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BR9808128A - Processos e sistemas para emisão de um tìtulo pagável ao portador, para geração de tìtulos pagáveis ao portador, para aceitação de um cheque de viagem, para autorização da aceitação de um cheque de viagem, para emissão e compensação de um tìtulo pagável ao portador, processo para geração de cheques de viagem válidos, e, dispositivo de armazenamento de programas de computador. - Google Patents

Processos e sistemas para emisão de um tìtulo pagável ao portador, para geração de tìtulos pagáveis ao portador, para aceitação de um cheque de viagem, para autorização da aceitação de um cheque de viagem, para emissão e compensação de um tìtulo pagável ao portador, processo para geração de cheques de viagem válidos, e, dispositivo de armazenamento de programas de computador.

Info

Publication number
BR9808128A
BR9808128A BR9808128-4A BR9808128A BR9808128A BR 9808128 A BR9808128 A BR 9808128A BR 9808128 A BR9808128 A BR 9808128A BR 9808128 A BR9808128 A BR 9808128A
Authority
BR
Brazil
Prior art keywords
payable
user
traveler
issuing
holder
Prior art date
Application number
BR9808128-4A
Other languages
English (en)
Inventor
Jay S Walker
T Scott Case
Original Assignee
Walker Asset Management Ltd
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 Walker Asset Management Ltd filed Critical Walker Asset Management Ltd
Publication of BR9808128A publication Critical patent/BR9808128A/pt

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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/202—Depositing operations within ATMs

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

"PROCESSOS E SISTEMAS PARA EMISSãO DE UM TìTULO PAGáVEL AO PORTADOR, PARA GERAçãO DE TìTULOS PAGáVEIS AO PORTADOR, PARA ACEITAçãO DE UM CHEQUE DE VIAGEM, PARA AUTORIZAçãO DA ACEITAçãO DE UM CHEQUE DE VIAGEM, PARA EMISSãO E COMPENSAçãO DE UM TìTULO PAGáVEL AO PORTADOR, PROCESSO PARA GERAçãO DE CHEQUES DE VIAGEM VáLIDOS, E, DISPOSITIVO DE ARMAZENAMENTO DE PROGRAMAS DE COMPUTADOR". Trata-se de um sistema e um processo para emissão de cheque de viagem ("traveler's checks") na residência ou no local de trabalho de um usuário utilizando o computador do próprio comprador permitindo ao usuário obter cheques de viagem em qualquer ocasião, em quaisquer denominação de unidade monetária e sem que seja necessário deslocar-se até a localização de um emitente. As informações de usuários, incluindo um elemento identificados de usuário e uma quantidade e valor facial de títulos pagáveis ao portador devendo ser emitidos, são recebidos de um usuário num dispositivo controlador central de uma entidade emitente. O dispositivo controlador central da entidade emitente gera pelo menos um código para geração dos títulos pagáveis ao portador e transmite o código para o usuário. São então gerados títulos pagáveis ao portador que incluem o código. Preferencialmente, o usuário terá se registrado com o emitente dos títulos anteriormente à emissão dos títulos. Durente o registro, as informações referentes ao usuário, tais como informações de identificação e um elemento identificador de conta corrente são recebidas do usuário e armazenadas num banco de dados. Um elemento identificador de usuário é transmitido para o usuário.
BR9808128-4A 1997-03-05 1998-02-05 Processos e sistemas para emisão de um tìtulo pagável ao portador, para geração de tìtulos pagáveis ao portador, para aceitação de um cheque de viagem, para autorização da aceitação de um cheque de viagem, para emissão e compensação de um tìtulo pagável ao portador, processo para geração de cheques de viagem válidos, e, dispositivo de armazenamento de programas de computador. BR9808128A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/811,703 US6338049B1 (en) 1997-03-05 1997-03-05 User-generated traveler's checks
PCT/US1998/002245 WO1998039742A2 (en) 1997-03-05 1998-02-05 User-generated traveler's checks

Publications (1)

Publication Number Publication Date
BR9808128A true BR9808128A (pt) 2000-06-06

Family

ID=25207314

Family Applications (1)

Application Number Title Priority Date Filing Date
BR9808128-4A BR9808128A (pt) 1997-03-05 1998-02-05 Processos e sistemas para emisão de um tìtulo pagável ao portador, para geração de tìtulos pagáveis ao portador, para aceitação de um cheque de viagem, para autorização da aceitação de um cheque de viagem, para emissão e compensação de um tìtulo pagável ao portador, processo para geração de cheques de viagem válidos, e, dispositivo de armazenamento de programas de computador.

Country Status (7)

Country Link
US (2) US6338049B1 (pt)
EP (1) EP1012794A2 (pt)
JP (1) JP2000509867A (pt)
AU (1) AU6270198A (pt)
BR (1) BR9808128A (pt)
CA (1) CA2283593A1 (pt)
WO (1) WO1998039742A2 (pt)

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CA2283593A1 (en) 1998-09-11
WO1998039742A3 (en) 1998-12-10
US6338049B1 (en) 2002-01-08
EP1012794A2 (en) 2000-06-28
US7496537B2 (en) 2009-02-24
WO1998039742A2 (en) 1998-09-11
JP2000509867A (ja) 2000-08-02
AU6270198A (en) 1998-09-22
US20020042766A1 (en) 2002-04-11

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