CN101884189A - Electronic check financial payment systems and method - Google Patents

Abstract

The check DOC that the disclosure provides numeral to originate by electronic fare payment system EPS, EPS catches and the requestee metadata instructions relevant to payee's expectation payment.This metadata store replaces printing paper checks further to handle in database etc.DOC can clear or via clearing by the papery substitute checks of Check 21 liquidation methods in the electronics mode.The present invention also provides a kind of true cheque card that is used for providing at the point of sales terminal place DOC.

Description

Electronic check financial payment systems and method

The cross reference of related application

This non-temporary patent application requires to submit on October 10th, 2006 is entitled as " FINANCIAL PAYMENT SYSTEMS AND METHODS ", sequence number is No.60/850, the priority of 536 U.S. Provisional Patent Application, its full content is incorporated into herein by reference.

Technical field

The present invention relates in general to financial payment systems and method, more specifically, the invention provides the system and method that when check (promptly the not having the original paper check) system and method that is used the numeral source by electronic fare payment system (EPS) is handled eCheck project (for example Check 21), the eCheck project is carried out enhancement process.

Background technology

According to Uniform Commercial Code (U.C.C.) the 3rd and the 4th, check is the United States statutory negotiable bill.Traditionally, check is to be filled in the pre-printed form on cheque paper and the paper-bill created by the requestee.On cheque paper, the requestee by hand-written, typewrite or print required payment information and import then, use mail, express delivery overnight, manually send to etc. this paper checks is sent, but this paper checks sends the payee to physically clearing up the debt when receiving the most at last, and the payee deposits paper checks in it to charge to its oneself account.Deposit bank bundles all paper checks, sends it to " project processing " department of bank, handles (promptly sort out, divide into groups and amount to) by high speed machines.The purpose of this processing is to produce to lend and charge to suitable checking account and the required necessity book keeping operation clauses and subclauses of clearance payment.If the check that deposits in is derived from outside this bank, then paper checks must be transmitted, submission source (or payment) bank pays.

Traditionally, paper checks is transferred to one or more clearing houses from first deposit bank (BOFD)---or with nearer another the regional clearing house (the normally Federal Reserve Bank the geographic area of the bank of issue) in clearing bank or directly to the clearing bank.The responsibility of clearing bank is to confirm to take ticket, verify the account existence and have sufficient capital, and BOFD is given in payment then, makes it can charge to the payee's of deposit account.

This dependence (at fail safe, authenticity and processing/payment) that paper is transferred has caused is depositing the date and the date of payment and is finally charging to many days processing cycles between date of account payee.In U.S.'s financial sector, the handover of this paper checks is a weakness, because check is the method for optimizing of paying between individual, commerce and government.In addition, the handover of these paper checks frequently utilizes air net fast paper is transferred to another part from the part of country.Therefore, when 911 attacks and air traffic control, whole check clearing and payment system are closed.This causes B/P not send to, and people do not have fund to pay necessity.The consequence of this transport delay has caused and has required government to eliminate the dependent huge political pressure that paper checks is cleared.

Before Check 21 bills, the submission check need be presented the original paper check with the bank that pays, unless the clearing bank has been agreed to accept certain other forms of alternative submission from deposit bank, exchanges as electronic image.The § 3-501 (b) (2) of Uniform Commercial Code (U.C.C.) and § 4-110 express authorization bank and other people agree alternative submission mode, present as electronic image.Yet in order to intercept check earlier and participate in electronics submission widely in to withhold process, associate banker of collection will need the electronics submission agreement with each bank, and checks are presented to withhold to these banks by associate banker of collection.Because bank quantity is huge and some paying banks are unwilling to receive the electronics submission, this restriction proves unpractical.Because be difficult to the required agreement of electron gain submission check under all situations, before Check 21 bills, bank can not utilize the high efficiency of electron process check and potential cost savings fully.

21 century check clearing bill (Check 21) came into force on October 28th, 2004.Check 21 is designed to encourage the innovation of payment system and by reducing the legal impediment of check intercepting is raised the efficiency (promptly by paper checks is converted to digital picture and destroy the original paper project and eliminate paper checks).This legist crosses a kind of new negotiable bill that is called substitute checks of establishment and promotes the check intercepting, substitute checks allows bank's intercepting original paper check, exchange via the cheque image file comes the electron process check information, and sends substitute checks to will continue to receive paper checks bank.Substitute checks is to create from the cheque image of X.9.37 " ANSI " draft standard or X9.180 ultimate criterion description, and both full contents are all incorporated into herein by reference.This image file is the digital bitmap that carries out TIF (TIFF) form that electronic scanning and image conversion create by the front and back to the original paper check.Create substitute checks (be also referred to as image and replace document (IRD)) by on 8.5 * 11 inches paper, printing front and back image and some additional informations.According to Check 21 laws, this IRD is regarded as the legal equivalents of original check, and comprises all information that comprise on the original check.When printing, the essential X9.140 standard of observing of image and data, its full content is incorporated into herein by reference.Law does not require that bank accepts the check of electronic form, does not require that bank uses the new authoritative institution of this bill mandate to create substitute checks yet.

With reference to Fig. 1, substitute checks (or IRD) the 10th, the paper-copy of original check comprises the image of the front and back of original check, and is suitable for handling automatically in the mode identical with original check.For settlement check is paid, deposit bank transfers accounts, presents or return substitute checks 10 (or another papery or the electronic representation of substitute checks, as the image cash letter file) and guarantee: (1) substitute checks 10 comprise original check front and back exact image and state that it is the legend of the legal equivalents of original check; And (2) do not require the check that any deposit bank, drawee, check drawer or endorser's payment had been paid.For all purposes and everyone, bank has been legal equivalents of original check at its substitute checks 10 of making these guarantees.

Although Check 21 has promoted the interbank exchange of eCheck image, but because the current various security vulnerabilities or the legal loophole (overcoming before need can realizing in whole payment industry in the more extensive employing of Check 21 image conversion notions) that can't solve or become extreme business method obstacle of it seems, it is not fully used in whole payment system as yet or realizes.At first, for total Check 21 industry problems of implementation, bank can clear actual paper checks and Check 21 images usually, has caused dual debit situation.Note, although because bank has improved its inner Check 21 business methods and system, the actual occurrence number of these dual debits reduces, but at first realizing Check 21 pattern diagram pictures clearances process to advance or to return for any bank of clearance circulation, these identical known debit problems are generally inevitable.Secondly, check security expert Frank Abignale recognizes, because after image conversion, check has loosened development in 30 to 40 years in the past and the whole series of coming are enjoyed the paper security feature, and therefore various safety problems are extremely important for bank.When expect the client to bank submission image so that paying by check is handled as UCC, these safety of image leaks mainly manifest in banking.For example, consider that the client shows the situation of the thing of Check 21 images that seem the IRD form.Industry is current to be thought, anyone of digital figure edit capability with appropriateness can create false check by Demand Deposit Accounts (DDA) data that use is stolen, thereby uses PhotoShop or other graphics software programs to create the image of effective similar Check 21.In addition, because papery IRD lacks fail safe, bank is unwilling to accept any IRD to deposit, and this has slowed down it as returning the received process of project.

Finally, bank does not believe that terminal use or client are allowed to produce its oneself cheque image therefore according to existing Check 21 bills, from the industry viewpoint, before Check 21 projects become payments mechanism feasible, that be derived from the client, must overcome the law and regulations obstacle.Before the notion of Check 21 can be applied to everyone, must overcome these problems---allow more users to obtain the benefit that bank has obtained.Image origin and the benefit of handling comprise: transmit faster, because efficient processing payment is more low-cost, and the risk that the unknown requestee's project from out of town bank of clearance time that reduces and reduction exposes is final, if correct the realization, the notion that Check 21 bills provide will make everyone (from client to the businessman to government to charity organization) to create and effectively to handle secured electronic charging to be similar to the mode of existing low-cost electric paying method (eCheck automation clearing house (ACH) project that covers down as international clearing house association (NACHA) rule).

With reference to Fig. 2, traditionally, according to Check 21, substitute checks or IRD only utilize between bank (as clearing bank, first deposit bank etc.).Flow process Figure 20 has illustrated according to the example embodiment of the Check 21 of traditional operation.At first, the requestee draws paper checks (step 22) from its Demand Deposit Accounts (DDA) bank.Next, physically paper checks is transmitted (as mailing, manually send to etc.) and give payee's (step 24).The payee manually deposits paper checks in its bank account (step 26).The bank that the payee deposits check in is called as first deposit bank (BOFD).In case in BOFD, paper checks is stored and is converted to substitute checks according to the regulation under the Check 21.In case check is deposited in payee's account, BOFD can be to payee's cash payment, charge to account payee or the like (step 30).In addition, BOFD is by traditional clearing house or pay clearing house (EPCH) etc. by mails, uses substitute checks to initiate clearance process (step 32).The clearance process is transferred to the clearing bank with substitute checks, promptly has the bank of requestee DDA account, and substitute checks is confirmed in the clearing bank, and the checking account exists and has sufficient funds, and complete payment is given BOFD (step 34).Finally, the clearing bank can use the substitute checks image with requestee's monthly statement to replace paper checks (step 36).

Notice that Check 21 bills do not require that any bank uses the eCheck processing, receives the electronics submission or creates substitute checks based on cheque image.Yet, after the effective date of Check 21 bills, need any bank of original check must accept to satisfy the legal equivalents substitute checks of this requirement.Therefore, with regard to most of, do not require that bank owing to Check 21 bills change its check treatment facility or way, does not need bank during check is withheld process original check and substitute checks to be sorted out respectively.Use the substitute checks form, be chosen in that its check is withheld and the clearance process in use the bank of image processing to be allowed to do like this, keep backwards compatibility simultaneously to bank that can not the electron process image file.For example, in the past, the deposit bank of California of check that is received in the certificate that bank opens in New York sends the original paper check back to New York and pays.Now, according to Check 21, the bank in New York not with the situation of the concrete contractual agreement formerly of the bank of California or agreement under, the substitute checks image file can be sent to the Bank of New York.Now, if desired, the bank in New York (or its agency) can receive image file, and it is printed to IRN or alternate formats, and uses its conventional checks clearance process to continue to handle the paper checks of creating again.In a word, the bank that Check 21 allows to wish image conversion check and swap image file does like this, still allows the compatible paper checks of some banks' receptions based on Check 21 image files simultaneously.

