公开(公告)号：US07124113B1

公开(公告)日：2006-10-17

申请号：US09717576

申请日：2000-11-21

申请人： John F. Fairclough ,  Tadeusz J. Dragowski ,  Oscar Inostroza ,  Karen R. Hyman ,  Kamyar Saberi ,  Murray Galarraga ,  Richard Calkins ,  Suavek Kownacki ,  Esteban Gutierrez ,  Robert Blake

发明人： John F. Fairclough ,  Tadeusz J. Dragowski ,  Oscar Inostroza ,  Karen R. Hyman ,  Kamyar Saberi ,  Murray Galarraga ,  Richard Calkins ,  Suavek Kownacki ,  Esteban Gutierrez ,  Robert Blake

IPC分类号： G06T17/60

CPC分类号： G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q30/018 ,  G06Q40/00 ,  G07F17/42

摘要： The present invention relates generally to a system and method for verifying, settling, guaranteeing and printing checks at a remote location, preferably an electronic retailer's facilities, via a network, preferably the Internet. The preferred method for verifying, settling, guaranteeing and printing checks over a network at a remote location comprises the following steps. A client computer is connected to a merchant server at a location remote from the client computer. An order is transmitted from the client computer to the merchant server. Payment by check is selected. The client computer is connected to a check server. Customer data is input to the client computer. The customer data is transmitted from the client computer to the check server. The customer data is transmitted from the check server to a check verification server. The check verification server transmits an approval, preferably comprising the customer data and a guarantee of payment to a merchant, to the client computer and the check server. The merchant server confirms the client computer's order by electronic mail message to both the client computer and the check server. The approval from the check verification server is stored in a merchant file in the check server. The merchant file is downloaded from the check server to a check printing station at the location remote from the client computer. A secure printer, preferably a magnetic ink character recognition-enabled printer, connected to the check printing station prints a check. The merchant can then cash the check as a standard bank draft.

摘要翻译： 本发明一般涉及经由网络，优选因特网在远程位置，优选电子零售商的设施来验证，建立，保证和打印支票的系统和方法。 用于通过远程位置的网络验证，确定，保证和打印检查的优选方法包括以下步骤。 客户端计算机在远离客户端计算机的位置连接到商家服务器。 订单从客户端计算机发送到商家服务器。 选中支票付款。 客户端计算机连接到检查服务器。 客户数据输入到客户端计算机。 客户数据从客户端计算机发送到支票服务器。 客户数据从检查服务器发送到检查验证服务器。 检查验证服务器向客户端计算机和检查服务器发送优选地包括客户数据的批准和对商家的支付保证。 商家服务器通过电子邮件消息将客户端计算机的订单确认到客户端计算机和支票服务器。 来自检查验证服务器的批准被存储在检查服务器中的商家文件中。 将商家文件从检查服务器下载到远离客户端计算机的位置的检查打印站。 连接到支票打印机的安全打印机，优选地是支持墨水字符识别的打印机，打印支票。 然后，商家可以将支票兑换为标准银行汇票。