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    • 6. 发明申请
    • COMPUTER SYSTEM AND METHOD FOR INITIATING PAYMENTS BASED ON CHEQUES
    • 基于检查启动支付的计算机系统和方法
    • WO2013102749A1
    • 2013-07-11
    • PCT/GB2012/052837
    • 2012-11-15
    • BARCLAYS BANK PLC
    • SAYERS, IanDWYER, DermotFOULDS, DarrenMADDOX, Paul Geoffrey
    • G06Q20/04G06Q20/20G06Q20/32G06Q20/42
    • G06Q20/042G06Q20/10G06Q20/20G06Q20/322G06Q20/409
    • Computer System and Method for Initiating Payments based on Cheques A system and method for initiating electronic payments based on paper cheques, comprising a paying party chip-and-PIN terminal arranged to input cleartext data including cheque number and amount from a cheque issued by a first bank, at which the paying party has an account, and generate from it encoded data using a key, for the user to write on the cheque; and a computer associated with the first bank, arranged to accept, from a paid party via the internet, data defining a second bank and an account thereat associated with the paid party; accept, from the paid party, the cleartext data and the encoded data from the cheque, and to validate the cleartext data from the cheque using the encoded data and the key; and initiate an electronic funds transfer from the first bank to the second bank of the amount specified on the cheque.
    • 用于基于检查启动付款的计算机系统和方法用于基于纸张检查发起电子支付的系统和方法,包括付费方芯片和PIN终端,其被布置为从由第一个发行的支票发出的支票输入包括支票号码和金额的明文数据 银行,付款方有帐户,并使用密钥从其生成编码数据,供用户在支票上写入; 以及与所述第一银行相关联的计算机,被布置为经由互联网从付费方接受定义与所述付费方相关联的第二银行和所述账户的数据; 从支付方接受明文数据和来自支票的编码数据,并使用编码数据和密钥验证来自支票的明文数据; 并开始从支票上指定的金额从第一家银行向第二家银行转移电子资金。