Pay by mails and image etc. comprises the initial data of formation project itself, still, has the data of another kind of form to be called " metadata ".Metadata is the data about data.The metadata project can be described individual data or content item, or comprises the data acquisition system of a plurality of content items.Metadata be used to promote data understanding, use and manage.The required metadata of effective data management changes according to data type and environment for use.The notion that " produces bitmap from metadata " is external for bank, but is common in the computer graphical industry.Therefore, the technical staff of payment technical field does not know generally how computer graphical bitmap " rasterisation " process works.Yet, known to the technical staff of area of computer graphics, easier also more conveniently usually dynamically produce bitmap images from metadata.In addition, do not get in touch between the bitmap generation of metadata driven and payment system, check or law contract, the UCC etc.In addition, the present invention considers, can accept bank in order to make eCheck image payment system, needs added security to protect bank to avoid accepting Vitua limage (for example image that uses graphic package to create by the hacker).Because the scale and the degree of the investment that bank has carried out on paper checks image conversion equipment, those skilled in the art can see that bank does not have motivation to pay design and builds new software systems to enable with no paper Check 21 projects that the terminal use creates.In addition, bank place does not have or has only seldom Public Key Infrastructure (PKI) system (except being used for the secure socket layer (ssl) key of web portal security) so that the terminal use carries out digital signature to Check 21 images

Therefore, the traditional mechanism in bank and the payment industry comprises the image conversion of paper checks.Check 21 laws only allow bank's intercepting paper checks to create Check 21 projects.The feature of long-range (electronics) deposit (RD) is currently available for the businessman that receives paper checks.System based on RD allows businessman to scan paper checks and remotely it is deposited in its bank as the payee; But traditionally, these projects are cleared as POP or ARC ACH project rather than as UCC check project by automation clearing house (ACH) agreement.Therefore, do not exist traditional mechanism to allow eCheck based on UCC to flow through whole paying by check system and do not reduce to papery or be converted to another type of payment at certain point.The ACH of prior art " eCheck " can not address these problems, because they all disclose the paper checks of one or another kind of form in the processing procedure.In addition, these ACH " electronics " check does not meet ANSI X9 standard.

Summary of the invention

In each example embodiment, the invention provides the enhancement process that the check (DOC) that uses the numeral handled by electronic fare payment system (EPS) to originate carries out Check 21 projects, this EPS catches and the requestee metadata instructions relevant to payee's expectation payment.This metadata store is further handled to replace printing paper checks in database etc.

In example embodiment, a kind of with no paper ticket method, comprise: (a) receive guarantee that is applicable to first deposit bank and clearing bank and the acceptance of compensating set from the requestee, wherein, described guarantee and reparations set make check create, to exchange and to clear in the electronics mode between requestee and payee and by first deposit bank and clearing bank, and, described guarantee and reparations set make the requestee can be in the electronics mode to payee's remittance and check that the numeral source is provided as check; (b) payment instruction of reception from the requestee to the payee, wherein, described payment instruction is obeyed described guarantee and reparations set; (c) catch the metadata that is associated with the check in numeral source, wherein, the check in numeral source is not had the legal check created under the situation of original paper check when the payee accepts described guarantee and compensates by the requestee, and described metadata comprises described payment instruction, global unique identification symbol, trace information and security information; And (d) carry out following one or more operations: immediately with the advice of drawing payee in numeral source; And the advice of drawing payee who after a while numeral is originated; Wherein, can be from the output of metadata with the eCheck system for settling account interoperability that is associated with papery and electronics liquidation method; And step (a) to (d) realizes on computer server.Described with no paper ticket method can also comprise: (e) payee is authenticated; (f) from the acceptance of payee's reception to described guarantee and reparations set; And (g) one of following operation of execution: described metadata is transmitted to first deposit bank as electronic cash transportation list file electronics; And print substitute checks according to described metadata; Wherein step (e) to (g) realizes on computer server.Described security information is used to prevent payment instruction and substitute checks are distorted.Described with no paper ticket method can also comprise: (h) check to the numeral source carries out the electronics endorsement; Wherein, step (h) realizes on computer server.Described payment instruction comprise following each: condition, restriction, the affirmation that retrains and have ready conditions comprise the business rules of managing payment clause.Described trace information is used to provide the audit history of digital check of originating.Alternatively, described security information comprises the Personal Identification Number by requestee's definition, so that the payee carries out safe retrieval.

In another example embodiment, a kind of with no paper check system, comprise: (a) data storage, comprise meta data file, wherein, described meta data file is associated with the check in numeral source, and the check in numeral source is not had the legal check created in the electronics mode under the situation of original paper check when the payee accepts to assure and compensates by the requestee, and described meta data file comprises payment instruction, global unique identification symbol, trace information and security information; (b) network interface is connected to data storage; (c) processor is connected to network interface and data storage, and wherein, processor is configured to: (i) receive the acceptance of assuring and reparations is gathered from the requestee; (ii) receive payment instruction from the requestee; (iii) use from requestee's payment instruction and create described meta data file; (iv) produce and accord with to described meta data file distribution global unique identification; (v) the meta data file that will be associated with the check in numeral source is notified the payee; (vi) follow the tracks of the check in numeral source, and use the audit history of the check in numeral source to upgrade described meta data file; And (vii) the check to the numeral source authenticates; Wherein, described guarantee and reparations set make check create, to exchange and to clear in the electronics mode between requestee and payee and by first deposit bank and the clearing bank that are associated, and, described guarantee and reparations set make the requestee can be in the electronics mode to payee's remittance and check that the numeral source is provided as check; And the output of meta data file can be with the papery and the electronics liquidation method interoperability that are associated with the eCheck system for settling account.Described processor also is configured to: (viii) the payee who is associated with described meta data file is authenticated; (ix) from the acceptance of payee's reception to described guarantee and reparations set; And (x) one of following operation of execution: described meta data file is transmitted to first deposit bank as electronic cash transportation list file electronics; And print substitute checks according to described meta data file.Described security information is used to prevent payment instruction and substitute checks are distorted.Alternatively, described processor also is configured to: the check of numeral being originated based on payee's input carries out the electronics endorsement.Described payment instruction comprise following each: condition, restriction, the affirmation that retrains and have ready conditions comprise the business rules of managing payment clause.Described trace information is used to provide the audit history of digital check of originating.Alternatively, described security information comprises the Personal Identification Number by requestee's definition, so that the payee carries out safe retrieval.

In another example embodiment, a kind of true cheque card method comprises: the cheque card that comprises magnetic stripe is provided, and wherein, magnetic stripe comprises requestee's metadata and is used for being read by point of sales terminal; In point of sales terminal, receive cheque card to fulfil the payment obligation; Read the metadata on the cheque card; Use metadata and payment instruction to create the check in numeral source, wherein, described payment instruction derives from described payment obligation and point of sales terminal, the check in numeral source is not had the legal check created in the electronics mode under the situation of original paper check when the payee accepts to assure and compensates by the requestee, and described meta data file comprises payment instruction, global unique identification symbol, trace information and security information; Wherein, described trace information is used to provide the audit history of digital check of originating; And the output of meta data file can be with the papery and the electronics liquidation method interoperability that are associated with existing cheque clearing system.Described true cheque card method can also may further comprise the steps: send metadata in the electronics mode to first deposit bank; And the payment of described payment obligation is fulfiled in reception.Alternatively, described true cheque card method is further comprising the steps of: before authorize selling, and the account that is associated with described metadata by verification system validates.Described cheque card comprises the guarantee that is applicable to first deposit bank and clearing bank and the full set of reparations, the full set of described guarantee and reparations has realized the electronics submission from the requestee to the payee, as the requestee between the payee and by first deposit bank that is associated and the eCheck of clearing bank.Alternatively, described cheque card also comprises one of following: credit card, ATM card and combination thereof.

Description of drawings

Here, with reference to the signal of each accompanying drawing and described the present invention, reference number similar in the accompanying drawing is represented similar methods step and/or system component respectively, in the accompanying drawing:

Fig. 1 is the signal of substitute checks (or IRD);

Fig. 2 is the flow chart of illustrating according to the flow process of the check of Check 21 and substitute checks to traditionally;

Fig. 3 is the flow chart of illustrating to according to the flow process of the check of illustrated embodiments of the invention, substitute checks, true cheque card payment etc.;

Fig. 4 has illustrated the flow chart that produces according to the DOC of illustrated embodiments of the invention;

Fig. 5 is the block diagram according to the EPS system of illustrated embodiments of the invention;

Fig. 6 is the flow chart according to the DOC transfer system of illustrated embodiments of the invention; And

Fig. 7 is the signal according to the DOC image that is produced of illustrated embodiments of the invention;

Fig. 8 has illustrated according to the flow chart of illustrated embodiments of the invention via the DOC generation of true cheque card;

Fig. 9 has illustrated the flow chart that produces according to the illustrated embodiments of the invention DOC that (POS) locates in the point of sale; And

Figure 10 is the figure according to the true cheque card of illustrated embodiments of the invention.

Embodiment

In each example embodiment, the invention provides a kind of mechanism that produces and handle Check 21 projects in numeral source.Can be with the check of these item descriptions for the numeral source of using the electronic fare payment system (EPS) catch requestee's " metadata " and handling, this metadata is and the relevant instruction of expectation payment from the requestee to the payee.This metadata store is in database etc., to replace printing the further processing of paper checks.The type of the data of being caught can comprise: the conventional information of storing on the front of paper checks, instruction (payee name as " whom payment gives ", telephone number or e-mail address), the amount of money of certain value (as the decimal number input of certain currency), pay date issued, will be from the Bank Account Number (conventional checks number of the account and ABA bank routing number) of wherein drawing payment, and condition, restriction or constraint and memorandum field description details, and certain potential set of certain affirmation of having ready conditions potentially (being defined as the business rules (be about to contract and be placed on the check back side, so cashing check is that contract is endorsed) how and when management should pay).

(being that EPS can have multiple input form) be caught or be produced to these payment instructions or " metadata " can with variety of way and method that electronic fare payment system is realized.For example, human user can use various system interfaces to select (comprising internet webpage) to import required metadata to produce the DOC payment.Alternatively, payment is logined and produced to the mobile device (PDA) that can use telephone plant (cell phone, land-line, via IVR call center system etc.) or have an internet browsing ability.In addition, the user can use family or the PC of office software application (as Quicken, Microsoft Money or other book keeping operation software programs of Intuit) to produce metadata.In addition, the present invention has designed does not have human user intervention and option by supporting that via the automated software program DOC produces.This software program can use in the payment data storehouse canned data to produce prearranged DOC payment, directly transmits into banking system with the DOC file that will obtain, and is used for the wage or the business scenario of the payable type of account automatically.

For with no paper Check 21 projects are provided, the present invention has utilized multiple element.At first, utilize the knowledge of Check 21 laws and Check 21 standards (as X9.37,140 and 180, its full content is incorporated into herein by reference) and the framework of understanding, realize with no paper Check 21 projects.In addition, the payment industry knowledge and understanding, comprise project processing, UCC law, EFT (EFT) law and how to fill Check 21, UCC and the ETF law between " gap ".Should be noted that the present invention has utilized the contract relation between payee and the requestee, Check 21 guarantees are extended to the whole system of DOC.These guarantees have realized the electronics submission from payee and requestee, and need the traditional view of paper checks no matter think.The § 3-501 (b) (2) of Uniform Commercial Code (U.C.C.) and § 4-110 express authorization bank and other people agree alternative submission mode, present as electronic image.The present invention utilizes these notions to provide to meet the project that meets Check 21 UCC, safety and that have the DOC form.

In addition, the present invention has utilized multiple knowledge and skills, cross over the industry scope outside the bank, comprise to how to produce bitmap graphics in application as GUI operating system, the font that is used for video card and graphics driver and so on, how work the website and how to catch data and storage and manage the profound understanding that this data conduct inputs to the file of other business processes (being clearing house).In addition, the present invention includes knowledge and understanding: PKI and certificate authority (CA), cryptography, password, SSL, use public-key and digital signature of private key, secure hash etc. to security concept.The present invention has utilized how to solve knowledge and the understanding that existing bank project is handled the inherent defect (comprising the mistake in the test of image inclination and optical character identification (OCR) and image quality measure (IQA)) in the check classification image that machine produced.In addition, present invention includes character code (ASCII is to EBCDIC), Unicode in high-level software design and framework, programming language, the electronic document format, internationalize and comprise the knowledge and experience of the database design of sql like language.

