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1. WO1997036267 - AUTOMATED SYSTEM AND METHOD FOR POSITIVE CHECK AUTHORIZATION

Publication Number WO/1997/036267
Publication Date 02.10.1997
International Application No. PCT/US1997/005038
International Filing Date 27.03.1997
Chapter 2 Demand Filed 20.10.1997
IPC
G06Q 20/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
CPC
G06Q 20/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
G06Q 20/042
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
042characterized in that the payment protocol involves at least one cheque
Applicants
  • ELECTRONIC DATA SYSTEMS CORPORATION [US]/[US]
Inventors
  • FUNK, Wade, L.
Agents
  • GRIEBENOW, L., Joy
Priority Data
08/623,48128.03.1996US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) AUTOMATED SYSTEM AND METHOD FOR POSITIVE CHECK AUTHORIZATION
(FR) PROCEDE ET SYSTEME AUTOMATISES POUR L'AUTORISATION DIRECTE DE CHEQUES
Abstract
(EN)
An automated positive check authorization system includes an input device (200, 202) for receiving a check amount and checking account information pre-printed on a check drawing on a checking account presented in a transaction at the time of check presentment. The checking account information and check amount are electronically transmitted to a check verifier (204), which receives the check amount and checking account information from the input device (200, 202) and searches a checking account database (206) for a current balance in the checking account. An approval or decline message is issued in response to a comparison between the check amount and the current balance in the checking account. A decline message is also issued if there is a stop payment instruction on the check.
(FR)
Système automatisé pour l'autorisation directe de chèques, comprenant un dispositif d'entrée (200, 202) destiné à recevoir le montant d'un chèque et des informations concernant un compte-chèques pré-imprimées sur un chèque de prélèvement sur un compte-chèques, présenté lors d'une transaction. Ces informations et ce montant sont électroniquement transmis à un vérificateur de chèques (204) qui reçoit les informations concernant le montant et le compte-chèques du dispositif d'entrée (200, 202) et cherche dans une base de données (206) de comptes-chèques, le solde courant du compte-chèques. Un message d'acceptation ou de refus est émis en réponse à une comparaison entre le montant du chèque et le solde courant sur le compte-chèques. Un message de refus est également émis si une instruction d'opposition au chèque a été émise.
Also published as
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