit and debit card transactions via a wireless credit card terminal combined with POS device.
  • the use of magnetic card POS consists of a base station directly connected to a central server computer and one or more handheld computers or other devices (PDAs) that communicate wirelessly.
  • PDAs handheld computers or other devices
  • POS devices capable of handling electronic check transactions with the necessary usage of a magnetic ink character recognition (MICR) scanner that enables scanning of the financial information usually found at the bottom part of a regular paper check.
  • MICR magnetic ink character recognition
  • WAP Wireless Access Protocol
  • the method and system of the invention conveniently supports all types of mobile devices and a universal application was created to communicate through different wireless communication protocols. Additionally, the system is accessible throughout a plurality of different communication protocol enabled devices. The merchant will not have to incur into the additional expenses that a dedicated communication line will bring, as the session is established through public circuit-switched or packet- switched telephone networks. The method and system disclosed is more secure, as the information the merchant need to access resides remotely; therefore, the merchant will not compromise his or her customer's financial information in case of a lost or stolen mobile device. Further, an authentication screen is presented in order to access the merchant account.
  • a drop down list of bank routing numbers is presented to the merchant to accelerate the transactions and an authorization, which may be in the form of last four digits of the customer's social security number, functions as an electronic signature.
  • Electronic check transactions are approve or decline substantially instantaneously, thus the merchant would not have to wait several days for checks clearance.
  • the present invention provides in a user interface system employed by a merchant in performing an electronic check (eCheck) transaction, the method comprising displaying of a first menu supporting merchant selection of an eCheck transaction initiation, previous customers' information, and an eCheck transaction log.
  • eCheck electronic check
  • the method comprises displaying of a first sub-menu supporting merchant selection of a customer type, and at least one of: selecting a customer from a customer database, and merchant entry of a new customer; wherein said first sub-menu further supports adding said new customer to said customer database.
  • the first sub-menu further supports merchant selection of a customer-related financial institution from a financial institution database; and merchant transaction entry of: a customer account identifier associated with said customer-related financial institution, an eCheck transaction amount, an eCheck transaction identifier, and a customer authorization identifier.
  • the first sub-menu further supports displaying to said merchant said customer-related financial institution based on a financial institution name or a financial institution transit identifier.
  • the first menu further supports merchant selection of a login password reset and access to transaction log postings of ACH items.
  • the method further comprises performing an eCheck transaction based on a selected customer-related financial institution transit identifier and the information associated with said merchant transaction entry.
  • the receipt delivery section supporting sending a transaction receipt by email, wherein said email includes information related to at least one of: said customer-related financial institution, said customer account identifier associated with said customer-related financial institution, said eCheck transaction amount, said eCheck transaction identifier, and said customer authorization identifier.
  • a second sub-menu is displayed supporting merchant access to a list of customer's profiles previously stored in a customer database.
  • the second sub-menu further supports at least one of: editing information related to said customers' profiles previously stored in said customers database and deleting at least one customer profile from said customer database.
  • the method comprises displaying of a third sub-menu supporting merchant access to a list of eCheck transactions, wherein said third sub-menu further supporting merchant selection of at least one of: deleting transactions from a transactions database, displaying of said eCheck transactions based on transaction dates, and exporting information related to said eCheck transactions into an editable data document.
  • the merchant accesses said user interface system through a web browsing means .
  • the method comprises selectively configuring merchant's access to menus and information displayed by said user interface system based on a merchant's accessing device, wherein said user interface system is accessed with at least one of: a portable device, a PDA, a Smartphone, a cellphone, a laptop computer, and a desktop computer .
  • FIG. 1 shows a main authentication window of the present invention .
  • FIGS. 2a-2c show a main menu window according to an aspect of the invention.
  • FIGS. 3a and 3b show transaction windows according to an aspect of the invention.