Note, following ANSI X9 standard is applicable to check design and safety: TR-2Understanding and Designing Checks, TG-6 Quality Control of MICRDocuments, TG-8 Check Security Guideline, X9.7 Bank CheckB ackground and Numerical Convenience Amount Field, X9.100-10 PaperSpecifications for Checks (formerly X9.18), X9.100-111 Specificationsfor Check Endorsements (formerly X9.53), X9.100-130 Specifications forUniversal Interbank Batch/Bundle (formerly X9.64), X9.100-151 CheckCorrection Strip Specification (formerly X9.40), X9.100-160-1 Placementand Location of Magnetic Ink Printing (MICR) (formerly X9.13), X9.100-160-2 Placement and Location of Magnetic Ink Printing (MICR) Part 2:EPC Field Use (formerly X9.13 Annex A only), X9.100-161Creating MICR Document Specification Forms (formerly X9.47), X9.100-120 Specifications for Bank Deposit Tickets (formerly X9.33), X9.100-170 Specifications for the Padlock Icon (formerly X9.51), X9.100-20 Print and Test Specifications for Magnetic Ink Printing (formerly X9.27), TR-33-2006 Check Image Quality Assurance Standardsand Processes, wherein the full content of each is incorporated into herein by reference.

Advantageously, the present invention allows requestee and payee by with no paper Check 21 projects of banking system utilization, i.e. DOC, and it is not reduced to paper medium.This allows to use the paying by check system to replace debit card, ACH transfer, credit card etc.The present invention includes the mechanism that makes requestee and payee can utilize substitute checks or electronics meta data file and need not paper checks.Comprise contract framework between requestee and the payee to the Key Implementation factor of with no paper project open check payment system, mandate DOC obeys reparations and the guarantee that is associated with paper checks, the fail safe that relates to the PKI that is used for the secure digital payment, and produce computer bitmap figure according to the metadata that meets all ANSI X9 standards fully, to guarantee the complete compatibility with Check 21 bills.

The invention provides the enhancing mechanism that is used for paying by check, relate to the fail safe of enhancing, optional or the processing of having ready conditions, the tracking that strengthens and processing and " true cheque card " availability (TCC).TCC is defined as a kind of plastics credit card with second special I SO standard magnetic stripe, to pay to the check (DOC) that trade company or businessman send the numeral source by electronic fare payment system (EPS).Trade company point of sale (POS) terminal comprises the standard credit card authorization terminal that can brush the DOC card.In case swipe the card, true cheque card provides the requestee metadata, requestee's metadata is integrated with the receiver information that comprises dealing money and the ID of trade company, and this receiver information makes up at the EPS place, to produce the DOC payment as payee's trade company.The combination of payee's metadata that therefore, the terminal equipment of information encoded and trade company provides on the magnetic stripe of cheque card provides and has sent the required details of DOC at the EPS place.Storing metadata is further handled to replace printing paper checks in database etc.

With reference to Fig. 3, in example embodiment of the present invention, in whole banking system 40, handle DOC in the electronics mode.At first, the payee " draws " the DOC check by terminal that true cheque card brush (step 42) mistake standard P OS is swiped the card from its DDA bank account.DOC creates by EPS, and DOC is the effective UCC draft according to the electronic form of Check 21 X9 standards.Use Client-initiated to instruct and create DOC, to come to pay the amount of money of certain value according to the set of condition, restriction, constraint, affirmation etc. to someone (being the payee).These instructions are stored in the database, for example numeral payment file (DPF).These digital commands are used to create perfect digital check, do not need paper checks to create these instructions, and do not have papery origin or scanning.In addition, DOC can create by the true cheque card (TCC) that in the point of sale (POS) locates " brush " electron production DOC.

Sending DOC to payee is electronics mode (step 44), and the payee is notified.This informing mechanism can be taked to carry out the various forms that message sends from EPS, as email message (for example, have embedding URL (having transaction id), to carry out DOC automatically, to embed the retrieval of file etc.), call, pager message, Fax Messaging, instant message (IM) etc.In case the payee has responded the EPS notification message, the payee uses unique transaction ID (being called global unique identification symbol (GUID)), and this sign is to offer them to be used to identify the DOC that will retrieve which appointment in notification message.GUID is a kind of special identifier symbol that uses in software application, and with unique reference number in the context that is provided at the software application use, for example definition is used for the internal reference of a kind of access point of software application, or is used for creating unique key assignments at database.In the present invention, GUID is enough greatly to avoid the object conflict, i.e. duplicate numbers, and it utilizes algorithm to guarantee that GUID can not be cheated.

The authentication grade (or by payee's setting, as retrieving the condition of paying from EPS according to create name or ID) that EPS can use GUID to search the DOC transaction and select when sending DOC based on the requestee determines how to authenticate the payee.Authentication grade can comprise: do not have (as long as promptly know transaction id or GUID for the requestee with regard to safe enough), at unique PIN number of each DOC (for example, PIN sends (being call) separately by the requestee, if perhaps send via EPS, then send separately from notification message), certificate of addition grade (for example, the ID of unique number of the account and login EPS), privately owned numeric security signature key (for example using public key cryptosystem) or a side or by mutual consent and other security mechanism grades of EPS support.

After having satisfied authentication and safety test, the payee carries out electronic retrieval to Check 21 images of payment, and verifies that this payment information is correct.After retrieving images and checking, the payee can select DOC is deposited in the method (step 46) of its bank account.The present invention provides multiple choices to deposit in or has cleared payment to the payee.For example, the payee can retrieve the DPF record (using GUID) of specifying DOC, and EPS can produce DOC image (according to Check 21 picture formats) and it is shown, pays to allow the payee to confirm, the correct amount of money etc.After audit DOC (as passing through EPS), the payee can select how to continue to require its payment.At first, the payee can select to use printer with DOC as the IRD physical printed on paper, and in bank its physics is deposited in as the traditionally on paper check, promptly use the X9.140 liquidation method.In addition, the payee can make EPS that DOC is forwarded to its bank with the exchange deposit as image cash letter (ICL) electronics, has saved the time and efforts of going to bank, promptly uses the X9.180 liquidation method.For example, the deposit of transmitting can use Email that ICL is sent to known bank address, as deposits@bankxyz.com, wherein, the system that utilizes the EPS hardware device to provide, the computer system of bank can be removed the ICL file that adheres to, and forwards it to the internal entries treatment system of bank automatically, to allow to charge to the project that is deposited in.In addition, EPS can be converted to DOC another form of payment, as automatic clearing house (ACH) project etc.

BOFD (step 48) provides the credit (step 50) of DOC to the payee, and clears DOC (step 54) by normal clearing house process.Because the DOC payment is handled or " clearance " by banking system 40, each DOC file can be placed into the banker's clearing house cash letter file (X9.180) of standard subsequently, with other check projects (promptly numeral is created or the image of paper scanning) " binding ", and carry out electron exchange with other banks.Current, all tradition and image exchange clearing house mechanism are supported the exchange of Check 21 image files, comprise Federal Reserve System, ViewPointe, SVPco/ New York clearing house and other E-Payment clearing houses (EPCH) etc.In addition, can be with the image file of X9.37 type as " received form " in many privately owned both sides' (bank is to bank) the image exchange agreement.For example, image file can directly be intercoursed with the X9.37 form according to privately owned clearing agreement by bank (as Wachovia and Bank of America-National Trust ﹠ Savings Association).Finally, DOC clears by the clearing bank, and to BOFD, and DOC image (step 56) is used in the clearing bank in requestee's monthly statement with transfer of financial resources in the clearing bank.

With reference to Fig. 4, illustrated that DOC produces 60 example embodiment.In this example embodiment, DOC produces 60 and utilizes the computer 62 that is connected to EPS 66 by network 64 (for example internet, cellular radio network, wireless network etc.).EPS 66 is a kind of electronic systems, be configured to a plurality of users (requestee and payee), bank and other financial institutions mutual, to realize DOC generation, distribution, tracking, authentication, safety, clearance etc.EPS is designed to that high power capacity, payment are are highly reliably signed and issued, tracking and fail safe.For example, the redundant set that EPS 66 can comprise bank or the interconnection of clearing house payment network is exchanging or pathfinding payment, and redundant data network and redundant computer group (having the data storage that is connected to the internet).

EPS 66 is configured to produce 60 to DOC provides various user interfaces (UI) 68 methods.UI 68 makes the user can open account, the account is stored static requestee's payment information, as American Bankers Association's (ABA) routing number and number of the account and independent UI form, this independent UI form is used for automatic DOC establishment and the transmission that each DOC creates or is used to arrange, or is used for " disposable " payment use.For example, UI 68 can comprise the input field of the conventional information that is used to be stored in the paper checks front, as at the instruction (for example, payee name, telephone number, e-mail address, physical address etc.) of " who payment ", the amount of money value decimal number input of certain currency (for example as), payment date issued, will be from the Bank Account Number (being conventional checks number of the account and ABA bank routing number) of wherein drawing payment.In addition, UI 68 can comprise the memorandum field of describing payment details, and the safety requirements of certain grade potentially, retrieves as needs PIN number and specifies the DOC payment.In case the user inputs to UI 68 with data, EPS 66 produces metadata from input.Should be noted that the present invention expects that other mechanism produce metadata, as automatic processing, brush cheque card etc.

No matter which kind of produces the mechanism of metadata instructions, and the data value that obtains all is stored in the data-base recording that is called as numeral payment file (DPF) 70.DPF 70 comprises data and payment instruction, comprises unique transaction id, and the follow-up data of specifying payment is handled required other audits, safety and tracking data.DPF 70 also clears with control as automatic requestee " payment certain " file logging uniquely.In addition, the present invention can produce the image 72 of accurate bitmap form and the desired form of X9 standard (the final version of X9.37 draft and X9.140IRD and X9.180 image and cash letter form).

Should note, with no paper Check 21 projects or DOC and Check 21 operating suchs, and use two key components to make up---the first, DPF 70, comprise computer instruction and resulting " metadata ", this metadata is used to create second portion when needed; Second portion is " bitmap " image 72 of the banker's check front and back that produces of computer, and the additional data of storage in Check 21 cash letters record and binding.The computer of bitmap produces and is called as " numeral origin " step, with its with traditional paper checks scanning (can be called cheque image manually or " papery origin ") differentiation.The DOC image file uses standard C heck 21X9TIFF picture format, shows check information on the direct picture of check compatiblely, as payment, number of the account and payee name (and the metadata of other embeddings, if desired).Should be noted that because exclusive " numeral origin " (promptly not based on the origin of paper), the third party that DOC has multiple chance to relate in requestee, payee, bank and payment process promotes or exclusive Treatment Options is provided.At first, because DOC is effective Check 21 projects, they can be the ACH project by intercepting or be converted to other form of payment, as the credit or the transaction that takes this opportunity.Secondly, DOC can comprise valuable commercial preference, and the contract of preserving contract as the payment of having ready conditions under in the situation of meeting one's engagements, via the third party is carried out, limited " storage life " controlled and signed and issued, accept and clearance and alternative transfer approach.The 3rd, the last fail safe that can have enhancing of DOC comprises PIN number, secure digital signature and the bar code of each DOC and automatic liquidation method.The 4th because DOC is according to the payment metadata of EPS place storage and dynamically generation, they can be in whole clearance process real-time update, with will add, readable and clearly information be added into Check 21 image files.

