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FR2441222A1 - Credit verification method for cheque payer - is provided by cheque reader connected to central banking computer by telephone line, and generates light signals - Google Patents

Credit verification method for cheque payer - is provided by cheque reader connected to central banking computer by telephone line, and generates light signals

Info

Publication number
FR2441222A1
FR2441222A1 FR7823831A FR7823831A FR2441222A1 FR 2441222 A1 FR2441222 A1 FR 2441222A1 FR 7823831 A FR7823831 A FR 7823831A FR 7823831 A FR7823831 A FR 7823831A FR 2441222 A1 FR2441222 A1 FR 2441222A1
Authority
FR
France
Prior art keywords
cheque
payer
reader
telephone line
light signals
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.)
Withdrawn
Application number
FR7823831A
Other languages
French (fr)
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.)
Individual
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
Priority to FR7823831A priority Critical patent/FR2441222A1/en
Publication of FR2441222A1 publication Critical patent/FR2441222A1/en
Withdrawn legal-status Critical Current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
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing systems

Landscapes

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

Abstract

A system of rules for payment by cheque allows a receiving person at a booking office such as at an hotel to verify immediately that the customer is solvent. A reading machine, which is connected to a central banking system computer reads the personal codes on the cheque to verify the account. A bank cheque carries a code printed in a magnetic ink and which comprises a segment of fifteen digits which identifies the issuing bank. A second segment of fifteen digits identifies the cheque data and issue time. This information is provided by the person receiving the cheque and is entered when a personal code is entered into a cheque reader. The reader reads the codes and amt. of transaction and transmits it via a telephonic line to a central computer, which contains balance information for the account and signals to the reader whether or not the cheque will be honoured by the lighting of a green lamp.
FR7823831A 1978-08-10 1978-08-10 Credit verification method for cheque payer - is provided by cheque reader connected to central banking computer by telephone line, and generates light signals Withdrawn FR2441222A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
FR7823831A FR2441222A1 (en) 1978-08-10 1978-08-10 Credit verification method for cheque payer - is provided by cheque reader connected to central banking computer by telephone line, and generates light signals

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR7823831A FR2441222A1 (en) 1978-08-10 1978-08-10 Credit verification method for cheque payer - is provided by cheque reader connected to central banking computer by telephone line, and generates light signals

Publications (1)

Publication Number Publication Date
FR2441222A1 true FR2441222A1 (en) 1980-06-06

Family

ID=9211818

Family Applications (1)

Application Number Title Priority Date Filing Date
FR7823831A Withdrawn FR2441222A1 (en) 1978-08-10 1978-08-10 Credit verification method for cheque payer - is provided by cheque reader connected to central banking computer by telephone line, and generates light signals

Country Status (1)

Country Link
FR (1) FR2441222A1 (en)

Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0029733A2 (en) * 1979-11-26 1981-06-03 Edward Louis Braun Automated banking apparatus
FR2508204A1 (en) * 1981-06-18 1982-12-24 Tapis Claude Alain Bank-cheque validation system - uses microprocessor to compare data entered by keyboard with encoded data and accordingly illuminate ACCEPT or REFUSE indicator
FR2508678A2 (en) * 1979-11-09 1982-12-31 Widmer Michel Funds transfer data acquisition and processing method e.g. for shops - involves interrogation of local auxiliary data memory for regular updating at central file
WO1983000245A1 (en) * 1981-06-26 1983-01-20 WIDMER, Michel, Jean, François, Marie Integrated device and method for the acquisition, processing and control, related to transactions of all payment instruments such as cheques, magnetic cards and memory cards
FR2528197A1 (en) * 1982-06-08 1983-12-09 Grafeille Jean Marie METHOD OF CONTROLLING THE USE OF RESERVED DOCUMENTS, DOCUMENTS AND DEVICES FOR ITS IMPLEMENTATION
WO1984000229A1 (en) * 1982-06-28 1984-01-19 Shaoul Aharouni Verification system providing for the inviolability of signed documents
FR2558622A1 (en) * 1984-01-19 1985-07-26 Caille Roger Device for checking the authenticity of the writer of a cheque
FR2577704A1 (en) * 1985-02-18 1986-08-22 Systemes Sud Method and machine for checking bank or postal cheques
US4748673A (en) * 1984-06-08 1988-05-31 Electronique Serge Dassault Reader for reading magneto-optical characters, with the options of printing them or storing them
FR2634037A1 (en) * 1988-07-06 1990-01-12 Banque Automation Sa Automatic device for remitting cheques
WO1996005576A1 (en) * 1994-08-10 1996-02-22 Prima Officina Carte Valori Turati Lombardi & C.S.P.A. Credit document connected to a document or customised card, independent customised credit card and associated issuance and validation equipment
US6360211B1 (en) * 1995-12-08 2002-03-19 Mellon Bank, N.A. System and method for electronically processing invoice information
US7103579B1 (en) 2000-03-23 2006-09-05 Electronic Clearinghouse, Inc. Internet based check cashing and clearing method, apparatus and article of manufacture
USRE40220E1 (en) 1996-12-31 2008-04-08 Lml Patent Corp. Check writing point of sale system

