Method and system for effecting payment by checks through...

G - Physics – 07 – F

Patent

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G07F 19/00 (2006.01)

Patent

CA 2533883

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.

Selon un mode de réalisation de l'invention, une méthode informatisée permet d'effectuer un paiement par chèque. Cette méthode consiste à recevoir électroniquement des informations de paiement pour tirer un chèque sur un compte-chèques d'un titulaire de compte, à extraire, à partir d'un emplacement de stockage, un modèle de documents de remplacement d'image associé au compte-chèques, en réponse à la réception des informations de paiement, et à générer un document de remplacement d'image représentatif du chèque, par l'insertion des informations de paiement dans les champs correspondants du modèle de documents de remplacement d'image. Les informations de paiement comprennent une date, un bénéficiaire, un montant en dollars, un montant légal et une signature.

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