  • FIG. 3c shows a password window according to an aspect of the invention .
  • FIG. 4 shows a window that enables a user to begin a financial transaction .
  • FIGS. 5a and 5b show an authorization window according to an aspect of the invention.
  • FIGS. 6 and 7 show a message window according to an aspect of the invention.
  • FIGS. 8a—8c show a detailed customer window according to an aspect of the invention.
  • FIG. 9 shows a detailed customer window according to a further aspect of the invention.
  • FIGS. 10a—10c shows a detailed transaction window according to an aspect of the invention.
  • FIG. 11 shows a password window according to a further aspect of the invention.
  • FIG. 12 shows a main application window according to an aspect of the invention.
  • FIG. 13 shows a message window according to another aspect of the invention.
  • FIG. 14 shows a customer window according to another aspect of the invention.
  • FIG. 15 shows a transaction window according to a further aspect of the invention.
  • FIG. 16 shows a password window according to a further aspect of the invention.
  • the same reference numbers and characters, unless otherwise stated, are used to denote like elements, components, portions or features of the illustrated embodiment.
  • the subject invention will be described in detail in conjunction with the accompany Figures, in view of the illustrative embodiment.
  • the Mobile eCheck application is accessed by a merchant via a portable device such as but not limited to: a cellphone, a Smartphone, and a PDA.
  • FIG. 1 shows an authentication window 1 provided to the user in order to access an assigned account.
  • the user access the eCheck system from a mobile device 4 by entering a web address that is a secure encrypted Internet location into an Internet browsing window and starts a session by providing a "USER NAME" 2 and a "PASSWORD" 3.
  • the user name and an initial password is provided to the user by the system's administrator.
  • this authentication window Through this authentication window, subscribing merchants and/or their staff will access the application and its functionality.
  • the application is a device-aware application that recognizes not only the type of device accessing the system but also the browsing communication protocol associated to the mobile/portable device so that the browsing window size will adjust automatically to the screen size of the mobile/portable device and the application type (i.e., mobile, portable) is selectively displayed to the user.
  • the application type i.e., mobile, portable
  • a main menu window 5 is displayed to the user including the options "BEGIN TRANSACTION” 6, "MY CUSTOMERS” 7, “TRANSACTION LOG” 8 and "RESET PASSWORD" 9.
  • the "BEGIN TRANSACTION” option 6 is selected, the user will be able to select, from a drop-down menu as shown on FIG. 2b, the type of customer associated with the transaction: "INDIVIDUAL” or "C0MPANY”s.
  • the "MY CUSTOMERS” option takes the user to a list of recurring customer profiles which is kept in the system's administrator server for convenience and future use as shown in FIG. 2c.
  • the user may be able to return to the main menu window by pressing a "MAIN MENU” button displayed on the lower portion of the browsing window as shown in FIG. 2c.
  • a list is of recent and past transactions is displayed including name, date, time, amount, account number, customer phone and approval number as shown in FIGS. 3a and 3b.
  • the option “RESET PASSWORD” shown in FIGS. 3c and 16 provide the user with means to enter a new password, thus giving the user the ability to periodically change the account password in order to maintain and enhance the account access security.
  • a window will be presented having different information fields to be populated by the user with the customer information as shown in FIG. 4.
  • the user enters the customer's first name on the "NAME” field 10, the last name on the “LAST NAME” field 11, and the customer's phone number on the "PHONE #” field 12.
  • the customer phone number can be used as a reference number and will be important for later retrieval of the file should a returned item occurs.
  • the customer is a business entity, the user can populate the "NAME" field 10 and/or "LAST NAME” field 11 along with the name of a company.
  • the user populates the customer's banking information fields by selecting the desired bank's routing number from a drop-down menu.
  • the user goes to the "SELECT BANK" field 13 and places the cursor over the field. By pressing the cursor, the user is able to view all registered banks for a specific state area. The user then scrolls to the selected bank number from a plurality of bank routing numbers offered and press the ⁇ enter> key.
  • This is an important feature of the invention since it eliminates errors associated with entering incorrect financial institution information into the system.
  • the system might be able to dynamically display said plurality of bank routing numbers based on other factors such as but not limited to: the mobile/portable device actual geographical location.
  • said location can be determined by means of GPS data associated with the particular device (should the device have a GPS processing means) or alternatively, through IP address identification.