Cited By (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2508678A2 (en) * 1979-11-09 1982-12-31 Widmer Michel Funds transfer data acquisition and processing method e.g. for shops - involves interrogation of local auxiliary data memory for regular updating at central file
EP0029733A2 (en) * 1979-11-26 1981-06-03 Edward Louis Braun Automated banking apparatus
EP0029733A3 (en) * 1979-11-26 1982-01-20 Edward Louis Braun Automated apparatus for banking and such transactions and negotiable instrument for use with the apparatus
FR2508204A1 (en) * 1981-06-18 1982-12-24 Tapis Claude Alain Bank-cheque validation system - uses microprocessor to compare data entered by keyboard with encoded data and accordingly illuminate ACCEPT or REFUSE indicator
WO1983000245A1 (en) * 1981-06-26 1983-01-20 WIDMER, Michel, Jean, François, Marie Integrated device and method for the acquisition, processing and control, related to transactions of all payment instruments such as cheques, magnetic cards and memory cards
EP0097110A3 (en) * 1982-06-08 1984-05-30 Michel Bonnaval-Lamothe Method of testing the use of reserved documents, documents and devices for carrying it out
US4774513A (en) * 1982-06-08 1988-09-27 Michel Bonnaval-Lamothe Process for controlling the use of documents and documents and means for implementing this process
FR2528197A1 (en) * 1982-06-08 1983-12-09 Grafeille Jean Marie METHOD OF CONTROLLING THE USE OF RESERVED DOCUMENTS, DOCUMENTS AND DEVICES FOR ITS IMPLEMENTATION
EP0097110A2 (en) * 1982-06-08 1983-12-28 Michel Bonnaval-Lamothe Method of testing the use of reserved documents
WO1984000229A1 (en) * 1982-06-28 1984-01-19 Shaoul Aharouni Verification system providing for the inviolability of signed documents
FR2558622A1 (en) * 1984-01-19 1985-07-26 Caille Roger Device for checking the authenticity of the writer of a cheque
US4748673A (en) * 1984-06-08 1988-05-31 Electronique Serge Dassault Reader for reading magneto-optical characters, with the options of printing them or storing them
FR2577704A1 (en) * 1985-02-18 1986-08-22 Systemes Sud Method and machine for checking bank or postal cheques
FR2634037A1 (en) * 1988-07-06 1990-01-12 Banque Automation Sa Automatic device for remitting cheques
WO1996005576A1 (en) * 1994-08-10 1996-02-22 Prima Officina Carte Valori Turati Lombardi & C.S.P.A. Credit document connected to a document or customised card, independent customised credit card and associated issuance and validation equipment
US6010068A (en) * 1994-08-10 2000-01-04 Nadir Technology Company Limited Credit document connected to a document or customized card, independent customized credit card and associated issuance and validation equipment
US6360211B1 (en) * 1995-12-08 2002-03-19 Mellon Bank, N.A. System and method for electronically processing invoice information
USRE40220E1 (en) 1996-12-31 2008-04-08 Lml Patent Corp. Check writing point of sale system
US7103579B1 (en) 2000-03-23 2006-09-05 Electronic Clearinghouse, Inc. Internet based check cashing and clearing method, apparatus and article of manufacture

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Legal Events

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