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GB2355561A - Apparatus, system and method of printing the authorized user's picture and signature on a check - Google Patents

Apparatus, system and method of printing the authorized user's picture and signature on a check

Info

Publication number
GB2355561A
GB2355561A GB0031453A GB0031453A GB2355561A GB 2355561 A GB2355561 A GB 2355561A GB 0031453 A GB0031453 A GB 0031453A GB 0031453 A GB0031453 A GB 0031453A GB 2355561 A GB2355561 A GB 2355561A
Authority
GB
United Kingdom
Prior art keywords
user
portraitcheques
portraitcheque
owner
signature
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Withdrawn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
GB0031453A
Other versions
GB0031453D0 (en
Inventor
Jr Thomas K Reed
Brent C Abrahm
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of GB0031453D0 publication Critical patent/GB0031453D0/en
Publication of GB2355561A publication Critical patent/GB2355561A/en
Withdrawn legal-status Critical Current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
    • G06Q20/04—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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

A user preregisters with a bank or financial institution by providing the user's photograph (402) and signature (402). Thereafter, the user can request and print PortraitCheques<SP>(TM)</SP> using a computer and printer. PortraitCheques<SP>(TM)</SP> are a cash-like financial instrument that provides positive visual identification of the owner in that the owner's preregistered picture (402) is printed on the face of the check. PortraitCheques<SP>(TM)</SP> provide positive identification in that the owner's signature is printed on the face of the check so that the owner can countersign the PortraitCheque<SP>(TM)</SP> in front of the bank or merchant. The user accesses PortraitCheque<SP>(TM)</SP> services (400) through a network. The PortraitCheque<SP>(TM)</SP> service verifies (403) the user's authority to request PortraitCheques<SP>(TM)</SP>, confirms guarantee of the funds (407), debits the user's account, credits the guarantor's account, and fills the user's order by formatting and generating the preparation of a PortraitCheque<SP>(TM)</SP> according to the user's request (409).
GB0031453A 1998-06-24 1999-06-24 Apparatus, system and method of printing the authorized user's picture and signature on a check Withdrawn GB2355561A (en)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US9054398P 1998-06-24 1998-06-24
US9158498P 1998-07-02 1998-07-02
US10052898P 1998-09-16 1998-09-16
US12919799P 1999-04-14 1999-04-14
US13373499P 1999-05-12 1999-05-12
PCT/US1999/014253 WO1999067720A1 (en) 1998-06-24 1999-06-24 Apparatus, system and method of printing the authorized user's picture and signature on a check

Publications (2)

Publication Number Publication Date
GB0031453D0 GB0031453D0 (en) 2001-02-07
GB2355561A true GB2355561A (en) 2001-04-25

Family

ID=27536570

Family Applications (1)

Application Number Title Priority Date Filing Date
GB0031453A Withdrawn GB2355561A (en) 1998-06-24 1999-06-24 Apparatus, system and method of printing the authorized user's picture and signature on a check

Country Status (3)

Country Link
AU (1) AU4712999A (en)
GB (1) GB2355561A (en)
WO (1) WO1999067720A1 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6972859B1 (en) * 1999-07-22 2005-12-06 Eastman Kodak Company Authorizing the printing of digital images
US6842533B1 (en) 1999-12-28 2005-01-11 Eastman Kodak Company Printing verified pre-approved images
DE60132438T2 (en) * 2000-02-08 2009-01-08 Ricoh Co., Ltd. Device management system
US6839453B1 (en) 2000-05-16 2005-01-04 The Upper Deck Company, Llc Method and apparatus for authenticating unique items such as sports memorabilia

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4083635A (en) * 1975-10-01 1978-04-11 Reed Jr Thomas K Method of producing positive identification checks
US4593936A (en) * 1984-03-06 1986-06-10 Opel George E Universal credit card
US4865351A (en) * 1988-08-11 1989-09-12 Smithson Harry A Photo check
US5484988A (en) * 1992-11-13 1996-01-16 Resource Technology Services, Inc. Checkwriting point of sale system
US5748755A (en) * 1992-05-08 1998-05-05 Moore Business Forms, Inc. Picture checks
US5838814A (en) * 1996-01-02 1998-11-17 Moore; Steven Jerome Security check method and apparatus
US5863074A (en) * 1996-12-23 1999-01-26 Wilkinson; Rudolph P. Fraud inhibiting personal check and method

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4083635A (en) * 1975-10-01 1978-04-11 Reed Jr Thomas K Method of producing positive identification checks
US4593936A (en) * 1984-03-06 1986-06-10 Opel George E Universal credit card
US4865351A (en) * 1988-08-11 1989-09-12 Smithson Harry A Photo check
US5748755A (en) * 1992-05-08 1998-05-05 Moore Business Forms, Inc. Picture checks
US5484988A (en) * 1992-11-13 1996-01-16 Resource Technology Services, Inc. Checkwriting point of sale system
US5838814A (en) * 1996-01-02 1998-11-17 Moore; Steven Jerome Security check method and apparatus
US5863074A (en) * 1996-12-23 1999-01-26 Wilkinson; Rudolph P. Fraud inhibiting personal check and method

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
Coming June 13:Bank One Launches First Personalized Photo Card for Credit Card and Checking..May1994 *
TexasBankingFeb1995Vol84No2p10 ClarkeAmericanExpandsSecurityOpern,JoinsNatl MovtTo Battle CheckFraud *

Also Published As

Publication number Publication date
GB0031453D0 (en) 2001-02-07
AU4712999A (en) 2000-01-10
WO1999067720A9 (en) 2000-06-02
WO1999067720A1 (en) 1999-12-29

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Legal Events

Date Code Title Description
WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)