WO1999064999B1 - Secure check processing system and method - Google Patents

Secure check processing system and method

Info

Publication number
WO1999064999B1
WO1999064999B1 PCT/US1999/013108 US9913108W WO9964999B1 WO 1999064999 B1 WO1999064999 B1 WO 1999064999B1 US 9913108 W US9913108 W US 9913108W WO 9964999 B1 WO9964999 B1 WO 9964999B1
Authority
WO
WIPO (PCT)
Prior art keywords
check
account
central processing
drawn against
processing center
Prior art date
Application number
PCT/US1999/013108
Other languages
French (fr)
Other versions
WO1999064999A9 (en
WO1999064999A3 (en
WO1999064999A2 (en
Inventor
David Milton Goldenberg
Original Assignee
David Milton Goldenberg
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 David Milton Goldenberg filed Critical David Milton Goldenberg
Priority to CA002334735A priority Critical patent/CA2334735A1/en
Priority to AU46788/99A priority patent/AU4678899A/en
Publication of WO1999064999A2 publication Critical patent/WO1999064999A2/en
Publication of WO1999064999A3 publication Critical patent/WO1999064999A3/en
Publication of WO1999064999A9 publication Critical patent/WO1999064999A9/en
Publication of WO1999064999B1 publication Critical patent/WO1999064999B1/en

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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • 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

Abstract

An apparatus and a method for countering fraudulent check cashing schemes includes a central processing center that is connected to a plurality of banks through secure communication channels. Each check drawn against the banks has information stored therein, with that information corresponding to a plurality of digits/characters for the central processing center, a plurality of digits/characters for the bank for which the check is to be drawn against, and an account at the bank for which the check is to be drawn against. The central processing center only stores the digits/characters, and does not know any personal information regarding who/what actually owns the accounts. When a check is presented at a bank, the information on the check is sent through one of the secure communication channels to the central processing system, which determines whether or not the account has sufficient funds to allow the check to be drawn against the account. If the check can be drawn against the account, the central processing system provisionally debits the account, so that all future requests to draw against the account will be checked against the current balance of the account, even though the check has not cleared through the banking system as yet.

