MA54769B1 - Procede de verification instantanee des cheques et des lettres de change normalisees. - Google Patents

Procede de verification instantanee des cheques et des lettres de change normalisees.

Info

Publication number
MA54769B1
MA54769B1 MA54769A MA54769A MA54769B1 MA 54769 B1 MA54769 B1 MA 54769B1 MA 54769 A MA54769 A MA 54769A MA 54769 A MA54769 A MA 54769A MA 54769 B1 MA54769 B1 MA 54769B1
Authority
MA
Morocco
Prior art keywords
payment
check
exchange
standardized
incidents
Prior art date
Application number
MA54769A
Other languages
English (en)
Other versions
MA54769A1 (fr
Inventor
Abdelali Boukachabine
Original Assignee
Abdelali Boukachabine
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 Abdelali Boukachabine filed Critical Abdelali Boukachabine
Priority to MA54769A priority Critical patent/MA54769B1/fr
Priority to PCT/MA2022/000009 priority patent/WO2023075581A1/fr
Priority to US18/705,953 priority patent/US20240420097A1/en
Publication of MA54769A1 publication Critical patent/MA54769A1/fr
Publication of MA54769B1 publication Critical patent/MA54769B1/fr

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
    • 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
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V30/00—Character recognition; Recognising digital ink; Document-oriented image-based pattern recognition
    • G06V30/40—Document-oriented image-based pattern recognition
    • G06V30/41—Analysis of document content
    • G06V30/416—Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Artificial Intelligence (AREA)
  • Multimedia (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Les incidents de paiement par chèque ou par lettre de change normalisée pour insuffisance de provision, lors de la présentation au règlement, ont un impact significatif sur l’économie d’un pays. En effet au maroc, l’encours des incidents de paiement chèques non encore régularisés, enregistré auprès de la centrale des incidents de paiement de bank al maghrib s’est établi à 107,8 milliards de dirhams à fin 2020. La présente invention a pour objet un procédé de gestion permettant de lutter contre les chèques impayés et les lettres de change normalisées impayées en permettant à un commerçant bénéficiaire d’un paiement par l’un de ces deux instruments de paiement de disposer en temps réel de la visibilité sur la capacité de son client à honorer son engagement. L’invention permet de gérer l'interaction entre un commerçant bénéficiaire d’un paiement par un chèque ou par une lettre de change normalisée, qui souhaite vérifier la solvabilité de son client, et la banque du tireur à l'aide d'un centre de traitement relié à une pluralité de banques par l'intermédiaire de voies de communication sûres. Le procédé offre également aux commerçants, lors de la transaction commerciale, une assurance supplémentaire pour la prise de décision en vue de l’acceptation ou non d’un moyen de paiement de leurs clients, et ce à travers la génération d’un pourcentage de probabilité d’occurrence d’un incident de paiement d’un chèque ou d’une lettre de change normalisée calculé sur la base d’un modèle de notation prédictif.
MA54769A 2021-10-27 2021-10-27 Procede de verification instantanee des cheques et des lettres de change normalisees. MA54769B1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
MA54769A MA54769B1 (fr) 2021-10-27 2021-10-27 Procede de verification instantanee des cheques et des lettres de change normalisees.
PCT/MA2022/000009 WO2023075581A1 (fr) 2021-10-27 2022-06-13 Procede de verification instantanee des cheques et des lettres de change normalisees
US18/705,953 US20240420097A1 (en) 2021-10-27 2022-06-13 Instant verification method of check and standardized bills of exchange

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
MA54769A MA54769B1 (fr) 2021-10-27 2021-10-27 Procede de verification instantanee des cheques et des lettres de change normalisees.

Publications (2)

Publication Number Publication Date
MA54769A1 MA54769A1 (fr) 2023-04-28
MA54769B1 true MA54769B1 (fr) 2023-07-31

Family

ID=82067600

Family Applications (1)

Application Number Title Priority Date Filing Date
MA54769A MA54769B1 (fr) 2021-10-27 2021-10-27 Procede de verification instantanee des cheques et des lettres de change normalisees.

