GT201400134A - Sistema de pago electrónico basado en cheques y procedimientos para emitir, transferir, pagar y verificar cheques electrónicos - Google Patents

Sistema de pago electrónico basado en cheques y procedimientos para emitir, transferir, pagar y verificar cheques electrónicos

Info

Publication number
GT201400134A
GT201400134A GT201400134A GT201400134A GT201400134A GT 201400134 A GT201400134 A GT 201400134A GT 201400134 A GT201400134 A GT 201400134A GT 201400134 A GT201400134 A GT 201400134A GT 201400134 A GT201400134 A GT 201400134A
Authority
GT
Guatemala
Prior art keywords
checks
electronic
issue
payment system
procedures
Prior art date
Application number
GT201400134A
Other languages
English (en)
Inventor
Ilya Vladimirovich Kligman
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 filed Critical
Publication of GT201400134A publication Critical patent/GT201400134A/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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

LA INVENCIÓN SE REFIERE AL ÁMBITO DE LAS TECNOLOGÍAS DE LA INFORMACIÓN, EN PARTICULAR, A SISTEMAS ELECTRÓNICOS Y PROCEDIMIENTOS DE CIRCULACIÓN DE FONDOS MONETARIOS Y PUEDE SER USADA PARA RESOLVER PROBLEMAS DE LIQUIDACIONES MUTUAS ENTRE PARTICIPANTES DEL SISTEMA DE PAGO ELECTRÓNICO EN LA MODALIDAD DE TIEMPO REAL. AL HACERLO, EL ANÁLOGO DE LOS FONDOS MONETARIOS EN LA INVENCIÓN PRESENTADA SON CHEQUES BANCARIOS ELECTRÓNICOS AL PORTADOR QUE CUMPLEN LAS REGULACIONES BANCARIAS Y LOS REQUISITOS DE LA LEGISLACIÓN APLICABLE. LAS UNIDADES DE APLICACIONES CLIENTE SON REPRESENTADAS COMO AGRUPADAS EN MÓDULOS POR CATEGORÍAS CORRESPONDIENTES AL ESTADO DEL USUARIO, DETERMINADO POR LA UNIDAD DE AUTORIZACIÓN DE LAS APLICACIONES CLIENTE Y SERVIDOR, PROPORCIONANDO LA POSIBILIDAD DE PREFIJAR UN GRUPO DE PARÁMETROS DE CIRCULACIÓN DE CHEQUES PARA CADA CATEGORÍA. LA EMISIÓN DE CHEQUES ESTÁ ACOMPAÑADA DE LA CREACIÓN DE DOCUMENTOS LEGALMENTE VALIDOS Y EL REFLEJO DE LAS TRANSACCIONES EN EL REGISTRO DE CHEQUES.
GT201400134A 2011-12-30 2014-06-27 Sistema de pago electrónico basado en cheques y procedimientos para emitir, transferir, pagar y verificar cheques electrónicos GT201400134A (es)

Applications Claiming Priority (1)

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

Publications (1)

Publication Number Publication Date
GT201400134A true GT201400134A (es) 2015-03-05

Family

ID=48698770

Family Applications (1)

Application Number Title Priority Date Filing Date
GT201400134A GT201400134A (es) 2011-12-30 2014-06-27 Sistema de pago electrónico basado en cheques y procedimientos para emitir, transferir, pagar y verificar cheques electrónicos

Country Status (30)

Country Link
US (2) US10134015B2 (es)
EP (2) EP2800049A4 (es)
JP (1) JP6242809B2 (es)
KR (1) KR101858652B1 (es)
CN (1) CN104081425B (es)
AP (1) AP2014007812A0 (es)
AU (3) AU2012363411A1 (es)
BR (1) BR112014016093A2 (es)
CA (2) CA2861764C (es)
CL (1) CL2014001761A1 (es)
CO (1) CO7101197A2 (es)
CR (1) CR20140366A (es)
CU (1) CU20140076A7 (es)
DO (1) DOP2014000151A (es)
EA (1) EA201491295A1 (es)
GE (1) GEP201706641B (es)
GT (1) GT201400134A (es)
IL (1) IL233436B (es)
MA (1) MA35870B1 (es)
MD (1) MD20140077A2 (es)
MX (1) MX2014007864A (es)
MY (1) MY185230A (es)
NI (1) NI201400071A (es)
PE (1) PE20142135A1 (es)
PH (1) PH12014501519A1 (es)
RU (1) RU2011154492A (es)
SG (1) SG11201403670WA (es)
TN (1) TN2014000285A1 (es)
UA (1) UA119528C2 (es)
WO (1) WO2013100824A2 (es)

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Also Published As

Publication number Publication date
GEP201706641B (en) 2017-03-27
MA35870B1 (fr) 2014-12-01
CN104081425B (zh) 2018-04-24
IL233436B (en) 2018-02-28
CA2861764A1 (en) 2013-07-04
WO2013100824A3 (ru) 2013-11-07
TN2014000285A1 (en) 2015-09-30
CU20140076A7 (es) 2014-10-02
AU2017264991A1 (en) 2017-12-07
EP3570243B1 (en) 2025-08-06
KR101858652B1 (ko) 2018-05-17
EP3570243A1 (en) 2019-11-20
AU2012363411A1 (en) 2014-07-24
US20150073986A1 (en) 2015-03-12
MD20140077A2 (ro) 2015-01-31
SG11201403670WA (en) 2014-11-27
PE20142135A1 (es) 2015-01-08
CA3023328A1 (en) 2013-07-04
AU2019280039A1 (en) 2020-01-16
WO2013100824A2 (ru) 2013-07-04
CO7101197A2 (es) 2014-10-31
CA2861764C (en) 2018-11-27
PH12014501519A1 (en) 2014-10-08
CN104081425A (zh) 2014-10-01
AP2014007812A0 (en) 2014-07-31
NI201400071A (es) 2015-12-10
MY185230A (en) 2021-04-30
HK1201968A1 (en) 2015-09-11
BR112014016093A2 (pt) 2017-06-13
US10134015B2 (en) 2018-11-20
EP3570243C0 (en) 2025-08-06
EP2800049A2 (en) 2014-11-05
CL2014001761A1 (es) 2015-03-06
DOP2014000151A (es) 2014-10-15
MX2014007864A (es) 2015-04-16
CR20140366A (es) 2015-01-16
KR20140130673A (ko) 2014-11-11
RU2011154492A (ru) 2013-07-27
EA201491295A1 (ru) 2014-11-28
JP6242809B2 (ja) 2017-12-13
EP2800049A4 (en) 2015-07-01
JP2015515032A (ja) 2015-05-21
UA119528C2 (uk) 2019-07-10
US20190073643A1 (en) 2019-03-07
IL233436A0 (en) 2014-08-31

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