EP 2198545 A1 20100623 - ELECTRONIC CHECK FINANCIAL PAYMENT SYSTEMS AND METHODS
Title (en)
ELECTRONIC CHECK FINANCIAL PAYMENT SYSTEMS AND METHODS
Title (de)
FINANZBEZAHLUNGSSYSTEME MIT ELEKTRONISCHEN SCHECKS UND VERFAHREN
Title (fr)
SYSTÈMES ET PROCÉDÉS DE PAIEMENT FINANCIER PAR CHÈQUE ÉLECTRONIQUE
Publication
Application
Priority
- US 2008078253 W 20080930
- US 86833507 A 20071005
- US 86850407 A 20071007
- US 86893907 A 20071008
- US 86973907 A 20071009
Abstract (en)
[origin: WO2009045998A1] The present disclosure provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. The present invention further provides a true check card operable to provide DOCs at point-of-sale terminals.
IPC 8 full level
H04K 1/00 (2006.01)
CPC (source: EP)
G06Q 20/04 (2013.01); G06Q 20/0425 (2013.01); G06Q 20/20 (2013.01); G06Q 20/24 (2013.01)
Designated contracting state (EPC)
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
Designated extension state (EPC)
AL BA MK RS
DOCDB simple family (publication)
WO 2009045998 A1 20090409; CA 2701782 A1 20090409; CN 101884189 A 20101110; EP 2198545 A1 20100623; EP 2198545 A4 20110921
DOCDB simple family (application)
US 2008078253 W 20080930; CA 2701782 A 20080930; CN 200880118511 A 20080930; EP 08834895 A 20080930