WO2003042790A3 - Electronic confirmation to debit or credit an account - Google Patents

Electronic confirmation to debit or credit an account Download PDF

Info

Publication number
WO2003042790A3
WO2003042790A3 PCT/US2002/036618 US0236618W WO03042790A3 WO 2003042790 A3 WO2003042790 A3 WO 2003042790A3 US 0236618 W US0236618 W US 0236618W WO 03042790 A3 WO03042790 A3 WO 03042790A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
bank account
payment via
transmitted
terminal
Prior art date
Application number
PCT/US2002/036618
Other languages
French (fr)
Other versions
WO2003042790A2 (en
Inventor
Mario P Manfre
Christopher A Schmid
Original Assignee
Telecheck Services Inc
Mario P Manfre
Christopher A Schmid
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 Telecheck Services Inc, Mario P Manfre, Christopher A Schmid filed Critical Telecheck Services Inc
Priority to AU2002359399A priority Critical patent/AU2002359399A1/en
Publication of WO2003042790A2 publication Critical patent/WO2003042790A2/en
Publication of WO2003042790A3 publication Critical patent/WO2003042790A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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

Abstract

A method for processing a check transaction includes receiving transaction information that is transmitted by a terminal; determining eligibility of the transaction for payment via a bank account; providing an electronic authorization response that is transmitted to the terminal, the authorization response including a unique transaction identifier if the transaction is eligible for payment via the bank account; and receiving an electronic response packet that is transmitted by the terminal if the transaction is eligible for payment via the bank account, the response packet including the unique transaction identifier and a transaction decision regarding payment via the bank account.
PCT/US2002/036618 2001-11-14 2002-11-14 Electronic confirmation to debit or credit an account WO2003042790A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002359399A AU2002359399A1 (en) 2001-11-14 2002-11-14 Electronic confirmation to debit or credit an account

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/992,596 US7599888B2 (en) 2001-11-14 2001-11-14 Electronic confirmation to debit or credit an account
US09/992,596 2001-11-14

Publications (2)

Publication Number Publication Date
WO2003042790A2 WO2003042790A2 (en) 2003-05-22
WO2003042790A3 true WO2003042790A3 (en) 2005-04-14

Family

ID=25538511

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/036618 WO2003042790A2 (en) 2001-11-14 2002-11-14 Electronic confirmation to debit or credit an account

Country Status (3)

Country Link
US (2) US7599888B2 (en)
AU (1) AU2002359399A1 (en)
WO (1) WO2003042790A2 (en)

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Also Published As

Publication number Publication date
US20080029592A1 (en) 2008-02-07
AU2002359399A1 (en) 2003-05-26
US20030093368A1 (en) 2003-05-15
WO2003042790A2 (en) 2003-05-22
US7599888B2 (en) 2009-10-06

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