Claims

16AMENDED CLAIMS[received by the International Bureau on 25 May 2000 (25.05.00); original claims 1-12 amended (5 pages)]
1. A method of verifying a check presented to one of a plurality of banks, the method comprising the steps of: a) recording, on the check, information regarding an account to which the check is to be drawn against, a bank having the account which is to be drawn against, and a central processing center; b) retrieving, by the central processing center, current account information with respect to all accounts of the plurality of banks; c) sending to the central processing center, through a communication channel connecting the one bank and the central processing center, the information regarding the check presented at the one bank; and d) determining, at the central processing center, whether or not the check is capable of being drawn against the account to which the check is to be drawn against; e) if the check is capable of being drawn against the account, provisionally debiting the account and notifying the one bank that the check can be drawn against the account; and f) if the check is not capable of being drawn against the account, notifying the one bank that the check cannot be drawn against the account, wherein each of the plurality of banks are connected to the central processing center through a corresponding secure communication channel.
2. The method according to claim 1, wherein the step e) is performed before the check clears, and wherein when another check is presented against the account prior to the check clearing, the central processing center uses a current balance of the account based on the provisional debiting of the account to determine if the another check can be drawn against the account.
3. The method according to claim 1, wherein the information recorded in the step a) includes a first plurality of digits or characters representing the central processing center, a 17
second plurality of digits or characters representing the bank having the account which is to be drawn against, and a third plurality of digits or characters representing the account.
4. The method according to claim 3, wherein the information is stored on the check as one of a bar code, a magnetic strip, a string of digits and/or characters, and an invisible imprint on the check.
5. A method of verifying a check presented to one of a plurality of banks, the method comprising the steps of: a) recording, on the check, information regarding an account to which the check is to be drawn against, a bank having the account which is to be drawn against, and a central processing center; b) sending to the central processing center, through a communication channel connecting the one bank and the central processing center, the information regarding the check presented at the one bank; c) sending a request, by the central processing center to the bank having the account which is to be drawn against, regarding current account information of the account which is to be drawn against; d) receiving, by the central processing center, the current account information sent from the bank having the account which is to be drawn against; e) determining, at the central processing center, whether or not the check is capable of being drawn against the account to which the check is to be drawn against; f) if the check is capable of being drawn against the account, provisionally debiting the account and notifying the one bank that the check can be drawn against the account; and g) if the check is not capable of being drawn against the account, notifying the one bank that the check cannot be drawn against the account.
6. An apparatus or facility for determining whether a check can be drawn against a particular account for which the check is presented against, the apparatus comprising: a central processing center having a memory for storing information related to accounts of a 18
plurality of banks that are communicatively coupled to the central processing center; a plurality of communication channels respectively connecting the plurality of banks with the central processing center; and reading units in each of the plurality of banks, the reading units configured to read the check presented at one of the plurality of banks and to send information stored on the check to the central processing center, wherein the central processing center determines, based on the stored information in the memory and the received information from the reading units, whether the check can be drawn against the particular account, and wherein the central processing center sends information related to the determination by the central processing unit to the one bank at which the check was presented, wherein each of the plurality of communication channels is a secure communication channel.
7. The apparatus or facility according to claim 6, wherein, when the determination is that the check can be drawn against the particular account, the particular account is provisionally debited by the central processing center and the memory is updated to reflect the provisional debiting.
8. The apparatus or facility according to claim 6, wherein the memory is updated before the check clears the bank clearing house system, and wherein when another check is presented against the particular account prior to the check clearing, the central processing center uses a current balance of the particular account based on the provisional debiting of the particular account to determine if the another check can be drawn against the particular account.
9. The apparatus or facility according to claim 6, further comprising a recording unit for recording the information onto the check, the information including, a first plurality of digits or characters representing the central processing center, a second plurality of digits or characters representing the bank having the account which is to be drawn against, and 19
a third plurality of digits or characters representing the particular account.
10. The apparatus or facility according to claim 9, wherein the information is stored on the check as one of a bar code, a magnetic strip, a string of digits and/or characters, and an invisible imprint on the check.
11. A method of verifying a check presented to one of a plurality of banks, the method comprising the steps of: a) recording, on the check, information regarding an account to which the check is to be drawn against, a bank having the account which is to be drawn against, and one central processing center; b) sending the information to the one central processing center, the one central processing center being sent the information over a network that includes a plurality of other central processing centers that are not sent the information; c) retrieving, by the one central processing center, current account information with respect to all accounts of the plurality of banks; d) sending to the one central processing center, through a communication channel connecting the one bank and the one central processing center, the information regarding the check presented at the one bank; and e) determining, at the one central processing center, whether or not the check is capable of being drawn against the account to which the check is to be drawn against; f) if the check is capable of being drawn against the account, provisionally debiting the account and notifying the one bank that the check can be drawn against the account; and g) if the check is not capable of being drawn against the account, notifying the one bank that the check cannot be drawn against the account.
12. A method of verifying a check presented to one of a plurality of banks, the method comprising the steps of: a) recording, on the check, information regarding an account to which the check is to be drawn against, a bank having the account which is to be drawn against, and a central 20
processing center; b) retrieving, by the central processing center, current account information with respect to all accounts of the plurality of banks; c) sending to the central processing center, through a communication channel connecting the one bank and the central processing center, the information regarding the check presented at the one bank; and d) determining, at the central processing center, whether or not the check is capable of being drawn against the account to which the check is to be drawn against; e) if the check is capable of being drawn against the account, provisionally debiting the account and notifying the one bank that the check can be drawn against the account; and f) if the check is not capable of being drawn against the account, notifying the one bank that the check cannot be drawn against the account, wherein each of the plurality of banks constantly provide updated information as to current account balance information to the central processing center.
PCT/US1999/013108 1998-06-10 1999-06-10 Secure check processing system and method WO1999064999A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA002334735A CA2334735A1 (en) 1998-06-10 1999-06-10 Secure check processing system and method
AU46788/99A AU4678899A (en) 1998-06-10 1999-06-10 Secure check processing system and method

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/095,099 US6036344A (en) 1998-06-10 1998-06-10 Secure check processing system and method
US09/095,099 1998-06-10

Publications (4)

Publication Number Publication Date
WO1999064999A2 WO1999064999A2 (en) 1999-12-16
WO1999064999A3 WO1999064999A3 (en) 2000-05-11
WO1999064999A9 WO1999064999A9 (en) 2000-07-20
WO1999064999B1 true WO1999064999B1 (en) 2000-10-19

Family

ID=22249613

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1999/013108 WO1999064999A2 (en) 1998-06-10 1999-06-10 Secure check processing system and method

Country Status (4)

Country Link
US (1) US6036344A (en)
AU (1) AU4678899A (en)
CA (1) CA2334735A1 (en)
WO (1) WO1999064999A2 (en)

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Also Published As

Publication number Publication date
CA2334735A1 (en) 1999-12-16
AU4678899A (en) 1999-12-30
WO1999064999A9 (en) 2000-07-20
WO1999064999A3 (en) 2000-05-11
WO1999064999A2 (en) 1999-12-16
US6036344A (en) 2000-03-14

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