Electronic check financial payment systems and methods

Details Electronic check financial payment systems and methods Electronic check financial payment systems and methods

G - Physics

06

Q

G06Q 20/22 (2012.01) G06Q 40/02 (2012.01) H04L 12/16 (2006.01)

Patent

CA 2701782

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.

L'invention concerne un chèque émis de manière numérique (DOC) via un système de paiement électronique (EPS) qui capture des instructions de métadonnées d'un payeur concernant le paiement devant être versé à un bénéficiaire. Les métadonnées sont stockées dans une base de données, ou analogue, pour un traitement supplémentaire à la place de l'impression d'un chèque en papier. Le DOC peut être compensé électroniquement ou via un chèque de substitution papier par le biais de procédés de compensation conformes à la loi = Check 21 =. La présente invention fournit en outre une carte-chèque véritable opérationnelle pour fournir des DOC au niveau des terminaux de point de vente.

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