Electronic check
First Claim
Patent Images
1. A method for securely sending a check comprising:
- preparation by a payor using software on a machine readable medium of an electronic check which is an encrypted electronically generated digital image of a negotiable paper check when converted to a paper check;
transmission of said electronic check from said payor to a payee;
receipt and decryption of said electronic check by payee; and
conversion of said electronic check to a negotiable paper check by the payee;
said digital image including a bar code containing a digital signature and information selected from the group consisting of payor'"'"'s details, bank information, check amount and combinations thereof; and
said digital image including a visible background that is visible when converted to said negotiable paper check and that repeats unencrypted information from said electronic check, wherein said unencrypted information is selected from the group consisting of payor details, payee details, bank information, check details, payor name, a payor account number, a payee name, a check dollar amount, a check date, a check number, a bank ach routing number and combinations thereof.
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Accused Products
Abstract
An electronic check that is created by a secure electronic transmission which can be printed as a paper check by the payee. The electronic check is created by a software program that makes a digital image of the check, securely encrypts the digital image and transmits the digital image to the payee. The payee then uses special software to decrypt the transmitted check image, which is then capable of being printed as a paper check by the payee. The payee can deposit the paper check to the bank. Optionally, the payee can electronically transmit the check image to the payee'"'"'s bank.
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Citations
26 Claims
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1. A method for securely sending a check comprising:
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preparation by a payor using software on a machine readable medium of an electronic check which is an encrypted electronically generated digital image of a negotiable paper check when converted to a paper check; transmission of said electronic check from said payor to a payee; receipt and decryption of said electronic check by payee; and conversion of said electronic check to a negotiable paper check by the payee; said digital image including a bar code containing a digital signature and information selected from the group consisting of payor'"'"'s details, bank information, check amount and combinations thereof; and said digital image including a visible background that is visible when converted to said negotiable paper check and that repeats unencrypted information from said electronic check, wherein said unencrypted information is selected from the group consisting of payor details, payee details, bank information, check details, payor name, a payor account number, a payee name, a check dollar amount, a check date, a check number, a bank ach routing number and combinations thereof. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 20)
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9. A method for sending a payment using a check comprising the steps of:
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preparation by a payor using a software program on a machine readable medium of an electronically generated digital image of a negotiable paper check when produced as an image of a paper check including a bar code containing a digital signature and information selected from the group consisting of payor'"'"'s details, bank information, check amount and combinations thereof; encryption of said digital image as an electronic check; transmission of said electronic check from said payor to a payee; and decryption of said electronic check by the payee to produce said image of said negotiable paper check; said digital image including a visible background that is visible when converted to said negotiable paper check and that repeats unencrypted information from said electronic check, wherein said unencrypted information is selected from the group consisting of payor details, payee details, bank information, check details, payor name, a payor account number, a payee name, a check dollar amount, a check date, a check number, a bank ach routing number and combinations thereof. - View Dependent Claims (10, 11, 12, 13, 14, 15, 17)
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16. A system for sending a payment comprising:
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means for a payor to prepare an electronic check by inputting a payment amount, payee name and payee address into a payor software program on a machine readable medium, wherein said software program generates an electronically generated digital image of a negotiable paper check when printed as said electronic check, including a bar code containing a digital signature and information selected from the group consisting of payor'"'"'s details, bank information, check amount, and combinations thereof; means for encryption of said electronic check utilizing a payee'"'"'s pubic key; means for transmission of said electronic check by said payor to said payee; means for decrypting said electronic check by said payee using said payee'"'"'s private key; and means for printing by said payee of a negotiable paper check from said electronic check;
said program generating in the digital image a visible background that is visible when printed and that repeats unencrypted information from said electronic check, wherein said unencrypted information is selected from the group consisting of payor details, payee details, bank information, check details, a payor name, a payor account number, a payee name, a check dollar amount, a check date, a check number, a bank ach routing number and combinations thereof. - View Dependent Claims (18, 19)
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21. A method for sending a payment using a check comprising the steps of:
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preparation by a payor using a software program on a machine readable medium of an electronically generated digital image of a negotiable paper check when produced as an image of a paper check including a bar code containing a digital signature and information selected from the group consisting of payor'"'"'s details, bank information, check amount and combinations thereof; encryption of said digital image as said electronic check; transmission of said electronic check via one of e-mail and a secure web-based application to the payee for production of a paper check; said digital image including in the electronic check a visible background that repeats unencrypted information from said electronic check, wherein said unencrypted information is selected from the group consisting of payor'"'"'s details, payee'"'"'s details, bank information, check details, payor'"'"'s name, a payor'"'"'s account number, a payee'"'"'s name, a check dollar amount, a check date, a check number, a bank ach routing number and combinations thereof. - View Dependent Claims (22)
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23. A device for sending a payment comprising:
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means for a payor to prepare an electronic check by inputting a payment amount, and payee'"'"'s name into a payor software program on a machine readable medium wherein said software program generates a digital image of a negotiable paper check when produced as an image of a paper check as said electronic check including a bar code containing a digital signature and information selected from the group consisting of payor'"'"'s details bank information, check amount and combinations thereof; means for encryption of said electronic check; and means for transmission of said electronic check by said payor to a payee via one of e-mail and a secure web-based application for production of a paper check; said program generating in the digital image a visible background that is visible when printed and that repeats unencrypted information from said electronic check, wherein said unencrypted information is selected from the group consisting of payor details, payee details, bank information, check details, a payor name, a payor account number, a payee name, a check dollar amount, a check date, a check number, a bank ach routing number and combinations thereof. - View Dependent Claims (24)
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25. A method for sending a payment using a check comprising the steps of:
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preparation by a payor using a software program on a machine readable medium of an electronically generated digital image of a negotiable paper check when converted as an image of a paper check; encryption of said digital image as said electronic check; and transmission of said electronic check to said payee via one of e-mail and a secure web-based application for conversion to a paper check; said program providing a background in the digital image that is visible when converted to said image of said negotiable paper check and that repeats unencrypted information selected from the group consisting of payor'"'"'s details, payee'"'"'s details, bank information, check details, payor'"'"'s name, a payor'"'"'s account number, a payee'"'"'s name, a check dollar amount, a check date, a check number, a bank ach routing number and combinations thereof.
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26. A device for sending a payment comprising:
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input means for a payor to prepare an electronic check by inputting a payment amount and payee'"'"'s name; means including a payor software program on a machine readable medium for generating a digital image of a negotiable paper check as said electronic check with a background that is visible when converted to an image of said negotiable paper check and that repeats unencrypted information selected from the group consisting of payor details, payee details, bank information, check details, payor name, a payor account number, a payee name, a check dollar amount, a check date, a check number, a bank ach routing number and combinations thereof; means for encryption of said electronic check; and means for transmission of said electronic check by said payor to a payee via one of e-mail and a secure web-based application for conversion to a paper check.
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Specification