In another example embodiment of the present invention, the DOC metadata that is stored among the DOC DPF 70 can be used for the UCC project is converted to alternative method of payment.These alternate ways that do not relate to check comprise following method, as producing ACH project, credit card, debit or ATM project, remittance or some other payments mechanisms still leaved for development.When the output of DOC file is used to be different from the purpose of creating DOC, DPF 70 clauses and subclauses are represented.DOC 70 record has been stored and has been used to create another form of payment (" payment instruction " that is different from check/DOC).DPF 70 is intermediate steps of creating ACH transaction (for example), and after the requestee created the DPF record, the payee can select this project deposited as ACH and handle, and causes creating the ACH file according to the NACHA rule, to clear under this network.Perhaps alternatively, DPF 70 records can be used to produce atm network message, so that the payee uses identical DPF metadata information to take out cash at ATM.

Another example embodiment of the present invention has illustrated that the dynamic image of DOC produces essence, and this essence can promote " the check back side " set of operating characteristics automatically of strengthening.This can see easily: at first (when the check back side does not comprise data (it has the blank back side of cheque image)) beginning when origin, but the subsequent treatment of DOC can produce the payee's metadata that is used to upgrade the cheque image back side.For example, EPS 66 can also comprise UI 68 screens, is used for the payee and carries out subsequent treatment.Therefore, after the payee accepts DOC, EPS can produce Check 21 images, the back side of these Check 21 images is used as " only being used for deposit ", " number of the account 12345 of the XYZ of bank ", " agreeing also to accept " and even the legend (all these can occur or appear at together with coordinated mode the back side of cheque image separately) of a plurality of or follow-up payee endorsement come " affixing one's seal " or add stamp.Another example comprise the desired contract constraint of particular business process or agreement (as, if deposit check in then agree contract).At the EPS place, produce each image that adds stamp as independent image layer according to the metadata of storing among the DPF, these image layer can be alternatively or are produced conditionally, the final cheque image form that is used to settle accounts with generation.This is the significant improvement to existing system, and in existing system, people or automaton " add stamp " mutually thereon, makes that the image of final clearance is often not readable.At any dispute or pendend lite around the payment and settlement process, the clear and readability at the check back side can become main focus---comprise when who has handled check with which kind of endorsement or stamp.EPS does not overlap each other by a series of images and the image that produces expression check back side state at each time point, can easily handle all these fields.Therefore, can avoid or easily solve the payment dispute.

With reference to Fig. 5, illustrated EPS system 80 according to illustrated embodiments of the invention.As described here, EPS 66 is a kind of electronic systems, be configured to a plurality of users (requestee and payee), bank and other financial institutions mutual, to realize DOC generation, distribution, tracking, authentication, safety, clearance etc.EPS 66 is configured to communicate with a plurality of requestees 84, payee 86, BOFD 88, clearing bank 90, clearing house 92 etc. by network 82.Notice that the present invention allows any requestee to utilize EPS 80 to create with no paper Check 21 projects.This provide a kind of anyone to anyone or the equity (P2P) electronic fare payment system.

Usually, EPS 66 is a kind of computer systems, comprises a plurality of treatment elements, distributed memory, network interface, external data memory 94 etc.EPS 66 disposes and handles and the storage redundancy, and is configured to communicate with a plurality of requestees 84, payee 86, BOFD 88, clearing bank 90, clearing house 92 etc.EPS 66 comprises various modules, as UI 68, DPF processing 102, DOC generation 104, sending module 105, tracking module 108, authentication module 110 and processing module 112.Describe as Fig. 4, UI 66 provides the mechanism that is used to create and distribute DOC to user 84,86,88,90,92.In addition, UI 66 can provide mechanism such as the tracking relevant with DOC, modification, clearance, processing, safety, authentication, deposit, repeating transmission, in addition, EPS 66 can comprise and being used under the situation that need not direct UI 66 visits, as use automatic processing to carry out the mechanism of these processing automatically.

DPF processing module 102 be configured to create with the DPF record of specifying DOC to be associated, revise, renewal etc.Here, described in Fig. 4, DPF is the data-base recording of the storage metadata instructions relevant with DOC.EPS 66 is configured to a plurality of DPF of storage in data storage 94 grades, and makes a plurality of requestees 84, payee 86, BOFD 88, clearing bank 90, clearing house 92 can create, send, receive and handle DPF.DPF processing module 102 is configured to create DOC in response to user's input or by automatic processing.In addition, the tracking characteristics that further described here of DPF processing module 102 management, audit feature etc.For example, because DOC is based on metadata, therefore can be sending after but before finally paying, it is being made amendment.This can work as and be used for amount of money correction, typing error etc. on the way when DOC is not still deposited in as yet.Similarly, can before payee's deposit, send DOC again to the opposing party.For example, even the requestee has sent check to a payee, recipient (i.e. this payee) also can back a check this and transfer the possession of or retransmit to another payee.

DOC generation module 104 also is configured to IRD form physical printed DOC or prints to normal paper checks, with the check as long-range establishment.In addition, the DOC of IRD form can be produced as automatically again and turn back to digital form, and need not to utilize transaction id and EPS to come scans I RD papery image.Traditionally on paper check project with the IRD format print is different then with scanning, can use unique transaction identifiers (GUID) that DOC is changed back digital form again on the date in any future.Should be noted that and can produce DOC check front or back side image with many level of resolution (measuring with dots per inch or dpi), these level of resolution are independent of selected bitmap format, as JPEG, TIFF, PNG etc.Secondly, the DOC image can comprise selectable items, to payee and deposit or clearing bank notice and indication appointment payment.Its example comprises, " human digitized signature " directly integrated with the front or the back side image of check as authorized signature, (this is according to law of electronic signature although with no paper Check 21 projects never are printed or physics is signed, use is integrated into that optional and independent image layer in Check 21 images realizes), comprise the statement of " on file, signing ".Should be noted that when requestee or payee have been written into EPS on sample of its human signature or other handwriting samples (for example, " John Q Public " is as its authorized signature), realized real personalized " digitized signature " feature.Alternatively, requestee or payee can select to use the font that shows with " hand-written " form, to imitate its human signature.In these methods any can satisfy law of electronic signature and authorize legitimate signature as it.Therefore, the dynamic image form of DOC file can comprise the valuable optional data that is in machine and human-readable form, and need not paper process.This feature is also carried out the processing and the operation of check automatically, and accelerates total business process between requestee, payee and the banking system.

Should be noted that the present invention has kept the lawful right of creating or destroying during Check 21 intercepting processes.Traditionally, Check 21 projects are come image conversion according to paper checks, and paper checks has complete right and the responsibility of utilizing in the clearance process, and these rights and responsibility derive from UCC case law or Check 21 bills (with reference to the UCC law) itself.Notice that Check 21 bills of being passed through only allow bank's intercepting check and create Check 21 projects.Comparatively speaking, DOC can transmit in the electronics mode, also can utilize the X9.140 standard of the hard-copies that produce the original figure check to produce Check 21 standards " substitute checks " or IRD.The payee can print IRD, and brings it into bank and deposit, and this is because it comprises the full set of guarantee and reparations.The full set of these guarantees and reparations is based on the contract of requestee and payee's agreement, and EPS 66 needs this contract of signature to send or to receive DOC.Because DOC is covered by this contract, they must have the full set of acceptable guarantee of BOFD 88 and clearing bank, downstream and reparations.The DOC feature of this novelty (being that DOC has " guarantee " fully state) with wish to print its own IRD document and deposit it commerce of bank in different with other trial that individual consumer user is carried out, this is because these documents will not accepted (can not bear the risk of can not transferring accounts of originating from the unknown of IRD owing to deposit bank) by BOFD 88.Expect this scene, wherein individual or businessman do not have and the privately owned guarantee contract of the existing both sides of its bank (this is the notion that allows under existing UCC law).In addition, according to existing Check 21 regulations today, have only bank with electronics or IRD form its guarantee to be extended to follow-up clearing bank subsequently by cheque imageization is intercepted check.

Therefore, by using requestee and payee's binding to admit cheque image or IRD and to allow deposit bank and subsequent banks will assure and responsibility is returned and is responsible for just that the present invention eliminates this risk.In other words, the present invention allows deposit bank that risk transfer is returned depositor's (or EPS66 is if EPS 66 selects to bear this risk), and if desired, it is shifted back the original payment people always, even pay with image or IRD form.By the security feature (when producing and retrieve the DOC document, in the transmission of EPS 66 all these being bundled) of unique Trace Identifier (GUID) and internal auditing and tracing process and enhancing, EPS system 80 has promoted this risk transfer.Therefore, its risk can be measured and follow the tracks of in EPS system 80 effectively, and know who is receiving and transmitting these payments, and therefore when dispute or swindle situation, responsible ground returns this risk transfer to the tort-feasor.

Notice and sending module 106 are configured to handle the transmission of DPF between each requestee 84, payee 86, BOFD 88, clearing bank 90, the clearing house 92.As discussed herein, each DOC comprises that GUID is as the unique transaction id that is associated with each DPF record.According to the present invention, bank cashier can be verified the legitimacy of DOC by various UI 68 methods (for example webpage, automatic software program or phone IVR system etc.) in the numerical digit in the unique transaction identifiers (GUID) that finds on IRD to EPS 66 inputs.This GUID input system is linked to the EPS 66 into the original generation of requestee DOC, and this allows the payee at first to print IRD.(placing it in this position in DOC IRD production process) can be printed and find to this GUID value in the Check 21 in IRD front " optional data field " position.The EPS system can check that the GUID that the teller imports can be used for deposit (stoping the malice payee to print and deposit in the trial of a plurality of IRD) to confirm single effective IRD, therefore perhaps warn the teller not accept this IRD because this IRD be the invalid GUID IRD of swindle mode oneself establishment (or with) maybe this payment deposited in or verified.

The present invention has adopted a kind of exclusive many parts treatment mechanism, has utilized the electronic property of DOC.At first, when the requestee sent DOC, with generation paper checks or different according to paper checks generation Check 21 projects, EPS 66 carried out a plurality of dynamic movings.At first, EPS 66 storage payment instructions, then alternatively, EPS 66 can utilize the fund checking message of " memorandum subsides " or ATM pattern to come the checking fund in deposit.Secondly, EPS 66 check that can notify the payee to have to wait for them and handle in the designated time (know alternatively, or can have the automatic deposit that links to the payment reception) as big capacity recipient's payee for EPS.This notice notion is similar to from bank receives call, says that you such as have at check to be deposited.Can wait by voice mail, SMS text message, instant message or IM, traditional pagers message or fax and various other Notification Methods and notify the payee.No matter which kind of transfer mechanism uses message to notify the payee, " you are rich " to the effect that.The 3rd, optional business method can be applied to how carrying out or receive transmission and the payment submission that payment manages or controls.Finally, the payee can utilize Notification Method, waits for the appointment payment that they handle by utilizing GUID to identify, and retrieves the DOC project.Therefore, the ability that provides the notice of payment events by DOC payment and in single or multiple step process or in manual or automatic mode, payoff has been transferred accounts.The present invention need to force two steps (promptly create the value in the check, transmit it then) unlike paper checks; The present invention can carry out in a step, perhaps utilizes optional enhancing to carry out along this process.

