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MD20140077A2 - Sistem de decontări prin cecuri electronice şi metode de emitere, transfer, achitare şi verificare a cecurilor electronice - Google Patents

Sistem de decontări prin cecuri electronice şi metode de emitere, transfer, achitare şi verificare a cecurilor electronice

Info

Publication number
MD20140077A2
MD20140077A2 MDA20140077A MD20140077A MD20140077A2 MD 20140077 A2 MD20140077 A2 MD 20140077A2 MD A20140077 A MDA20140077 A MD A20140077A MD 20140077 A MD20140077 A MD 20140077A MD 20140077 A2 MD20140077 A2 MD 20140077A2
Authority
MD
Moldova
Prior art keywords
cheques
electronic
methods
payment system
cheque
Prior art date
Application number
MDA20140077A
Other languages
English (en)
Moldavian (mo)
Russian (ru)
Inventor
Илья КЛИГМАН
Original Assignee
My Partners And Global Stars Investments (Mp&Gsi) Ltd
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 My Partners And Global Stars Investments (Mp&Gsi) Ltd filed Critical My Partners And Global Stars Investments (Mp&Gsi) Ltd
Publication of MD20140077A2 publication Critical patent/MD20140077A2/ro

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
    • 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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Invenţia se referă la domeniul tehnologiilor informaţionale, în special, la sistemele electronice şi metodele de circulaţie a mijloacelor băneşti şi poate fi utilizată pentru soluţionarea problemelor ce ţin de decontările reciproce între participanţii sistemului electronic de plăţi în regim de timp real. Totodată ca analog al mijloacelor băneşti, în prezenta invenţie se folosesc cecurile electronice bancare la purtător, care corespund regulilor şi cerinţelor bancare ale legislaţiei în vigoare. Blocurile aplicaţiei client sunt realizate grupate în module pe categorii, care corespund statutului utilizatorului, determinat de blocul de autorizare a aplicaţiilor client şi server, cu asigurarea posibilităţii presetării setului de parametri de circulaţie a cecurilor de fiecare categorie. Emiterea cecurilor este însoţită de crearea documentelor cu semnificaţie juridică şi reflectarea operaţiunilor în Registrul de circulaţie a cecurilor.
MDA20140077A 2011-12-30 2012-12-28 Sistem de decontări prin cecuri electronice şi metode de emitere, transfer, achitare şi verificare a cecurilor electronice MD20140077A2 (ro)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2011154492/08A RU2011154492A (ru) 2011-12-30 2011-12-30 Система расчетов электронными чеками и способы выпуска, перевода оплаты и верификации электронных чеков
PCT/RU2012/001137 WO2013100824A2 (ru) 2011-12-30 2012-12-28 Система расчетов электронными чеками и способы выпуска, перевода, оплаты и верификации электронных чеков

Publications (1)

Publication Number Publication Date
MD20140077A2 true MD20140077A2 (ro) 2015-01-31

Family

ID=48698770

Family Applications (1)

Application Number Title Priority Date Filing Date
MDA20140077A MD20140077A2 (ro) 2011-12-30 2012-12-28 Sistem de decontări prin cecuri electronice şi metode de emitere, transfer, achitare şi verificare a cecurilor electronice

Country Status (31)

Country Link
US (2) US10134015B2 (ro)
EP (2) EP3570243A1 (ro)
JP (1) JP6242809B2 (ro)
KR (1) KR101858652B1 (ro)
CN (1) CN104081425B (ro)
AP (1) AP2014007812A0 (ro)
AU (3) AU2012363411A1 (ro)
BR (1) BR112014016093A2 (ro)
CA (2) CA2861764C (ro)
CL (1) CL2014001761A1 (ro)
CO (1) CO7101197A2 (ro)
CR (1) CR20140366A (ro)
CU (1) CU20140076A7 (ro)
DO (1) DOP2014000151A (ro)
EA (1) EA201491295A1 (ro)
GE (1) GEP201706641B (ro)
GT (1) GT201400134A (ro)
HK (1) HK1201968A1 (ro)
IL (1) IL233436B (ro)
MA (1) MA35870B1 (ro)
MD (1) MD20140077A2 (ro)
MX (1) MX2014007864A (ro)
MY (1) MY185230A (ro)
NI (1) NI201400071A (ro)
PE (1) PE20142135A1 (ro)
PH (1) PH12014501519A1 (ro)
RU (1) RU2011154492A (ro)
SG (1) SG11201403670WA (ro)
TN (1) TN2014000285A1 (ro)
UA (1) UA119528C2 (ro)
WO (1) WO2013100824A2 (ro)

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US20170024743A1 (en) * 2015-07-23 2017-01-26 Dashlane, Inc. Method and system for managing payment options
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SA115370156B1 (ar) * 2015-12-17 2019-01-20 سعود سليمان البازعي عادل نظام وطريقة لإصدار وتوثيق شيكات مصرفية مضمونة
RU2634174C1 (ru) * 2016-10-10 2017-10-24 Акционерное общество "Лаборатория Касперского" Система и способ выполнения банковской транзакции
US10574648B2 (en) 2016-12-22 2020-02-25 Dashlane SAS Methods and systems for user authentication
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CN110223052A (zh) * 2018-03-02 2019-09-10 阿里巴巴集团控股有限公司 数据处理方法、装置和机器可读介质
CN111726376B (zh) * 2019-03-19 2022-01-11 阿里巴巴集团控股有限公司 一种现场验票系统
CN109949144A (zh) * 2019-03-22 2019-06-28 深圳前海微众银行股份有限公司 入账处理方法、装置、设备及计算机可读存储介质
CN110276601A (zh) * 2019-06-05 2019-09-24 上海票据交易所股份有限公司 电子商业汇票全生命周期监管系统及方法
CN110458538B (zh) * 2019-07-31 2021-09-24 创新先进技术有限公司 基于区块链的状态机维护方法及装置、电子设备、存储介质
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CN110533400A (zh) * 2019-09-03 2019-12-03 中国建设银行股份有限公司 一种支票存款的方法、装置、设备及存储介质
US11144917B1 (en) 2021-02-26 2021-10-12 Double Check Solutions, Llc Alert management system with real-time remediation and integration with the exception originating system
CN113095803B (zh) * 2021-04-30 2024-02-02 中国银行股份有限公司 一种银行支票的交易方法、装置及设备
CN114430428B (zh) * 2022-04-02 2022-07-05 中国光大银行股份有限公司 客户端接口统一方法、服务系统、存储介质和电子设备
US12211040B1 (en) 2022-07-08 2025-01-28 Double Check Solutions, Inc. Alert management system with real-time verification and integration with the originating system
US11935063B1 (en) * 2022-07-08 2024-03-19 Double Check Solutions, Inc. Fraud alert management system with real-time remediation and integration with the originating system
US11615420B1 (en) 2022-07-08 2023-03-28 Double Check Solutions, Inc. Alert management system with real-time remediation and integration with the overdraft allowance originating system
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US20250037122A1 (en) * 2023-07-24 2025-01-30 Discover Financial Services Computer systems and methods for generation of check processing test data

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