Country Status (3)

Country Link
US (1) US20240420097A1 (fr)
MA (1) MA54769B1 (fr)
WO (1) WO2023075581A1 (fr)

Family Cites Families (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4109238A (en) * 1975-10-06 1978-08-22 1St Natl. Bank Of Atlanta Apparatus for verifying checks presented for acceptance
US5175682A (en) * 1990-12-14 1992-12-29 Verifone, Inc. Check system and method including prioritizing checks for transmission to banks for processing
US5594226A (en) * 1994-07-11 1997-01-14 Steger; Paul Automated check verification and tracking system using bar code information
US5679938A (en) * 1994-12-02 1997-10-21 Telecheck International, Inc. Methods and systems for interactive check authorizations
US7403922B1 (en) * 1997-07-28 2008-07-22 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction
JP4176180B2 (ja) * 1998-03-13 2008-11-05 富士通株式会社 電子小切手システム、金融情報管理システム、電子小切手管理装置、金融情報管理プログラムを記録したコンピュータ読み取り可能な記録媒体、及び電子小切手管理プログラムを記録したコンピュータ読み取り可能な記録媒体
CA2276637A1 (fr) * 1999-06-30 2000-12-30 Alan A. Mcnaughton Systeme automatise polyvalent d'execution de transactions
US8944234B1 (en) * 2001-09-27 2015-02-03 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US20180189870A1 (en) * 2002-05-14 2018-07-05 Early Warning Services, Llc Multi-database system for storing data from multiple data sources
US8165381B1 (en) * 2004-06-24 2012-04-24 Jpmorgan Chase Bank, N.A. Method and system for transaction decision making
KR20090077657A (ko) 2008-01-11 2009-07-15 에스케이에너지 주식회사 배터리 관리 시스템에서 배터리의 ｓｏｃ 측정 방법 및 장치
US9672510B2 (en) * 2008-01-18 2017-06-06 Mitek Systems, Inc. Systems and methods for automatic image capture and processing of documents on a mobile device
US9129340B1 (en) * 2010-06-08 2015-09-08 United Services Automobile Association (Usaa) Apparatuses, methods and systems for remote deposit capture with enhanced image detection
US8639016B2 (en) * 2011-01-11 2014-01-28 Bank Of America Corporation Mobile communication device-based check verification
US9449312B1 (en) * 2012-06-01 2016-09-20 Dadesystems, Llp Systems and devices controlled responsive to data bearing records
US10552810B1 (en) * 2012-12-19 2020-02-04 United Services Automobile Association (Usaa) System and method for remote deposit of financial instruments
US20150012442A1 (en) * 2013-03-14 2015-01-08 Bill.Com, Inc. Enhanced system and method for scanning and processing of payment documentation
US9922311B2 (en) * 2013-03-15 2018-03-20 Mastercard International Incorporated Account mask identifier apparatus, method, and computer program product
US20140351129A1 (en) * 2013-05-24 2014-11-27 Hewlett-Packard Development Company, L.P. Centralized versatile transaction verification
US9626724B2 (en) * 2013-06-14 2017-04-18 Bank Of America Corporation Digital image check services
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US20150120548A1 (en) * 2013-10-29 2015-04-30 Bank Of America Corporation Data lifting for stop payment requests
US9412135B2 (en) * 2013-10-29 2016-08-09 Bank Of America Corporation Check data lift for online accounts
US10373128B2 (en) * 2015-06-25 2019-08-06 Bank Of America Corporation Dynamic resource management associated with payment instrument exceptions processing
US10229395B2 (en) * 2015-06-25 2019-03-12 Bank Of America Corporation Predictive determination and resolution of a value of indicia located in a negotiable instrument electronic image
US11694168B2 (en) * 2015-07-01 2023-07-04 The Clearing House Payments Company L.L.C. Real-time payment system, method, apparatus, and computer program
WO2022031592A1 (fr) * 2020-08-05 2022-02-10 Mastercard International Incorporated Systèmes et procédés relatifs à la segmentation en unités lexicales
US11900755B1 (en) * 2020-11-30 2024-02-13 United Services Automobile Association (Usaa) System, computing device, and method for document detection and deposit processing
US20240281812A1 (en) * 2021-06-10 2024-08-22 Wells Fargo Bank, N.A. Cross-entity transaction analysis
US12499427B2 (en) * 2021-08-31 2025-12-16 Early Warning Services, Llc Direct electronic bill payment with real-time funds availability

Also Published As

Publication number Publication date
MA54769A1 (fr) 2023-04-28
WO2023075581A1 (fr) 2023-05-04
US20240420097A1 (en) 2024-12-19

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