Use sending module 106, the teller at BOFD 88 places can ask to specify Check 21 projects to be produced as electronic image files again and send it back BOFD 88, further to be handled by " project processing " department.In order to finish this generation, the appointment DOC metadata information of storing is searched and retrieved to the GUID value that EPS 66 can use the teller to provide in the DPF system.When these again request to create arrive DPF, from EPS 66 retrieval original metadata values (or value of current storage), and use the original metadata value to come to create digital check file again and handle to carry out further image exchange with the X9 form.Then, this electronics X9 file can use standard cash letter file form directly to send via safe electronic link (as existing Federal Reserve System) or BOFD 88 is returned in pathfinding, perhaps enters private bank or enters third party EPCH etc. via the VPN(Virtual Private Network) link.(or any future time) produces compatible fully Check 21 digital pictures and the ability that need not to scan or handle papery IRD is another exclusive element of the present invention again as required.The benefit of this feature is from following real-time derivation: the process that " produces again " has automatically been avoided the mistake of papery scanning, and bank is reduced handle the related amount of labour of papery project and benefit.Therefore, do not need to scan the IRD that submits to for deposit, to produce the front and back cheque image of standard C heck 21 forms.Again image of Chan Shenging and data value can be directly produce from EPS 66, and send it back BOFD 88 with the standard cash letter file and carry out further image exchange and handle.

Tracking module 108 is configured to provide the real-time and historical trace of each DOC that creates and handle by EPS 66.The present invention allows at any time to produce the DOC with complete history and audit index by EPS 66.This be because, DOC is an electronics, can write down, monitor and follow the tracks of by tracking module 108 alternately with all of EPS 66.In addition, DOC still can carry out this locality as IRD on paper handles, and perhaps can create and be sent to once more bank as required again as electronic item.All these notions are the thought that the metadata " payment instruction " of storing in the DPF makes up based on DOC, and tracking module 108 can be followed the tracks of each payment step by record data in DPF.Tracking module 108 provides and the similar information of transportation tracking characteristics overnight, as UPS or FedEx.DOC publisher can check the real-time status relevant with DOC, to determine that it is (also it can be tied to automatic notification feature) that when receives, and whether EPS has visited the DDA account in addition, perhaps whether EPS has the amount deposited value that DOC is represented of being stored, then, it can know when this DOC cashes, and whether and when is given third party or the like by endorsement.In addition, the critical event relevant with DOC can be subscribed in advance, to notify automatically when taking place.For example, when DOC is retrieved, deposits in or settle accounts alternatively and clears, advice and pay people automatically.

Tracking module 108 also can provide flexibly " overdue check " feature.Traditionally, the standard-required check was cashed in 180 days.DOC can have a plurality of clock status and restriction, manage who it can be cashed and in any period of time they can settle accounts or clear this check.Clock on the DOC can be set to determine pay before and how long can wait for becoming " expired ", perhaps is set to be referred to as DOC " life span " time (TTL).In addition, at when should send DOC (arriving the payee in certain date of payment in the future) to guarantee it, when it can be cashed or clear, specify cancellation TTL scope, allow endorsement TTL scope (being used to impel the contract signing), transport TTL, receive TTL, pick up TTL etc., other clocks can be set limit.User or bank examination EPS 66 use tracking module 108, as long as just can determine the state of DOC in real time to handle or to transmit check.Therefore, based on state, there are a plurality of timer events to be set up or to trigger.The user subscribes to these incidents or request is notified when the check clock reaches particular state.In addition, this can inform the requestee, and when someone be IRD with Check Printing, when it is deposited " cashing " via electronics, or when it is liquidated (when drawing on the bank account that is being integrated into EPS, perhaps EPS keeps requestee's storing value account or via various EPCH integrated concepts, the EPCH integrated concept comprises ACH clearing etc.).

Authentication module 110 be configured to provide with the establishment of DOC with handle relevant fail safe.For example, EPS 66 use GUID search the DOC transaction, and determine how to authenticate the payee based on the authentication grade (or by payee's setting, as retrieving the condition of paying from EPS66 according to create name or ID) that the requestee selects when creating DOC.Authentication grade can comprise: do not have (as long as promptly know transaction id or GUID for the requestee with regard to safe enough) or one group of unique certificate of needs (for example unique number of the account and login the ID of the EPS 66 that has utilized known PKI method).Use privately owned numeric security signature key feature (for example using public key cryptosystem) to allow EPS requestee or payee to be verified or be designated source or the recipient of DOC.In addition, utilize the public key cryptography method to allow PES to guarantee all sides' of relating in its known and transaction non-sign of refusing to pay.In arbitrary mode, a side or various safe classes by mutual consent, that EPS 66 supports can be arranged to authenticate.

Processing module 112 is configured to allow requestee 84, payee 86, BOFD 88, clearing bank 90, clearing house 92 to handle and clearance DOC by EPS 66.As described here, DOC waits by GUID and identifies.In case sign, processing module 112 realizes forwarding and the clearance of DOC.For example, processing module can produce electronic image files and send it to first deposit bank further to be handled by " project processing " department in this bank.Along with these again request to create arrive processing module 112, retrieval original metadata value (or value of current storage) from system, and be used for creating digital check file again and handle to carry out further image exchange with the X9 form.Then, can use standard cash letter file form first deposit bank to be gone back in direct transmission of this electronics X9 file or pathfinding via safe electronic link (as existing Federal Reserve System).Again image of Chan Shenging and data value can directly produce from EPS 66, and send it back first deposit bank to carry out further image exchange processing with standard x 9.180 cash letter file.Therefore, this has illustrated that also any project that the present invention produces is to use the process that meets Check 21 fully to make up according to the electronics metadata (payment instruction) of storage in the database (DPF), rather than paper or existing check image data are scanned.Because the DOC in numeral source clears by system, they do not need project processing (classification, image conversion etc.) to clear.Clear or handle all required information stores of check in DPF, so DOC can be forwarded to federal network or clearing bank automatically by any independently Check 21 images serve of recipient (BOFD) or execution E-Payment clearing house's function (EPCH).

Exclusive element of the present invention relates to the quality that is played Check 21 images of source procedure generation by numeral.DOC generation module 104 is configured to create the DOC image with exact image quality, makes it pass through Federal Reserve image quality measure (IQA) test, does not have mistake or need not to correct.Because " bit " or " pixel " of DOC Check 21 images produces according to the EPS metadata, the bit that only should be " deceiving " or " unlatching " is activated, and has eliminated background image noise, random bit or the mistake in the image.The bit that provides by the information of meta data definition only is provided the image that DOC produces; In the black and white image that the bank clearing system receives, do not enable additionally or bit at random.In addition, the image that requestee or payee see can have optional background image, but handles when being sent to bank or clearance side as EPS, with this image removal.This optional background image allows user to have the image that it is liked on its check background, known " cat and dog " problem that the papery project of also having avoided comprising background image in use occurs as to the input of optical character identification (OCR) algorithm of identification payment the time.In other words, optional image is stripped from, and stays the white image of the black that does not add image or pixel (the black metadata on the white background) and further handles or image measurement.Therefore, because DOC has the picture quality of enhancing, the DOC image that EPS produces can (be seen for example www.frbservices.org/Retail/check21 TechInfo.html " Black and WhiteImage Standard and Quality Checks " document by the system for settling account or the Federal Reserve content IQA test of inner deposit bank easily, its full content is incorporated into herein by reference), " noise " of this thermometrically image conversion project and " blackness ".In addition, have the optimal image quality and eliminated the chance that the OCR mistake when the source document that utilizes image file to handle as successive image, occurs.Therefore, problem that DOC can avoid known " copy of the copy of copy ", this problem is intrinsic in any document process scheme based on paper.

In addition, another exclusive element of the present invention is that EPS 66 is configured to be provided for stopping the mechanism more efficiently of DOC payment.Because according to the very fast clearance time of Check 21 interceptings, the cancellation paper checks is inconvenient, and infeasible usually.For example, the requestee must go to bank, signature form, wish to catch up with in time check.Use DOC, the requestee just can by EPS 66 immediate cancels it, or with its hang-up.In addition, the requestee can for good and all cancel DOC, if send check again, then will send new GUID.Advantageously, this allows requestee to know that whether DOC is cancelled before substituting sending another DOC.This is very fast, easily and directly---these features allow paying by check to pay the competition of clearance mechanism by mails better with according to other of NACHA ACH system.

Another exclusive element of the present invention relates to requestee's payment certain database (PPD) that EPS 66 and processing module 112 are utilized exclusive automatic generation.Traditionally, have only the corporate client that the administering of property account is tied to the commercial DDA account of its high value can tell which check of bank will pay and which not (being positive or negative payment tabulation).Payment certain database (PPD) is the automated characterization that DOC creates, and promptly EPS knows when DOS creates, so it knows which " check " will pay, and therefore has only authentication and the DOC that truly sends can be liquidated.This automatic PPD feature brings businessman to enjoy for many years benefit to the client.This is inner PPD, EPS 66 also has ability from DOC establishment information (PPD) to clearing house (EPCH) that send, make external user (for example can verify good check, traditionally, bank can not tell PPD information outside recipient, but EPS can use automatic PPD feature to disclose this information if desired).Outside PPD information also can be sent from the finance software of keeping accounts, as the input to EPS or EPCH.Strong security and the non-mechanism of refusing to pay of using public key cryptosystem to provide can provide safe, the audit and the tracking characteristics of additional level to DOC.Note,, just set up automatic payment certain database feature in case sent DOC (may carry out digital signature) by the requestee.Need check is verified that EPS can use cheque number, GUID or transaction (Tx) sign indicating number that offers it at the most as long as can be used as IRD before sending or clearing, and the given value of storing among itself and the DPF is compared at check.Have that additional safe class allows to carry out even the authentication and the checking of stronger grade.But at least, whether the project that EPS can use GUID to check and be asked is effective DOC really, verifies also whether it is not liquidated as yet.Therefore, under the ideal conditions that relates to PPD, PKI and safety certifying method, one and have only a DOC will as the payment clear.

In addition, the requestee can set up DOC control before sending DOC.This allows the condition of the transmission of requestee's regulation and the DOC that amortizes.For safety, the requestee opens independent PIN number is set on check, and perhaps they can specify the deposit-type (for example verify check in advance, maybe can not be given to third party etc.) of permission.The requestee also can be provided with life span (TTL) or other expiration date restriction (x deposits in day), wherein, if (promptly only in the U.S.) of electronics then can deposit it in, perhaps prevent ACH intercepting, carry out required repeatedly endorsement, conditional agreement, before clearance, satisfy contract or the third party preserves agreement for deed or the like.Finally, the payment feature of having ready conditions only can be controlled and just make loans when the requestee receives the payment of some article or service---and this will be convenient to old cashing on delivery (COD) UPS delivery method is created (DOD) method to new goods to DOC again, wherein, by using electronic signature capture equipment (plate etc. of signing as UPS) that the parcel signature is discharged DOC.

