Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2006-09-05
2006-09-05
Trammell, James P. (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S001100, C705S040000, C705S075000, C705S053000, C380S029000, C380S029000
Reexamination Certificate
active
07103579
ABSTRACT:
A method apparatus and article of manufacturing for using a computer to electronically clear and cash a check submitted to an on-line merchant from an on-line consumer by electronic means is provided.First, an input of check information submitted by a consumer by electronic means is accepted. Next the accuracy of the check information is verified and then is presented for clearing through the Federal Reserve's Automated Clearing House. Finally, the consumer's checking account from which the check was drawn is debited by the amount indicated in the check information and the merchant's account is credited by the amount indicated in the check information.
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Brown Dennis G.
Brown Lawrence M.
Burk Roger A.
Gouffray George A.
Griffin David C.
Brooks & Kushman P.C.
Electronic Clearinghouse, Inc.
National Bank Drafting Systems, Inc.
Trammell James P.
Winter John M.
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