Financial payment systems and methods using paperless Check 21 items
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United States of America Patent
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May 26, 2009
Grant Date -
Apr 10, 2008
app pub date -
Oct 10, 2007
filing date -
Oct 10, 2006
priority date (Note) -
In Force
status (Latency Note)
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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.
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