In addition, have and follow the tracks of and the EPS 66 of processing module 108,112 can comprise the file that the instruction of adhering to or interpolation have payment.Check publisher and cash a check person can file uploadings, as receipt, agreement, client clear document, transport document, link, EDI document (as PO or invoice etc.), and it is added into the DOC transaction file.Document also can be attached to " the stopping " in each stage of the process of backing a check and finish.The file enclosing characteristic can be used for " third party preserves contract or has ready conditions payment ", wherein needs additional data to come the validation of payment clearance to flow through stage in the journey and has finished or be verified and carry out---allow checking or proof work before can cashing check.

With reference to Fig. 6, illustrated to transmit 120 according to the DOC of illustrated embodiments of the invention.DOC produces by the check metadata, or is printed in Check 21 images (step 122) according to the X9.180 file format.The generation of DOC can utilize various mechanism described herein.DOC transmits (step 124) in the electronics mode.Notice that electronics transmits can comprise various mechanism, as have URL or embedded images Email, have the Email that adheres to file, Email, IM, SMS text, facsimile machine, URL etc. with encrypt file.

At first, can in email message, DOC be sent as IRD by embedding JPEG or other image types.When the payee opens its Email, present " image " of the check of IRD form to the payee.The user prints Email and brings it into bank and deposits (step 130).Notice that image can comprise optional bar code, and it has the form of IRD X9.140 file.Therefore, this image is effective IRD, and bank accepts it based on the contract between requestee, its system and the payee, expanding to all sides according to right and the responsibility of Check 21.In addition, cheque image needs not be the IRD form to carry out electron process.This can use the customization mime type to finish, to handle the cheque image of in e-mail program, checking, arrived rather than at random graphic picture or image as notice computer " check ", promptly, when using mime type, exist when the requestee produces and transmit when EPS (source end) is known as the image of " value project " (being money) or the information of establishment, therefore, the real image that transmits uses mime type to encode, so that this knowledge is passed to the payee.This cheque image notion is similar to the difference between practical object and the object picture.The customization mime type embeds or is attached to the cheque image in the Email, when the payee opens Email, OS or e-mail program are discerned this mime type, come load image (given payee's software knows that this is the special object (being check) with value) to use special process.This notion can comprise that " thumbnail " image has adhered to effective cheque image to show to the recipient, but has human unreadable form, as encrypted form.In addition, can need PIN to come to protect the decoding of image via digital cipher.

In addition, DOC can be used as the encrypt file transmission.DOC delivery system (Fat Client or website) can use shared PKI infrastructure (for example making up by EPS or by outside EPCH) to produce DOC (having payment instruction), then, the public-key cryptography of obtaining the payee is with DOC image/IRD digital signature or be encrypted as automatic generation but the file encrypted, as Adobe PDF etc., making only has recipient/payee can use its private cipher key to open PDF.Note, the recipient must be in advance to EPS or EPCH registration, producing the PKI key to (online storage public-key cryptography, and private cipher key is stored in the somewhere that controlled by the payee), and this private cipher key need can be used for opening any machine of encrypting PDF DOC image.This be a kind of simply, " client " side security model cheaply, utilize free and widely used Adobe PDF reader client or support other software clients of widely disseminating of PKI encryption method etc.

The present invention also expects other DOC transfer approachs, as instant message (IM), voice mail, URL, SMS text and other electronic communication mechanism in the future.Because DOC has digital form (promptly not being IRD), metadata or Check 21 electronic item have variety of option can be used as transfer mechanism (different with the paper checks of necessary physical transportation).Except Email, the URL that points to DOC can wait via IM, cell phone SMS text and electronic communication mechanism in the future and send.This thought has been eliminated paper printing, mailing, cost of transportation, processing, storage, protection and the processing/classification of physics papery project.Alternatively, the present invention's IRD transmission of (FAX) of expecting using correct formatization from computer to facsimile machine.When the requestee does not have computer or Email to insert, can make in this way.For example, the requestee can as in UPS mail shop, fax check to the payee at Shared Service Center, allows the payee to enter the shop and picks up check as IRD and easily it is deposited in or cash.This also can wait as Western Union and realize by DOC being converted to money draft type and its electronics being sent to cash a check shop or draft shop.Advantageously, this can eliminate needs and the expense that sends paper checks via " overnight sending to ", and almost instant transmission is provided.

In addition, the requestee can be by creating DOC but is not allowed EPS send DOC immediately, and check " is parked " to " locker " so that use later on.DOC can be stored in the service created (being EPS) and locate, and the service of establishment returns to the requestee with URL (similar carrier's note), and this URL " refers to " check to " parking ", and before further handling beginning, this check waits for that certain future event takes place.The requestee can be via IM, voice mail or any other alternative transfer mechanism, and URL is sent to the payee with carrier's note.The payee uses this URL (utilizing PIN) to come from " locker " that the DOC locking is put retrieval DOC, then its (IRD or electronics deposit) is deposited in its oneself " locker " or account.This can realize the payment services of arranging (for example being used for online bill payment) or " temporarily " check that is used for sending when needed.This also can cover the thought that the requestee produces part DOC payment, and promptly the requestee knows all the elements except that payee name in advance, therefore, uses amount of money value and other payment informations to be pre-charged with DOC.This allows exclusive digital form to solve requestee's problems such as " whom I write a check to ".The DOC that this can also allow the payee to receive to have " blank " payee field, and with its name/accounts information " automatic sealing " to DOC, be tied to the generation again (being that DOC is not a still image) of payment and the notion of other metadata driven.

In case receive, about how handling DOC, the payee has multiple choices, deposit, be converted to ACH (step 128) in and print IRD (step 130) as (step 126) via e-mail, and other form of payment or intercept method etc.In case the payee has notice, the payee uses the unique transaction id (GUID) offer them in notification message to identify them which wishes to retrieve to specify DOC.EPS uses the authentication grade that GUID searches the DOC transaction and select when sending DOC based on the requestee (or being provided with by the payee, as being used for the condition from EPS retrieval payment according to create name or ID) to determine how to authenticate the payee.After satisfying authentication and safety test, the payee can select the deposit of how to pay or clear to charge to its account.When retrieving at the DPF record of specifying DOC (use GUID), EPS can produce DOC image (having Check 21 picture formats), and directly it is presented on Website page or other UI methods, come to specify cheque image with the payment that receives at the payee to payee's program.The payment of checking the cheque image form allow the payee confirm this be their payment of expecting really, have correct payee name or identifier on it, it has correct amount of money value and has other optional business rules or process is attached to payment, before depositing this payment in, the payee can confirm these rules or process.

Check DOC on the EPS webpage after, the payee can select how to continue to require its payment.First and the simplest selection be, the payee can select to use its oneself printer that DOC is printed on the paper as IRD, the teller window in bank deposits it in as the traditionally on paper check then.Alternatively, the payee can allow EPS that DOC is deposited in as electronic cash transportation list file " forwarding " to its bank, saves the time and efforts of going to bank.In a preferred embodiment of the invention, example via EPS " deposit of forwarding " is used Email, (for example send ICL to known bank address, it can be listed in the ABA catalogue, as its routing number is listed), as deposits@bankxyz.com, wherein, hardware device or web service or API that the computer system of bank utilizes EPS to provide can remove the ICL file that adheres to, the project that is deposited in to charge to.EPS can support to receive other forms of payment, comprises the non-check form that DOC is converted to payment, as ACH, ATM or remittance method etc.

The present invention can realize truly " long-range " deposit via the cash letter file with the image that is used for everyone when everyone receives DOC.These are different with existing " long-range deposit " notion, and in existing notion, the client writes paper checks when checkout, and trade company's scanning MICR line is carried out ACH " POP " intercepting.This is because the present invention does not utilize paper, do not utilize scanning, can not need POS equipment to carry out long-range deposit anywhere, add DOC and come legal extension or clearance, and can comprise that automatic sealing/deposit adds stamp (only at deposit) feature etc. as check rather than ACH project.Use transaction code or GUID, the website that use EPS provides or the service for checking credentials of 1-800-Check Me type, the user can remotely push DOC into its account (image exchange) as the check electronics.In addition, the payee can deposit DOC in atm network.Today, most of ATMs can be carried out Check 21 image scannings, so the payee can adopt the DOC of IRD form, and deposited it in ATM.Be that with the difference of existing ATM scan method ATM can read and strengthen the IRD bar code, easily DOC being reset the sub-form of wiring back, and need not image OCR to determine the amount of money and amount of money data.The AMT network can " draw DOC " via bar code scanning simply goes into BOFD.Atm network (different with bank) has the motivation settlement check, owing to thisly conveniently will collect new expense.ATM can scan the PDF417 bar code that strengthens on the DOC IRD, so that deposit DOC automatically on ATM.

The EPS that sends DOC also can be converted to DOC the alterative version of ACH project as intercepting.This is as known " POP " or " ARC " notion in the ACH of today payment.For this reason, use new NACHA SEC sign indicating number, be used for 3 suitable alphabetical ACH clearance sign indicating numbers as " DOC ".This ACH payment will intercept DOC check (according to EFT (EFT) guide) and DOC will be converted to the ACH project to carry out route via normal NACHA e-file and NACHA rule (clearing etc.).Advantageously, check recipient or BOFD can select the route/liquidation method of least cost for it.If payee or BOFD are big capacity ACH users, then they may more have a preference for DOC rather than ACH intercepting to Check 21 project liquidation methods.

In addition, use DOC as starting point (or terminal point), supplementary features have been realized at the EPS place, allow " digital check " switched and be converted to other payments " track " form and from the switching of other payments " track " form be converted to " digital check ", as long-range establishment check (papery), cash, credit, debit, ATM, remittance or the like.This thought is to ACH POP/ARC intercepting conception expansion, i.e. DOC to ACH is because the DOC project is switched or is converted to alternative network and clearance rule or law.For example; the payee can " cash DOC " at the ATM place; perhaps DOC is applied to the credit card account; or deposit it in PayPal or other storing value accounts; if perhaps protected suitably and confirm, then DOC is converted to remittance message, or alternatively provides DOC to cash method via draft (for example via Western Union draft or USPS draft); vice versa (ATM to DOC, ACH to DOC), or the like.More given additional pay instructions (metadata), EPS is configured to receive the cash letter file that meets Check 21, and is other form of payment with its conversion (check of each file).In addition, DOC can be applied as the credit of credit card account (as the project of returning from trade company), is about to DOC and is converted to the credit card transaction as trade company's credit payment.DPF storage " to the digital command of someone payment ", this instruction can comprise how to pay the bill (transitional information), the EPS switch uses this information to determine how payment should wherein and be carried out.In addition, sender (requestee) can carry out this operation, and perhaps recipient (payee) can need decide when will add instruction DOC is converted to another more useful form at it.In addition, when printing to IRD, the present invention can create and the digital certificate of deposits of correct preparation the (on the amount of money accurately, or the like) DOC, and this numeral certificate of deposits has promoted the long-range deposit notion of client.Use the payment metadata, can produce the certificate of deposits (DODS) in numeral source, make to deposit DOC easily in.Create these certificates of deposits when retracting bank at reception DOC or with DOC; DOC is dynamic creation, owing to do not need actual papery document.