  • the user populates the "ACCOUNT #" field 14.
  • the "REFERENCE #” field 15 is populated with a user's number of preference; this number is used to identify the transaction. The reference number will prove useful should the user needs to refer to this transaction in the future.
  • the "AMOUNT” field 16 the user enters the dollar amount needed to finalize the exchange of good and/or services. The method and system of the invention will translate all even digits as dollars when a cents amount is not entered.
  • FIGS. 5a and 5b show, in detail, the functions of the "CUSTOMER AUTHORIZATION” option 17 and the "ADD TO MY CUSTOMERS” option 18.
  • the “CUSTOMER AUTHORIZATION” option 17 acts as a signature facsimile proof than the customer provided the user with the authorization to electronically debit the customer's checking account.
  • the user may request the customer's last four digits of his or her social security number or his or her birthday month and day. As an example, if the customer's birthday is June 16 th , the user will then enter his or her birthday in a four-digit format: 0616.
  • the "ADD TO MY CUSTOMERS” option 18 gives the user the capability to add the customer information to the recurring customer list shown in FIG. 5b by selecting the ⁇ YES> option from a drop-down menu. After all the fields have been completed, the user may confirm with the customer that all entered information was correct and proceed further with the transaction by pressing the ⁇ AUTHORIZE> button provided.
  • a response message window is then presented to the user.
  • the response message can either be an "approved” transaction or a "declined” transaction.
  • An approved response message will be followed by an approval number.
  • the Mobile eCheck host will also reply with the customer name for greater financial account validation. In a joint account transaction situation, the name identified as the primary name will be the only name displayed.
  • FIGS. 7 and 13 show a "SEND eRECEIPT" window that allow the merchant to send electronically a receipt directly to the customer's via an email address. In a situation where the customer requests a receipt, the merchant can move the cursor over the ⁇ YES> button and press ⁇ enter>.
  • An "EMAIL” field will appear for the merchant to populate with the customer's email address. After entering the customer's email address, then merchant should move the cursor on top of the ⁇ send email> button and press it to send the message. The customer will then receive an electronic message including the "eRECEIPT" which will provide the customer with detailed information about the transaction such as: the name of the customer, the last four digits of the checking account, the amount charged, a reference number, and an authorization number.
  • FIGS. 8a, 8b, 8c and 9 show the above-mentioned feature in more detail.
  • the merchant proceeds to access a recurring customer profile by selecting the "MY CUSTOMERS" option and a window with a list of customers name is accessed.
  • the merchant can begin a transaction by selecting the customer name from the list of customers in order to speed up a transaction.
  • This feature will automatically insert the entire customer's information on the relevant fields, thus saving time spent entering the customer's data manually.
  • the ⁇ more> option is selected from the customer list, as shown in FIG.
  • FIGS. lOa-lOc show the "TRANSACTION LOG" feature which provides the merchant detailed information about past transactions.
  • the merchant will be able to view the name of the customer, date and time of the transaction, amount charged, the last four digits of the bank account charged, and the customer phone number along with an approval number.
  • the ⁇ Send Email> option As shown on FIG. 10c, an electronic copy of the receipt will be delivered to the customer .
  • 11 and 16 show the "RESET PASSWORD" window which provides the merchant with "NEW PASSWORD” and "RE-ENTER PASSWORD” fields to enter a new password, thus giving the merchant the ability to periodically change the account's password in order to maintain and enhance the account's access security.
  • the Mobile eCheck application is accessed by a merchant via a desktop or laptop computer. After successful authentication, as previously described by FIG. 1, the merchant is logged to the merchant account.
  • the main application window shown in FIG. 12 provides the merchant with the information entry field necessary to submit a transaction. As may be appreciated from FIG. 12, a main menu is provided on the top portion of the window. The options “BEGIN TRANSACTION”, “MY CUSTOMERS”, “TRANSACTION LOG”, “RESET PASSWORD” and "CHECKSITE" are made available to the merchant.
  • the features of FIG. 12 are substantially similar in functionality.
  • ⁇ individual> ⁇ business> transactions. If the ⁇ individual> transaction is selected, then the merchant enters the customer's first name on the "NAME” field, the last name on the "LAST NAME” field, and the customer's phone number on the "PHONE #” field. The customer phone number can be used as a reference number and will be important for later retrieval of the file should a return item occurs.
