초록 ▼

A computer-based electronic payment system, in which a payer's check issuing computer issues an electronic check having a check identifier and an issue time, where the check identifier includes a payer identifier for uniquely identifying a payer and a payment identifier for uniquely identifying a pa

A computer-based electronic payment system, in which a payer's check issuing computer issues an electronic check having a check identifier and an issue time, where the check identifier includes a payer identifier for uniquely identifying a payer and a payment identifier for uniquely identifying a payment. Then, at a payee's check processing computer receiving the electronic check from the payer and at a bank's check processing computer receiving the electronic check transmitted from the payee, a check identifier of each electronic check accepted during a prescribed period of time prior to a current time is recorded, and a received electronic check is refused when the issue time of the received electronic check is older than the prescribed period of time past of the current time or the check identifier of the received electronic check is identical to any recorded check identifier of an already accepted electronic check, or a received electronic check is accepted when the acceptance is not refused.

대표청구항 ▼

[ What is claimed is:] [1.] A computer-based electronic payment system, comprising:a payer's check issuing computer for issuing an electronic check having a check identifier and an issue time, the check identifier including a payer identifier for uniquely identifying a payer and a payment identifier

[ What is claimed is:] [1.] A computer-based electronic payment system, comprising:a payer's check issuing computer for issuing an electronic check having a check identifier and an issue time, the check identifier including a payer identifier for uniquely identifying a payer and a payment identifier for uniquely identifying a payment;a payee's check processing computer for receiving the electronic check from the payer's check issuing computer, for recording a check identifier of each electronic check accepted by the payee's check processing computer during a first prescribed period of time prior to a current time, for refusing an acceptance of a received electronic check when the issue time of the received electronic check is older than the first prescribed period of time prior to the current time or if the check identifier of the received electronic check is identical to any recorded check identifier of an already accepted electronic check, for accepting a received electronic check when the acceptance is not refused, and for transmitting each accepted electronic check; anda transaction executing computer for receiving the electronic check transmitted from the payee's check processing computer, for recording a check identifier of each electronic check accepted by the transaction executing computer during a second prescribed period of time prior to the current time, for refusing an acceptance of a transmitted electronic check when the issue time of the transmitted electronic check is older than the second prescribed period of time prior to the current time or if the check identifier of the transmitted electronic check is identical to any recorded check identifier of an already accepted electronic check, for accepting a received electronic check when the acceptance is not refused, and for transferring a specified amount from a specified payer's account to a specified payee's account according to each accepted electronic check.