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EP2198545A4 - Electronic check financial payment systems and methods - Google Patents

Electronic check financial payment systems and methods

Info

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Withdrawn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Withdrawn legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/042Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP08834895A 2007-10-05 2008-09-30 Electronic check financial payment systems and methods Withdrawn EP2198545A4 (en)

Applications Claiming Priority (5)

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

Publications (2)

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

Family

ID=40532232

Family Applications (1)

Application Number Title Priority Date Filing Date
EP08834895A Withdrawn EP2198545A4 (en) 2007-10-05 2008-09-30 Electronic check financial payment systems and methods

Country Status (4)

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

Families Citing this family (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102801710B (en) * 2012-07-04 2016-03-02 北京天龙融和软件有限公司 A kind of network trading method and system
US11468410B2 (en) 2012-07-11 2022-10-11 Viewpost, Llc. Universal payment module and system
ITMI20122258A1 (en) 2012-12-28 2014-06-29 Rototype Spa METHOD OF IMPLEMENTATION OF A BANK CHECK AND BANK CHECK MADE WITH SUCH A METHOD
US10846667B1 (en) * 2013-10-01 2020-11-24 Wells Fargo Bank, N.A. System and method for mobile check deposit with restricted endorsement
CN105023137A (en) * 2015-04-29 2015-11-04 杭州猿人数据科技有限公司 E-mail evidence processing system and processing method
SG10201610774UA (en) * 2016-12-22 2018-07-30 Mastercard International Inc System And Method For Conducting A Transaction
CN107067254A (en) * 2017-02-06 2017-08-18 吕文华 A kind of circulation method of binary system digital currency
CN107067241A (en) * 2017-02-06 2017-08-18 吕文华 A kind of runtime of binary system digital currency
CN106845950A (en) * 2017-02-06 2017-06-13 吕文华 A kind of digital currency for meeting binary system
US10664811B2 (en) * 2018-03-22 2020-05-26 Bank Of America Corporation Automated check encoding error resolution
US11270270B2 (en) 2018-10-05 2022-03-08 Deluxe Corporation Trusted secure electronic payment processing platform
CN109995613B (en) * 2019-03-29 2021-02-05 北京乐蜜科技有限责任公司 Flow calculation method and device
CN110580148B (en) * 2019-09-16 2023-04-18 北京华科软科技有限公司 Integration-oriented EPC project management platform

Citations (1)

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

Family Cites Families (3)

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

Patent Citations (1)

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

Non-Patent Citations (2)

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

Also Published As

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

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Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

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17P Request for examination filed

Effective date: 20100506

AK Designated contracting states

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Designated state(s): AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MT NL NO PL PT RO SE SI SK TR

AX Request for extension of the european patent

Extension state: AL BA MK RS

DAX Request for extension of the european patent (deleted)
A4 Supplementary search report drawn up and despatched

Effective date: 20110823

RIC1 Information provided on ipc code assigned before grant

Ipc: H04K 1/00 20060101AFI20110817BHEP

17Q First examination report despatched

Effective date: 20130522

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN

18D Application deemed to be withdrawn

Effective date: 20131203