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BR0013224A - Terminal de pagamento de ponto de venda integrado, e, método de conversão de cheque eletrônico para uso com um terminal de pagamento de ponto de venda integrado - Google Patents

Terminal de pagamento de ponto de venda integrado, e, método de conversão de cheque eletrônico para uso com um terminal de pagamento de ponto de venda integrado

Info

Publication number
BR0013224A
BR0013224A BR0013224-1A BR0013224A BR0013224A BR 0013224 A BR0013224 A BR 0013224A BR 0013224 A BR0013224 A BR 0013224A BR 0013224 A BR0013224 A BR 0013224A
Authority
BR
Brazil
Prior art keywords
payment terminal
integrated point
processor
housing
sale payment
Prior art date
Application number
BR0013224-1A
Other languages
English (en)
Inventor
Sandy Mollett
Randy Templeton
David Wayne Smith
Original Assignee
First Data Corp
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 First Data Corp filed Critical First Data Corp
Publication of BR0013224A publication Critical patent/BR0013224A/pt

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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0004—Hybrid readers
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit

Landscapes

  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Artificial Intelligence (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

"TERMINAL DE PAGAMENTO DE PONTO DE VENDA INTEGRADO, E, MéTODO DE CONVERSãO DE CHEQUE ELETRôNICO PARA USO COM UM TERMINAL DE PAGAMENTO DE PONTO DE VENDA INTEGRADO". Um terminal de ponto de venda integrado para processar múltiplos tipos de pagamento. O alojamento (12) tem uma base formada para se situar sobre um balcão comercial e tem uma abertura de documento para receber um cheque. O processador está disposto no alojamento (12), e a memória está em comunicação com o processador. O terminal de pagamento (10) está localizado no ponto de venda durante o uso para permitir um comerciante de loja aceitar múltiplos tipos de pagamento. O terminal de pagamento (10) ademais inclui um dispositivo de reconhecimento de caracter de tinta magnética para ler um seq³ência de caracteres de tinta magnética no cheque, que é preso ao alojamento (12) na abertura de documento e está em comunicação com o processador. Ademais, o terminal de pagamento (10) inclui um dispositivo de formação de imagens (20) para capturar uma imagem do cheque. O dispositivo de formação de imagens (20) é preso ao alojamento (12) na abertura de documento e está em comunicação com o processador.
BR0013224-1A 1999-08-09 2000-08-09 Terminal de pagamento de ponto de venda integrado, e, método de conversão de cheque eletrônico para uso com um terminal de pagamento de ponto de venda integrado BR0013224A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14789999P 1999-08-09 1999-08-09
PCT/US2000/021772 WO2001011528A1 (en) 1999-08-09 2000-08-09 Point of sale payment terminal

Publications (1)

Publication Number Publication Date
BR0013224A true BR0013224A (pt) 2003-07-15

Family

ID=22523382

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0013224-1A BR0013224A (pt) 1999-08-09 2000-08-09 Terminal de pagamento de ponto de venda integrado, e, método de conversão de cheque eletrônico para uso com um terminal de pagamento de ponto de venda integrado

Country Status (10)

Country Link
US (3) US6547132B1 (pt)
EP (1) EP1242935A4 (pt)
CN (1) CN1222900C (pt)
AU (2) AU776217B2 (pt)
BR (1) BR0013224A (pt)
CA (1) CA2381680A1 (pt)
HK (1) HK1052064A1 (pt)
MX (1) MXPA02001382A (pt)
NZ (1) NZ517144A (pt)
WO (1) WO2001011528A1 (pt)

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MXPA02001382A (es) 2004-07-16
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CN1222900C (zh) 2005-10-12
AU2004233450A1 (en) 2004-12-16
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US7540410B2 (en) 2009-06-02
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US20060261155A1 (en) 2006-11-23
US6547132B1 (en) 2003-04-15
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US20030111529A1 (en) 2003-06-19
US7124936B2 (en) 2006-10-24

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