Alternative payment devices using electronic check processing as a payment mechanism
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United States of America Patent
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Nov 7, 2006
Grant Date -
Oct 2, 2003
app pub date -
Jun 26, 2002
filing date -
Mar 26, 2002
priority date (Note) -
Expired
status (Latency Note)
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Abstract
The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant system associates presentation of the payment device with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor capable of settling electronic debit transactions.
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