With reference to Fig. 7, illustrated the DOC image that is produced 142,146 according to illustrated embodiments of the invention.Although can electric transmission DOC, it also can be used to produce X9.140 standard " substitute checks " or IRD 140 (producing the hard-copies of original figure check).The payee can print IRD and bring it into its bank and deposit, and this requires signature with the guarantee of the original contract of transmission or reception DOC and the full set of reparations owing to it comprises based on requestee and payee's agreement, EPS.Because this contract has covered DOC, they have the acceptable guarantee of deposit bank and clearing bank, downstream and reparations and full set.This DOC feature, the IRD that has " guarantee fully " state, print its oneself IRD document and deposit it commerce of bank in different with other trials that individual consumer user carries out with hope, this is because these documents will not accepted (because deposit bank can not bear the risk of can not transferring accounts from the unknown source of IRD) by first deposit bank.

DOC image 140 is formatted as and is similar to standard x 9.140 IRD, comprises the standard check positive 144 and the standard check back side 146 with digital signature.In addition, image 140 comprises the legal legend 150 that magnetic ink character identification (MICR) line 148 and Check 21 require.In addition, DOC image 140 can comprise the processing that is associated with EPS and routing iinformation 152, two-dimensional bar 154, as is convenient to strengthen PDF-417 form, GUID156 and the Customer Service Information 158 of data encapsulation, faster processing and safety.Routing iinformation 152 can independently use or combine with GUID 156, follows the tracks of and carry out other functions of DOC image 140 to allow EPS.Bar code 154 can be used in combination with bar code reader, to read all information that are associated with DOC image 140.GUID 156 provides unique transaction id and the corresponding D PF that is associated with DOC image 140.Finally, bank can use information 158 to come assist process and DOC image 140 relevant problem or query with other people.Notice that DOC image 142 and 146 is dynamically to produce to form IRD140.Image 142 and 146 dynamically produces according to metadata, is used to form the IRD that meets X9.180 and meet X9.140

The present invention can use standard " cheque number " the numerical digit field in the MICR line to insert the PPD number, to replace the cheque number that is used in combination with number of the account.This PPD number can be used to be tied to the check verification database, and good stupid invention can support to customize the use of MICR line as the unique rice of the hash+cheque number=PPD of actual DDA number of the account.This PPD number can be the hashed value of the check information that is used for verifying that fast DOC is legal.Alternatively, the GUID value that can use EPS to produce replaces the conventional checks account number field.

GUID 156 is a kind of one numbers bigger, that produce with algorithmic approach.This mechanism uses given input set cooperation to be seed, produces unique 16 bytes (128 bit) number among any time, all users Anywhere on earth then.Use GUID 156 as hiding or visible cheque number has guaranteed which DOC sends, clears or the like, and be convenient to any at any time place in the electronics mode or use IVR (phone) or manually search and follow the tracks of check.These are different with pre-printed cheque number, because they dynamically produce when DOC creates.GUID 156 also can be used as transaction id (Tx), to find/to locate the appointment check in all checks.Catch in the PDF417 bar code that GUID 156 also can embed on IRD or cheque image.

The present invention provides more excellent quality and characteristic to DOC image 142,146.Use the tradition scanning of paper checks, reading/classification machine is taken the front and back picture of check at a high speed.During the paper process process of this machinery, may introduce multiple mistake, these mistakes further have influence on the electron process of image and follow-up Check 21 files.Because intrinsic machinery and design of Optical System defective, obstruction, the paperboard of any mechanical paper process process experience paper and not lining up, these cause omitting the image (bluring) of image or poor quality or the image that does not line up (with the alignment that departs from or measure away from the number of degrees of trunnion axis---be called inclination).These scan defect influence, although have only a few percent, frequently occur in a large amount of paper checks, make Federal Reserve System mandatory adoption IQA test.Therefore, the IQA test is designed to identify and refuse not meet generally Check 21 standards and the same image that has meant appointment " readability " or " clarity " test of minimum requirements of banking.

The numeral of DOC image 140 produces and does not cause any traditionally on paper picture quality mistake.Secondly, owing to do not scan the papery project, can not produce and image inclination based on the non-existent trunnion axis of paper edge.The DOC image 140 that is produced always has 0 degree and tilts in image.Moreover, DOC image 140 has and is independent of high quality graphic dpi resolution, that measured by the industry standard image quality test, and this is owing to produce the white bitmap of black according to metadata rather than according to the papery project (producing the noise of being introduced by the surface of papery project) of scanning.Use DOC image 140, do not have parasitic black noise element, only have letter, numeral, font and figure accurately.Metadata instructions produces each black bit in the bitmap.(black is white because DOC image 140 has accurate picture quality, there is not the random image noise), and have 0 degree and tilt (being that they align with the trunnion axis perfection of image file), so they always which is read by minimum image resolution ratio form human and computer use Check 21.Therefore, the readability of this enhancing has reduced the probability that optical character identification (OCR) mistake of (LAR) field is discerned under the situation of the bank scanning cheque image of still handling papery IRD amount in figures identification (CAR) and amount in Chinese character.Finally, the industry issue of known background image " interference " (this generally is called " cat and dog " problem, because the background image of these types extensively exists on many client's checks) is also avoided, and this is because DOC image 140 does not comprise any background data.

Because DOC produces according to metadata, it can dynamically produce with many forms.At first, can produce DOC image 140 with the many level of resolution (measuring) that are independent of selected bits bitmap-format (as JPEG, TIFF, PNG etc.) with dots per inch or dpi.Secondly, when DOC image 140 was produced by EPS, it can be generated as and comprise optional data, as mankind's signature, so that handle with paper-based form.This optional or data of having ready conditions (in the front or the back side) can comprise from payee or deposit bank, about the deposit of specifying payment and the instruction of clearance feature.Its example comprises: " human digitized signature " 144 directly integrated with front (or back side 162) image of check as authorized signature, even if it never is printed or signed (use law of electronic signature).Note, if requestee or payee have uploaded the sample of its human signature or other handwriting samples (for example agree and accept), perhaps they can select to use the font that shows with " hand-written " form to imitate its human signature, perhaps they can agree to use " signing " etc. on file---and in these each can satisfy law of electronic signature and authorize legitimate signature as it, then should " digitized signature " can work.Another example comprises that other contracts of " only be used for deposit " stamp of pattern, the number of the account of deposit 162 or particular business process or agreement needs that are used for the check back side retrain (if as depositing check in then agree contract).Therefore, the DOC file of image 140 forms can comprise the valuable optional data with machine and human-readable form, and need not paper process.This also carries out the processing and the operation of check automatically, and accelerates the overall business process between requestee, payee and the banking system.

DOC is similar to " vector image file " according to feature class the metadata " payment instruction " of " raster image file " is created.The benefit of using metadata (as describing the equation of vector) to produce the DOC image is, it provides the flexibility that to produce how aspect the image 142,146.For example, according to the X9 standard, Check 21 images need be the tiff images of per inch 200 black and white (B/W) point.Use the DOC invention, EOS can produce the DOC image 142,146 of various forms, as little X9B/W image (having reduced the file size of DOC) or use the gray scale form to strengthen the high resolution JPEG image of readability or definition.Dynamic creation " cheque image " is suitable for the flexibility and the selection of the requirement of final use or form for you.Therefore,, ideally, only store the DOC metadata for storage, but alternatively, because the check data volume that must show can make the DOC image as far as possible little.This can be used for bank and stores a large amount of cheque images.In addition, DOC image 140 can comprise the low-resolution image version that is used to create IRD and be used for submission of customer statement table or online high-resolution of checking.EPS can also or print required any resolution (or form---TIFF, JPG, PNG etc.) with the Request System storage and produce the DOC image.DOC record (being DPF) does not comprise image, only comprises payment instruction, therefore can dynamically produce any image type as required.In addition, DOC writes down very little (for example in 400 byte number magnitudes, with respect to 400 kilobytes of image), can store with being dirt cheap and be converted to big form and be used for various objectives.This has eliminated the needs of bank's use cheque image stores service (as ViewPointe).The ground that replaces, when needing in the future, the DOC image can dynamically produce and be returned to bank to be used for customer statement list processing, dispute solution or lawful evidence etc.

In addition, current project is handled, check is sorted out and coding method need be verified and amount in figures frame and amount in Chinese character field are compared, and OCR determines payment with use.These algorithms are also imperfect, and for example they may mistake be used as " 1 " with hand-written " 7 ".These are called as alternative mistake, and bank wishes these error rates are kept low as far as possible.Mistake occurring forces bank to keep human operator who to compare these amount of money by hand and to proofread and correct these mistakes.DOC image 140 produces from digital command, if therefore they have " 7 " of artificial type, they will obtain the image of " 7 " on digital cheque image.

In addition, DOC image 140 can be supported the electronics endorsement, as the stamp 160 and the Deposit Account Number 162 of " only being used for deposit " pattern.Payee's endorsement that this has covered the cheque image front or the back side does not add stamp and do not cover bank's project processing.The payee can use its " mankind " signature, its Bank Account Number to come check is carried out the electronics endorsement, and add as the phrase of " only being used for deposit " and endorse, usually this carries out on paper checks, but in this case, because they have the DOC file, so metadata produces these images for it.Use the EPS service features, these features can be automatically performed on the back side of cheque image.In addition, coordinate a plurality of payees' endorsement in a controlled manner easily,, satisfy the endorsement requirement of law or contract with at before payment and clearing the check of amortizing.

With " electronics endorsement " feature class seemingly, use metadata and other digital technologies, the recipient of any Banking sector or DOC can sign or endorse check automatically, to handle after depositing DOC in and to clear.This thought has covered bank's stamp, timestamp and the automatic tracking characteristics in DOC statement cycle.The project of following the tracks of and adding stamp comprises: when, in which way and to notify payee's project be NSF project etc. who cleared check.Since be numeral and based on metadata, EPS upgrades the index of auditing in the database of DOC history.Secondly, because DOC can utilize " image covering " notion, EPS can add numeral to the check back side and add the stamp layer.This is not the operation to existing image, but by providing " image coverings " layer to come one at a time each stamp of generation in its oneself image layer on the existing DOC back side of cheque image 146.Notice that when DOC created, the back side of DOC image 146 was the blank image at the check back side.The exclusive element of other of this feature is the thought that has the space of " more than one " signature when needing or use a plurality of endorsement, as third party's check of transferring in the shop.The back side of cheque image 146 only illustrates last signature, and other then are kept on the file with the metadata form, perhaps can add statement, says " signature is on file " and generation as required.If the bank that identical thought can be applied to DOC handles, and its " stamps " can the numeral interpolation, if if desired or do not have the space or stab mutual stack and will cause unintelligiblely, last stamp only is shown then.For example, in display, can keep nearest image, and every other image is on file.This feature also can be used for the reason that the NSF check is returned with the explanation project.Check 21 provides NSF to present again, but the present invention makes the back side of cheque image clear and legible, no matter carried out how many trials back and forth with cashing check.Another benefit is that it is always clear readable to add the stamp feature, does not therefore need " high-resolution " image at the check back side.

