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    • 53. 发明申请
    • Multi-Party Digital Check
    • US20210035073A1
    • 2021-02-04
    • US16942747
    • 2020-07-29
    • Pankaj Gupta
    • Pankaj Gupta
    • G06Q20/04G06Q40/00G06Q20/10G06Q20/40
    • Exemplary embodiments provide a multi-party digital check (MP-DC) through an electronic payment system that captures payor payment data/metadata regarding the intended multiple payees. The current embodiment shows two distinct payees, however the system is scalable to more than two distinct payees. MP-DC could have originated from a paper check as a facsimile picture or could be computer generated. The MP-DC is delivered to both payees via an online channel such as email, phone text message, in app message or any other form of online communication. In the current embodiment either Payee can endorse the MP-DC completely online with it's online signature or equivalent unique key i.e. without printing out the check. Once a payee has endorsed the MP-DC the other payee gets an online notification presenting the second payee with a MP-DC. The second payee has the option to cash the MP-DC using one of the methods/options presented. In the current embodiment, available options are printing the check, adding bank account information for ACH or Check21 deposit, adding debit card information for “push to card” transaction or receiving a Virtual or Physical Debit or Credit with balance equal to the amount on the original check.
    • 59. 发明申请
    • Credit and transaction systems
    • 信用和交易系统
    • US20080281726A1
    • 2008-11-13
    • US12053447
    • 2008-03-21
    • Pankaj Gupta
    • Pankaj Gupta
    • G06Q30/00
    • G06Q50/01G06Q30/0601G06Q30/0603G06Q40/00G06Q40/025
    • An Internet-coupled transaction service has a link to a computer appliance coupled to a merchant site, the computer appliance operated by a person who has selected one or more products or services to purchase at the merchant site, and who has selected, through the merchant site, the transaction service to arrange payment, and software executing from a computer-readable medium accessible to the service. The transaction service, via the software verifies the identity of the person, determines a credit worthiness for the person, and the score being sufficient, arranges payment to be made to the merchant on behalf of the person, and arranges repayment terms with the person for the payment to the merchant.
    • 互联网交易服务具有连接到商家站点的计算机设备的链接,该计算机设备由选择一个或多个产品或服务的人在商家站点处购买,以及谁通过商家选择了 站点,安排支付的交易服务以及从服务可访问的计算机可读介质执行的软件。 交易服务通过软件验证该人的身份,确定该人的信用价值,并且该分数足够,代表该人安排向商人付款,并且向该人员安排还款条件 付款给商家。