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AU2003213709A1 - Alternative payment devices using electronic check processing as a payment mechanism - Google Patents

Alternative payment devices using electronic check processing as a payment mechanism

Info

Publication number
AU2003213709A1
AU2003213709A1 AU2003213709A AU2003213709A AU2003213709A1 AU 2003213709 A1 AU2003213709 A1 AU 2003213709A1 AU 2003213709 A AU2003213709 A AU 2003213709A AU 2003213709 A AU2003213709 A AU 2003213709A AU 2003213709 A1 AU2003213709 A1 AU 2003213709A1
Authority
AU
Australia
Prior art keywords
payment
check processing
electronic check
alternative
devices
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.)
Abandoned
Application number
AU2003213709A
Inventor
Cassandra Mollett
Amy Swift
Lisa Tidwell
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.)
First Data Corp
Original Assignee
First Data Corp
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 US10/184,012 external-priority patent/US20030187790A1/en
Priority claimed from US10/184,030 external-priority patent/US7131571B2/en
Priority claimed from US10/184,031 external-priority patent/US20030187786A1/en
Priority claimed from US10/184,033 external-priority patent/US7925576B2/en
Application filed by First Data Corp filed Critical First Data Corp
Publication of AU2003213709A1 publication Critical patent/AU2003213709A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • 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
    • G07F7/04—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Cash Registers Or Receiving Machines (AREA)
AU2003213709A 2002-03-26 2003-03-03 Alternative payment devices using electronic check processing as a payment mechanism Abandoned AU2003213709A1 (en)

Applications Claiming Priority (11)

Application Number Priority Date Filing Date Title
US36769802P 2002-03-26 2002-03-26
US60/367,698 2002-03-26
US10/184,030 2002-06-26
US10/184,012 2002-06-26
US10/184,012 US20030187790A1 (en) 2002-03-26 2002-06-26 Electronic check processing systems
US10/184,033 2002-06-26
US10/184,030 US7131571B2 (en) 2002-03-26 2002-06-26 Alternative payment devices using electronic check processing as a payment mechanism
US10/184,031 US20030187786A1 (en) 2002-03-26 2002-06-26 Merchant transponder systems using electronic check processing
US10/184,031 2002-06-26
US10/184,033 US7925576B2 (en) 2002-03-26 2002-06-26 Systems for processing transponder-based transactions
PCT/US2003/006581 WO2003083751A1 (en) 2002-03-26 2003-03-03 Alternative payment devices using electronic check processing as a payment mechanism

Publications (1)

Publication Number Publication Date
AU2003213709A1 true AU2003213709A1 (en) 2003-10-13

Family

ID=28679153

Family Applications (1)

Application Number Title Priority Date Filing Date
AU2003213709A Abandoned AU2003213709A1 (en) 2002-03-26 2003-03-03 Alternative payment devices using electronic check processing as a payment mechanism

Country Status (2)

Country Link
AU (1) AU2003213709A1 (en)
WO (1) WO2003083751A1 (en)

Families Citing this family (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU3971301A (en) * 1999-12-01 2001-06-12 Efunds Corporation Method and apparatus for providing online financial account services
US7131571B2 (en) 2002-03-26 2006-11-07 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US7925576B2 (en) 2002-03-26 2011-04-12 First Data Corporation Systems for processing transponder-based transactions
US7246740B2 (en) 2003-04-03 2007-07-24 First Data Corporation Suspicious persons database
US7108174B2 (en) 2003-09-30 2006-09-19 First Data Corporation Systems and methods for detecting corporate financial transactions
US7731087B2 (en) 2003-09-30 2010-06-08 First Data Corporation Systems and methods for generating transaction receipts
US7631801B2 (en) 2003-09-30 2009-12-15 First Data Corporation Systems and methods for processing cash concentration disbursement transactions
US7118030B2 (en) 2003-10-27 2006-10-10 First Data Corporation Systems and methods for interfacing location-base devices
US7070092B2 (en) 2003-10-27 2006-07-04 First Data Corporation Systems and methods for managing throughput of point of sale devices
US7520420B2 (en) 2003-10-27 2009-04-21 First Data Corporation Systems and methods for generating receipts
US7287689B2 (en) 2003-12-09 2007-10-30 First Data Corporation Systems and methods for assessing the risk of a financial transaction using authenticating marks
US7398925B2 (en) 2003-12-09 2008-07-15 First Data Corporation Systems and methods for assessing the risk of a financial transaction using biometric information
US7783563B2 (en) 2003-12-09 2010-08-24 First Data Corporation Systems and methods for identifying payor location based on transaction data
US7640205B2 (en) 2003-12-23 2009-12-29 First Data Corporation Systems and methods for accessing reconcilement information
US7743981B2 (en) 2003-12-23 2010-06-29 First Data Corporation GPS database to manage risk for financial transactions
US6948656B2 (en) 2003-12-23 2005-09-27 First Data Corporation System with GPS to manage risk of financial transactions
US7945494B2 (en) 2003-12-23 2011-05-17 First Data Corporation Device with GPS to manage risk for financial transactions
US7100820B2 (en) 2003-12-23 2006-09-05 First Data Corporation Systems and methods for prioritizing reconcilement information searches
US7853521B2 (en) 2003-12-23 2010-12-14 The Western Union Company Global positioning system to manage risk for POS terminal
US7513418B2 (en) 2005-12-20 2009-04-07 First Data Corporation Systems and methods for performing a simplified risk assessment
US7392942B2 (en) 2005-12-20 2008-07-01 First Data Corporation Systems and methods for electronic transaction risk processing
US7661587B1 (en) 2005-12-29 2010-02-16 First Data Corporation Systems and methods for determining false MICR
US7937299B1 (en) 2005-12-29 2011-05-03 First Data Corporation Systems and methods for preauthorizing check transactions
US9292850B2 (en) * 2007-09-10 2016-03-22 Visa U.S.A. Inc. Host capture
WO2020263241A1 (en) * 2019-06-26 2020-12-30 Visa International Service Association Method, system, and computer program product for processing a payment transaction via a proxy guarantor

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6230148B1 (en) * 1994-11-28 2001-05-08 Veristar Corporation Tokenless biometric electric check transaction
US5878337A (en) * 1996-08-08 1999-03-02 Joao; Raymond Anthony Transaction security apparatus and method
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
US6505772B1 (en) * 2000-06-22 2003-01-14 First Data Corporation System for utilizing a single card to provide multiple services in an open network environment

Also Published As

Publication number Publication date
WO2003083751A1 (en) 2003-10-09

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Legal Events

Date Code Title Description
MK6 Application lapsed section 142(2)(f)/reg. 8.3(3) - pct applic. not entering national phase