EP2198545A4 - Electronic check financial payment systems and methods - Google Patents
Electronic check financial payment systems and methodsInfo
- 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- Withdrawn
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
- G06Q20/22—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
- G06Q20/04—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
- 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
- G06Q20/20—Point-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)
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)
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)
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)
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 |
-
2008
- 2008-09-30 WO PCT/US2008/078253 patent/WO2009045998A1/en active Application Filing
- 2008-09-30 EP EP08834895A patent/EP2198545A4/en not_active Withdrawn
- 2008-09-30 CA CA2701782A patent/CA2701782A1/en not_active Abandoned
- 2008-09-30 CN CN2008801185116A patent/CN101884189A/en active Pending
Patent Citations (1)
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)
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 |
Free format text: ORIGINAL CODE: 0009012 |
|
17P | Request for examination filed |
Effective date: 20100506 |
|
AK | Designated contracting states |
Kind code of ref document: A1 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 |