CA2470254A1 - System and method for electronic check conversion at a point-of-sale terminal - Google Patents

System and method for electronic check conversion at a point-of-sale terminal Download PDF

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Publication number
CA2470254A1
CA2470254A1 CA002470254A CA2470254A CA2470254A1 CA 2470254 A1 CA2470254 A1 CA 2470254A1 CA 002470254 A CA002470254 A CA 002470254A CA 2470254 A CA2470254 A CA 2470254A CA 2470254 A1 CA2470254 A1 CA 2470254A1
Authority
CA
Canada
Prior art keywords
check
slip
point
purchaser
micr
Prior art date
Legal status (The legal status 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 status listed.)
Granted
Application number
CA002470254A
Other languages
French (fr)
Other versions
CA2470254C (en
Inventor
Jeffery Alan Hayes
John L. George
Mark Evans Raezer
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Toshiba Global Commerce Solutions Holdings Corp
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of CA2470254A1 publication Critical patent/CA2470254A1/en
Application granted granted Critical
Publication of CA2470254C publication Critical patent/CA2470254C/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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
    • G06Q20/04—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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

Abstract

A system and method of electronic check processing at an existing point-of-sale (POS) system (10). A customer presents a check to pay for a transaction at the POS. A checker runs the check through an MICR scanner (22) and captures the MICR information from the check. The MICR information is forwarded to a verification system (12) for approval. Once the check is approved, the purchaser's contact information is scanned and digitized from the face of the check by an optical scanner (23) to create an ECC Agreement slip (150), which is printed on a high speed printer (24). Once the purchaser signs the agreement slip (150), he returns the slip (150) to the checker. The slip (150) is retained by the retailer and handled for cash balancing similarly to a charge card slip. The point-of-sale terminal (10) automatically voids the negotiable instrument (162) prior to the instrument (162) being returned to the purchaser to complete the transaction.
CA002470254A 2002-01-02 2002-05-20 System and method for electronic check conversion at a point-of-sale terminal Expired - Lifetime CA2470254C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US10/038,033 2002-01-02
US10/038,033 US6644546B2 (en) 2002-01-02 2002-01-02 System and method for electronic check conversion at a point-of-sale terminal
PCT/US2002/018361 WO2003060749A1 (en) 2002-01-02 2002-05-20 System and method for electronic check conversion at a point-of-sale terminal

Publications (2)

Publication Number Publication Date
CA2470254A1 true CA2470254A1 (en) 2003-07-24
CA2470254C CA2470254C (en) 2008-02-05

Family

ID=21897727

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002470254A Expired - Lifetime CA2470254C (en) 2002-01-02 2002-05-20 System and method for electronic check conversion at a point-of-sale terminal

Country Status (9)

Country Link
US (1) US6644546B2 (en)
EP (1) EP1476822A4 (en)
JP (2) JP4542780B2 (en)
KR (1) KR100702426B1 (en)
CN (1) CN1650289A (en)
AU (1) AU2002315030A1 (en)
CA (1) CA2470254C (en)
TW (1) TWI232393B (en)
WO (1) WO2003060749A1 (en)

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Also Published As

Publication number Publication date
EP1476822A4 (en) 2008-01-16
AU2002315030A1 (en) 2003-07-30
JP2005534085A (en) 2005-11-10
WO2003060749A1 (en) 2003-07-24
KR100702426B1 (en) 2007-04-04
TW200307876A (en) 2003-12-16
US6644546B2 (en) 2003-11-11
EP1476822A1 (en) 2004-11-17
US20030121966A1 (en) 2003-07-03
JP2008181560A (en) 2008-08-07
CA2470254C (en) 2008-02-05
JP4542780B2 (en) 2010-09-15
TWI232393B (en) 2005-05-11
CN1650289A (en) 2005-08-03
KR20040068536A (en) 2004-07-31

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