  • the merchant will be prompted to enter the "COMPANY", “NAME”, “CONTACT NAME” and “CONTACT LAST NAME”.
  • the merchant is provided with the option "Add to my Customers?” by selecting ⁇ yes> or ⁇ no> from a bullet-selectable choices field.
  • the merchant moves on to populate the customer's banking information fields by selecting the desired bank's routing number from a drop-down menu.
  • the merchant goes to the "SELECT BANK” field and places the cursor over the field. By pressing the cursor, the merchant is able to view all registered banks for a particular state area.
  • the merchant then scrolls to the selected bank number from a plurality of bank routing numbers offered and presses the ⁇ enter> key.
  • another field with bullet-selectable choices ⁇ Sort by Bank> and ⁇ Sort by Transit #> provides the merchant the choice of searching by bank name or by the transit number the check is being generated from.
  • the merchant can narrow the selection scope by typing in the first character of the bank or transit number.
  • To enter the customer's checking account number the merchant populates the "ACCOUNT #" field.
  • the "REFERENCE #" field is populated with any number of preference, this number is used to identified the transaction. The reference number will prove useful should the merchant needs to refer to this transaction on a returned item.
  • the merchant enters the dollar amount needed to finalize the exchange of good and/or services.
  • the method and system of the invention will translate all even digits as dollars when a cents amount is not entered.
  • the "Checksite” option will direct the merchant to another secure website that provides merchant members with easy access to transaction log postings of ACH items.
  • the merchant can inquire about the status of the transactions processed through other applications and provides merchants information about different branches as well as total ACH submissions, for easy overall monitoring and audit for those multi-branch operations.
  • the customer window shown in FIG. 14, provides the merchant with a listing of customers currently in the system.
  • the merchant is presented with information pertaining to recurrent customers such as: company 1, full name 2, phone number 3 and a contact email 4.
  • two icons are provided in the options field 5 for convenient editing and/or deleting of a customer profile.
  • the transaction log window of FIG. 15 provides the merchant with a listing of past transactions in date-descending order.
  • the list presents the merchant with past transactions information such as: date of transaction 1, amount charged 2, bank routing or transit number 3, check account number 4, customer's company 5 and customer's name 6.
  • the merchant is provided with a spreadsheet report icon 7 and a file name field 8.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le procédé et le système de chèque électronique de l'invention supportent tous les types de dispositifs mobiles avec une application universelle pour communiquer par différents protocoles de communication sans fil. Le système est accessible par une pluralité de dispositifs activés par différents protocoles de communication. Le procédé et le système sont plus sûrs comme les informations nécessaires au commerçant pour l'accès se situent à distance. Une liste à défilement descendant de numéros d'acheminement bancaire est présentée au commerçant pour accélérer les transactions et une autorisation agit comme une signature électronique. Les transactions par chèques électroniques sont approuvées ou refusées pratiquement instantanément, le commerçant n'aura ainsi pas à attendre plusieurs jours la compensation des chèques.
PCT/US2007/082689 2007-04-18 2007-10-26 Chèque électronique mobile WO2008130441A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US60/612,563 2004-09-23
US61256307P 2007-04-18 2007-04-18

Publications (1)

Publication Number Publication Date
WO2008130441A1 true WO2008130441A1 (fr) 2008-10-30

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ID=39875782

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/082689 WO2008130441A1 (fr) 2007-04-18 2007-10-26 Chèque électronique mobile

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WO (1) WO2008130441A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020120582A1 (en) * 2001-02-26 2002-08-29 Stephen Elston Method for establishing an electronic commerce account
US20030105710A1 (en) * 2000-07-11 2003-06-05 Ellen Barbara Method and system for on-line payments
US20040019560A1 (en) * 1999-03-12 2004-01-29 Evans Scott L. System and method for debt presentment and resolution
US20040044739A1 (en) * 2002-09-04 2004-03-04 Robert Ziegler System and methods for processing PIN-authenticated transactions

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040019560A1 (en) * 1999-03-12 2004-01-29 Evans Scott L. System and method for debt presentment and resolution
US20030105710A1 (en) * 2000-07-11 2003-06-05 Ellen Barbara Method and system for on-line payments
US20020120582A1 (en) * 2001-02-26 2002-08-29 Stephen Elston Method for establishing an electronic commerce account
US20040044739A1 (en) * 2002-09-04 2004-03-04 Robert Ziegler System and methods for processing PIN-authenticated transactions

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