Method and system for effecting payment by checks through the use of image replacement documents
First Claim
Patent Images
1. A computerized method for effecting payment by a check, comprising:
- electronically receiving payment information for a check for a purchase transaction, the check drawing on a checking account of a particular account holder, the payment information comprising a date, a payee, a dollar amount, a legal amount, and a signature;
in response to receiving the payment information;
determining the checking account of the particular account holder based on the payment information from the purchase transaction; and
retrieving, from a storage location storing a plurality of pre-stored image replacement document templates for a plurality of account holders, an image replacement document template associated with the checking account of the particular account holder used for the purchase transaction, the plurality of account holders comprising the particular account holder; and
generating, using one or more computers, an image replacement document representative of the check by inserting the payment information into respective fields of the image replacement document template.
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Abstract
According to one embodiment of the present invention, a computerized method for effecting payment by a check includes electronically receiving payment information for a check drawing on a checking account of an account holder, retrieving from a storage location an image replacement document template associated with the checking account in response to receiving the payment information, and generating an image replacement document representative of the check by inserting the payment information into respective fields of the image replacement document template. The payment information includes a date, a payee, a dollar amount, a legal amount, and a signature.
13 Citations
16 Claims
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1. A computerized method for effecting payment by a check, comprising:
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electronically receiving payment information for a check for a purchase transaction, the check drawing on a checking account of a particular account holder, the payment information comprising a date, a payee, a dollar amount, a legal amount, and a signature; in response to receiving the payment information; determining the checking account of the particular account holder based on the payment information from the purchase transaction; and retrieving, from a storage location storing a plurality of pre-stored image replacement document templates for a plurality of account holders, an image replacement document template associated with the checking account of the particular account holder used for the purchase transaction, the plurality of account holders comprising the particular account holder; and generating, using one or more computers, an image replacement document representative of the check by inserting the payment information into respective fields of the image replacement document template. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. Logic encoded in non-transitory computer-readable storage media for effecting payment by a check, the logic operable to perform the following steps:
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receive payment information for a check for a purchase transaction, the check drawing on a checking account of a particular account holder, the payment information comprising a date, a payee, a dollar amount, a legal amount, and a signature; in response to receiving the payment information; determine the checking account of the particular account holder based on the payment information from the purchase transaction; and retrieve, from a storage location storing a plurality of pre-stored image replacement document templates for a plurality of account holders, an image replacement document template associated with the checking account of the particular account holder used for the purchase transaction, the plurality of account holders comprising the particular account holder; and generate an image replacement document representative of the check by inserting the payment information into respective fields of the image replacement document template. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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Specification