Enhanced Check 21 financial payment systems and methods
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United States of America Patent
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Apr 20, 2010
Issued Date -
N/A
app pub date -
Oct 8, 2007
filing date -
Oct 10, 2006
priority date (Note) -
In Force
status (Latency Note)
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Abstract
The present invention provides 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 is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods. The present invention further provides a true check card operable to provide DOCs at point-of-sale terminals.
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