Patents Assigned to Global Standard Financial, Inc.
  • Patent number: 8626661
    Abstract: The present disclosure provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. The present invention enables both payors and payees to participate with the EPS as well as the EPS may provide electronic lock box services to payees. The DOC may be used in an electronic lockbox application where in addition to the payment information; the DOC further includes remittance data that may be used to update accounting systems or the like.
    Type: Grant
    Filed: March 10, 2010
    Date of Patent: January 7, 2014
    Assignee: Global Standard Financial, Inc.
    Inventor: Clark S. Gilder
  • Patent number: 8600898
    Abstract: The present invention provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The EPS is operable to clear the DOC through either paper or electronic Check 21 mechanisms.
    Type: Grant
    Filed: October 9, 2007
    Date of Patent: December 3, 2013
    Assignee: Global Standard Financial, Inc.
    Inventors: Clark S. Gilder, Michael G. Lalonde
  • Patent number: 7702588
    Abstract: The present invention provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. The present invention further provides a true check card operable to provide DOCs at point-of-sale terminals.
    Type: Grant
    Filed: October 8, 2007
    Date of Patent: April 20, 2010
    Assignee: Global Standard Financial, Inc.
    Inventors: Clark S. Gilder, Michael G. Lalonde
  • Patent number: 7620603
    Abstract: The disclosure describes a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods.
    Type: Grant
    Filed: January 24, 2008
    Date of Patent: November 17, 2009
    Assignee: Global Standard Financial, Inc.
    Inventors: Clark S. Gilder, Michael G. Lalonde
  • Patent number: 7539646
    Abstract: Exemplary embodiments provide a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata may be stored in a database or the like for further processing instead of printing a paper check. An output of the metadata can be used to clear the DOC through either paper or electronic clearing mechanisms under Check 21.
    Type: Grant
    Filed: October 10, 2007
    Date of Patent: May 26, 2009
    Assignee: Global Standard Financial, Inc.
    Inventors: Clark S. Gilder, Michael G. Lalonde