公开(公告)号：US20070175977A1

公开(公告)日：2007-08-02

申请号：US11409095

申请日：2006-04-24

申请人： Thomas Bauer ,  Vernon Marshall ,  Greg Sterner

发明人： Thomas Bauer ,  Vernon Marshall ,  Greg Sterner

IPC分类号： G07F19/00 ,  G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10

摘要： An image-based check processing software has the ability to create an electronic check form to be displayed, printed and/or exported to a file. Using various text fonts, such as the Magnetic Ink Character Recognition (MICR) font, a new electronic form has been created from text data that has all the characteristics of a preauthorized draft. As computer and phone payments are processed by a financial institution, the virtual draft will be created if the routing/transit numbers of the paying institution accept images of checks as presentment through, for example, an image exchange program or the eventual printing of a substitute check. The transactions will then be routed to the financial institution who will import the necessary data to create the virtual check. The image will then be presented for payment.

摘要翻译： 基于图像的检查处理软件能够创建要显示，打印和/或导出到文件的电子检查表。 使用各种文字字体，如磁墨字符识别（MICR）字体，已经从具有预授权草案的所有特征的文本数据创建了一个新的电子表格。 由于计算机和电话支付由金融机构处理，如果支付机构的路由/转接号码通过例如图像交换程序接受支票的图像作为呈现，或最终打印替代品，将创建虚拟草稿 检查。 然后，这些交易将被转到将导入必要数据以创建虚拟支票的金融机构。 然后将显示图像以进行付款。