Methods of constructing a paper check
First Claim
Patent Images
1. A method of constructing a paper check, comprising:
- generating, performed by a computer, a transaction number for a new transaction in which a payor is expected to pay a payee by paper check;
receiving, performed by a computer, a set of data that has been entered by a human into data input fields and associating, performed by, a computer, the set of data with the transaction number, wherein the data set comprises;
a Name of the Payor;
a Name of the Payee;
an Amount to be paid by paper check by the Payor to the Payee;
a number proffered by the payor as being a Routing Number of a bank account of the Payor;
at least one selected from the group consisting of a Telephone Number of the Payor and an email of the Payor;
processing and formatting, performed by a computer, the data set into at least one webpage specific to the transaction number, wherein the webpage comprises an image of a front of a check payable to the Payee for the Amount and in which the Routing Number displays at a bottom of the check;
transmitting, performed by a computer, an electronic communication to a payor-associated electronic device having an IP address or a payor-associated computer having an IP address, wherein the electronic communication comprises a link to a website, wherein when the link is clicked-on, the at least one webpage specific to the transaction number is displayed on the payor-associated electronic device or the payor-associated computer;
when the webpage is accessed via a smart phone, capturing a GPS location of the smart phone;
after capturing the GPS location of the smart phone, printing, in MICR toner ink, the captured GPS location onto the paper check;
after the step of printing, in MICR toner ink, the captured GPS location onto the paper check, scanning the paper check;
receiving, performed by a computer, a digital signature from the payor-associated electronic device or the payor-associated computer;
after receiving the digital signature, constructing an image of a payor-signed check signed by the Payor payable to the Payee for the Amount and in which the Routing Number displays at the bottom of the check.
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Abstract
For a consumer having a bank checking account but who is without a preprinted paper check, a paper check is electronically constructed for the consumer on a transaction basis.
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Citations
14 Claims
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1. A method of constructing a paper check, comprising:
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generating, performed by a computer, a transaction number for a new transaction in which a payor is expected to pay a payee by paper check; receiving, performed by a computer, a set of data that has been entered by a human into data input fields and associating, performed by, a computer, the set of data with the transaction number, wherein the data set comprises; a Name of the Payor; a Name of the Payee; an Amount to be paid by paper check by the Payor to the Payee; a number proffered by the payor as being a Routing Number of a bank account of the Payor; at least one selected from the group consisting of a Telephone Number of the Payor and an email of the Payor; processing and formatting, performed by a computer, the data set into at least one webpage specific to the transaction number, wherein the webpage comprises an image of a front of a check payable to the Payee for the Amount and in which the Routing Number displays at a bottom of the check; transmitting, performed by a computer, an electronic communication to a payor-associated electronic device having an IP address or a payor-associated computer having an IP address, wherein the electronic communication comprises a link to a website, wherein when the link is clicked-on, the at least one webpage specific to the transaction number is displayed on the payor-associated electronic device or the payor-associated computer; when the webpage is accessed via a smart phone, capturing a GPS location of the smart phone; after capturing the GPS location of the smart phone, printing, in MICR toner ink, the captured GPS location onto the paper check; after the step of printing, in MICR toner ink, the captured GPS location onto the paper check, scanning the paper check; receiving, performed by a computer, a digital signature from the payor-associated electronic device or the payor-associated computer; after receiving the digital signature, constructing an image of a payor-signed check signed by the Payor payable to the Payee for the Amount and in which the Routing Number displays at the bottom of the check. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of constructing a consumer check, comprising:
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prompting a user to take a certain photograph; prompting the user to email the photograph to a system comprising at least one computer, wherein the photograph is sent via smart phone; upon receiving the photograph by the system, for the photograph sent via smart phone, capturing, performed by the system, a GPS location of the smart phone; and processing the received photograph, along with other received data, into a signed consumer check, wherein the processing is performed by the system; after capturing the GPS location of the smart phone, printing, in MICR toner ink, the captured GPS location onto the paper check; after the step of printing, in MICR toner ink, the captured GPS location onto the paper check, scanning the paper check. - View Dependent Claims (10, 11)
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12. A method of constructing a paper check, comprising:
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receiving, by a system comprising at least one computer, a data set from a payee or payor contemplating a paper check to be constructed in which the payor pays the payee; constructing a webpage specific to the to-be-constructed paper check; prompting the payor to view the webpage specific to the to-be-constructed paper check; and upon the webpage specific to the to-be-constructed paper check being accessed, capturing an IP address from which the webpage specific to the to-be-constructed paper check was accessed; when the webpage is accessed via a smart phone, capturing a GPS location of the smart phone; after capturing the GPS location of the smart phone, printing, in MICR toner ink, the captured GPS location onto the paper check; after the step of printing, in MICR toner ink, the captured GPS location onto the paper check, scanning the paper check. - View Dependent Claims (13, 14)
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Specification