WO2003079157A3 - A method and system for depositing federal tax payments - Google Patents

A method and system for depositing federal tax payments Download PDF

Info

Publication number
WO2003079157A3
WO2003079157A3 PCT/US2003/007867 US0307867W WO03079157A3 WO 2003079157 A3 WO2003079157 A3 WO 2003079157A3 US 0307867 W US0307867 W US 0307867W WO 03079157 A3 WO03079157 A3 WO 03079157A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
electronic
federal tax
eftps
payments
Prior art date
Application number
PCT/US2003/007867
Other languages
French (fr)
Other versions
WO2003079157A2 (en
Inventor
Craig M Watson
Original Assignee
Payment Engineering Llc
Craig M Watson
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 Payment Engineering Llc, Craig M Watson filed Critical Payment Engineering Llc
Priority to AU2003218159A priority Critical patent/AU2003218159A1/en
Publication of WO2003079157A2 publication Critical patent/WO2003079157A2/en
Publication of WO2003079157A3 publication Critical patent/WO2003079157A3/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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/08—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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • 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
    • G07F7/04—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency

Abstract

A computer-implemented information processing system that acts as an electronic or digital payment communications system is provided. The present invention enables a fax machine or scanning device (101a) to act as an electronic or digital payment communications system (103) for making electronic payments in general, and specifically, Federal Tax Deposits (101b). The system requires no technology at the point of use other than a fax machine or related device such as a scanner, and thus avoids a significant source of user resistance to using electronic payment methods. The inventive system also generates the receipt desired by small business taxpayers, and utilizes the existing Electronic Federal Tax Payment System (EFTPS) (221) to make U.S. Federal tax payments. The system encompasses the formatting, communication, image processing (212), and transmission of payment instruction messages from the taxpayer (or more generally, payer) to EFTPS (receiving system) (104) or other target payee system. The system also is capable of generating payment instructions to other electronic payment platforms beyond EFTPS, including Automated Clearinghouse (ACH), Automatic Teller Machine (ATM) networks, and Credit Card merchant systems, among others.
PCT/US2003/007867 2002-03-14 2003-03-13 A method and system for depositing federal tax payments WO2003079157A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003218159A AU2003218159A1 (en) 2002-03-14 2003-03-13 A method and system for depositing federal tax payments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US36430402P 2002-03-14 2002-03-14
US60/364,304 2002-03-14

Publications (2)

Publication Number Publication Date
WO2003079157A2 WO2003079157A2 (en) 2003-09-25
WO2003079157A3 true WO2003079157A3 (en) 2004-06-17

Family

ID=28041900

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/007867 WO2003079157A2 (en) 2002-03-14 2003-03-13 A method and system for depositing federal tax payments

Country Status (2)

Country Link
AU (1) AU2003218159A1 (en)
WO (1) WO2003079157A2 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4947028A (en) * 1988-07-19 1990-08-07 Arbor International, Inc. Automated order and payment system
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5870456A (en) * 1997-01-22 1999-02-09 Telepay, Inc. Automated interactive bill payment system using debit cards

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4947028A (en) * 1988-07-19 1990-08-07 Arbor International, Inc. Automated order and payment system
US4947028B1 (en) * 1988-07-19 1993-06-08 U S Order Inc
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5870456A (en) * 1997-01-22 1999-02-09 Telepay, Inc. Automated interactive bill payment system using debit cards

Also Published As

Publication number Publication date
AU2003218159A8 (en) 2003-09-29
AU2003218159A1 (en) 2003-09-29
WO2003079157A2 (en) 2003-09-25

Similar Documents

Publication Publication Date Title
US7970677B1 (en) Systems and methods for financial deposits by electronic message
US7912785B1 (en) Video financial deposit
US9946923B1 (en) Systems and methods of check detection
US7856402B1 (en) Video financial deposit
US8590779B2 (en) Value token conversion
US8542921B1 (en) Systems and methods for remote deposit of negotiable instrument using brightness correction
US8422758B1 (en) Systems and methods of check re-presentment deterrent
US7698222B1 (en) Systems and methods of check re-presentment deterrent
US7548885B2 (en) Processing tax forms at an automatic teller machine
Crede Electronic commerce and the banking industry: the requirement and opportunities for new payment systems using the Internet
US7620604B1 (en) Systems and methods of check re-presentment deterrent
US20020099656A1 (en) Electronic funds transfer system for processing multiple currency transactions
MY135305A (en) Real time financial instrument image exchange system and method
TW200506682A (en) Point-of-sale electronic receipt generation
US20110004547A1 (en) Mobile transactions using account aliases
US20130262295A1 (en) Digital emulation of cash-based transactions
WO2006045060A3 (en) System and method for resolving transactions
US20040210521A1 (en) Web-based payment system with consumer interface and methods
EP3511888A1 (en) Method and system for processing a cross-border payment
US20080294514A1 (en) System and method for remote deposit capture and customer information gathering
HK1043418A1 (en) System and process for remote payments and transactions in real time by mobile telephone.
US20200074419A1 (en) Method of conducting a digital currency exchange transaction utilizing blockchain
US20100063927A1 (en) Method and system for clearing financial instruments
CN109447607A (en) A kind of method of commerce and device of unit account
US10956728B1 (en) Systems and methods of check processing with background removal

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NI NO NZ OM PH PL PT RO RU SC SD SE SG SK SL TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LU MC NL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Country of ref document: JP