In another example embodiment, the present invention can comprise stub, and stub is hidden responsive requestee's data to the payee.This can be used for the DOC that the disbursement of payrolls scene is sent, and does not perhaps still comprise the paper receipts of the DOC of the number of the account of drawing it with the DOC purposes (amount of money, memorandum, data or the like) that lays down a definition.This counterfoil can comprise the GUID 156 that is used to follow the tracks of, and counterfoil can use " 800-che-ckme " checking notion identical with IRD, and promptly customer authentication information 158.Usually, the DOC counterfoil is used for non-RID deposit scene, is similar to the required content of direct deposit (ACH) scene, and wherein the disbursement of payrolls service need illustrate the proof of having carried out which kind of operation to the payee in the electronics mode.In addition, when you received DOC, the present invention can create and correctly prepare (on the amount of money accurately, etc.) digital certificate of deposits, promotes the long-range deposit notion of client.The feasible stub feature that deposits DOC and enhancing easily in of the certificate of deposits (DODS) in numeral source.

Bar code 154 can comprise UPC sign indicating number or PDF417 bar code (store transaction information) or USPS bar code street address (or payee's e-mail ID).This can be embedded on the DOC image 140, efficiently clears and handles to allow the IRD recipient.Scans I RD allows to catch the automation check information---the amount of money, who, what, GUID or Tx sign indicating number or the like.In addition, bar code 154 can be encoded to MICR line data, and therefore, project is handled and can be read reliable medium to carry out the MICR explanation.This allows the environment (retail shop, office, family etc.) of non-banking, no project disposal ability to handle IRD when they have bar code scanner, or alternatively, they can use GUID 156 that DOC is pushed into banking system to handle papery IRD.The present invention can also create the safety set of the feature of branding, has the visual representation of Padlock icon as on printed checks and so on.This also can illustrate observing the X9 standard.

With reference to Fig. 8, in another example embodiment of the present invention, can use plastics " credit card " form to make DOC become true cheque card (TCC).DOC cheque card 170 can be used to replace paper checks, credit card or debit card, and terminal 172 places buy in trade company point of sale (POS).POS terminal 172 is the common payment devices that are positioned at 174 places, various shop.The invention provides true " cheque card ", cheque card is a kind of plastic clip that is issued to the checking account holder, produces DOC when at POS terminal 172 places brush second or alternative magnetic stripe.In fact the Visa " cheque card " of known traditionally " cheque card " or branding carries out ATM or ACH debit transaction at cardholder account.Yet during second magnetic stripe, in fact DOC cheque card 170 has utilized DOC at brush, and produces to comprise by EPS 66 (POS terminal 172 is connected to EPS 66 by network 82) and produce all required metadata informations of DOC in interior message.Here, POS terminal 172 is appointed as the payee with trade company automatically.POS terminal 172 produces with trade company and obtains customization DOC message like the International Organization for Standardization classes of messages that bank network uses, to handle credit card or debit card transactions.Trade company's bank network routes to DOC message EPS 66 systems automatically, produces DOC and immediately it is deposited in the bank account of trade company then.This TCC swipe the card one the step finished the payment and the deposit.

This mechanism can require to create new ISO card form or message, and the second enhancing magnetic stripe on the card, so that existing switching network can be cleared these " cheque cards " transaction.Check certificate and checking also can be used in combination with this system." message " is used in combination with ATM or ACH network if swipe the card, and then payment can Instant Transfer.Also can produce the DOC check that obtains POP or ARC immediately or handle as the ACH project.This route will be longer than ATM, but faster than conventional checks.Also can use DOC " file appending feature " to come the pooled marketing receipt.Can allow trade company to receive check easily as from client's payment like this, this is not a debit card, but produces DOC and to the true cheque card of the instruction (having POS terminal 172 to add) of trade company's payment when swiping the card.Cheque card 170 is known cheque number that whether checking account ID and smart card can remember remaining sum, last time and send, Public Key Infrastructure (PKI) certificate or the like.To send DOC very fast by swipe the card 170 in POS terminal 172, because not from the delay of hand-written check, this has accelerated the checkout circuit, and is safer, and the deposit feature of the payment and the enhancing of lower cost is provided for trade company.

In addition, TCC 170 can comprise traditional upc bar code, efficiently to settle accounts via scanning at 174 places, various shop.The UPC sign indicating number can be eliminated by the client and " write " check and the delay that causes at checkout counter.For example, can scan true cheque card 170, so POS terminal 172 knows requestee's accounts information, and establishment can be paid the bill to the DOC in shop 174 automatically at the UPC sign indicating number on the plastic clip rather than second magnetic stripe.UPC sign indicating number sign DOC account, and owing to read/the ability whole world of scan code is available but useful, the most of POS of trade company terminals 172 do not need its terminal of swiping the card of upgrading to support enhancing DOC on the TCC magnetic stripe of swiping the card as food supply retail shop.This conception of species has been utilized a kind of similar thought, wherein the PDF417 bar code is placed on the IRD, but this form uses UPC that the scanning compatibility of broad is provided, and carries out easily check writing (DOC generation) fast automatically, even checkout lanes does not have the debit card machine for punching the card.

With reference to Fig. 9, in example embodiment of the present invention, flow chart has been illustrated to produce at the DOC at POS mechanism 200 places.Here, comprise the second standard ISO track (comprising requestee's metadata) by brush and come to produce DOC at trade company POS equipment place at interior credit card, this DOC is handled by EPS, and the banking system 40 that runs through Fig. 3 is paid in the electronics mode.At first, the requestee came " to draw " DOC check (step 204) from its DDA bank account by its DOC cheque card being brushed POS equipment.Create DOC via merging, and prop up to fetch as effective UCC of electronic form and send DOC in the requestee at EPS place and payee's metadata.Use according to set such as condition, restriction, constraint, affirmation, Client-initiated pays the bill and creates DOC to someone instruction of (being the payee), certain amount of money value.These instructions are stored in the database---and for example numeral is paid file (DPF).These digital commands are used to create perfect digital check, do not need paper checks to create these instructions, and do not have papery origin or scanning.

Requestee's bank provides traditional ATM or debit card to the requestee, but has supplementary features, and it has two magnetic stripes (step 202) at the back side of card.A brush bar is used to produce traditional ATM or debit card, and another brush bar is used to produce DOC and clears DOC (step 206) by normal clearing house process.Because the DOC payment is handled or " clearance " by banking system 40, each DOC file can be placed into Standard Bank clearing house cash letter file (X9.180 standard) and other check projects (i.e. numeral image that create or paper scanning) " binding " subsequently, and with electronics mode and the exchange of other banks.Current, all traditional images exchange clearing house mechanism are supported the exchange of Check 21 image files, comprise Federal Reserve System, ViewPointe, New York clearing house and other EPCH systems etc.In addition, the X9.37 image file is as " received form " in many privately owned both sides (bank is to bank) image exchange agreement.For example, image file can directly be intercoursed with the X9.37 form according to privately owned clearing agreement by bank (as Wachovia and Bank of America-National Trust ﹠ Savings Association).Finally, DOC clears by the clearing bank, and to BOFD (step 208), and DOC image (step 210) is used in the clearing bank in requestee's monthly statement with transfer of financial resources in the clearing bank.

Except that the website, (being that EPS can have multiple input form) be caught or be produced to traditional DOC payment instruction or metadata can with variety of way or method that electronic fare payment system is realized.Trade company can be by producing metadata to its POS equipment input information, perhaps metadata can be stored in the swiping card equipment in advance, perhaps, conventional I SO Message Processing to the trade company of credit card network provides by being obtained taker, or by family or the PC of office software application, as the Quicken of Intuit, Microsoft Money or other book keeping operation software programs.In addition, the present invention expects producing DOC by support via the automatic software program or via data importing/derivation (utilizing open financial exchange (OFX) form of industry standard and other similar data file standards etc.), thereby does not have the option that human user is intervened.Software program can use in the payment data storehouse or in the OFX file canned data produce prearranged DOC payment, and, in case handled by EPS, the DOC file that obtains directly is sent to the business scenario that banking system is used for disbursement of payrolls or the automatic payable type of account.

The present invention also expects having the whole world of the DOC of the automatic conversion of the ready-made with no paper check in the whole world and translation feature and uses.Create (as on the internet) because DOC is an electronics, it is sent to easily Anywhere and can be converted to native language and currency immediately.DOC can use digital technology, be provided with and the currency setting as Unicode character string, UMT (full time tracking), human language translation software service, client-side computer " scene ", make DOC can show (given one group of transition translation device---USD to the local currency exchange rate add many native languages of English translater) with any native language and currency.Although show it is local, the metadata in the computer system continues to remain English (or source language), and, keep check the complete audit index/history of process, comprise current state, language, the amount of money/value of following the tracks of in the world.This makes DOC become a kind of global check form, and for example, DOC can send and fill in Japanese with yen, and it can be received with sterling and English by the payee.This conversion dynamically takes place to the original DOC that opens certificate in original bank.When in scene is transferred accounts in the world, using, can create again and open in different banks according to DOC.The DOC that the original U.S. is created deposits foreign bank in, then, the request EPS of this bank should use local standard to produce new local DOC, this new DOC by this bank open voluntarily according to and submission/endorsement to original payee (with electronics mode or local printing on its papery standard).

In another example embodiment of the present invention, DOC can be as the UCC draft of credit transportation list (LOC) or other types.Because DOC is an electronic payment instruction, these instructions can be used for credit transportation list (another kind of UCC draft) or draft and check.One of selection when creating " payment instruction " is to create check or draft or " credit transportation list ".During as selection LOC and by some assets covers, the third party that EPS 66 can be included in before the payment preserves the set that the contract conditioned disjunction requires.The LOC feature also is tied to " whole world " ready-made inventive features (DOC easy to use carries out international payment and transfers accounts) of DOC EPS method.The ready-made invention in the DOC whole world comprises following feature: as the check metadata is translated as alternative human language, with automatic many currency conversion fixing or the dynamically exchange rate and utilize payee described herein or the native language of deposit-taking institution's regulation and submission feature or requirement.It is a kind of by the method that is worth that all these features become DOC, is used for providing and protects in international business's payment and be worth transfer mechanism and credit transportation list that method is utilized.

In another example embodiment of the present invention, DOC can have optional " control " metadata, comprises that contract administration accepts, also can utilize before discharging payment the third party who transports and pay affirmation to preserve contract maintenance and release conditions or additional data is attached to payment (comprise invoice, transport and instruct or return authorization mechanism).Note, realize that these are because each DOC payment can comprise the state all the time of monitoring pay status (send, accept, clear or settle accounts) by in the conditioned disjunction contract feature some, allow EPS clearance and settlement method to accept or refuse the processing of DOC.These " clocks on the DOC " allow real-time tracking and contract carry out (as " losing efficacy after 1 hour ") must in 24 hours, settle accounts (to minimize the monetary exchange rate risk) or must be in 2 days reception project (to be used for to receive FedEx type overnight wraps up be that condition discharges payment).

In another example embodiment of the present invention, can provide additional every project security feature to DOC, these features current on the traditionally on paper check inconvenience carry out.Its example comprises: the privately owned PIN number of every DOC project (for example 6 digit numeric codes), can be sent to the payee or use alternative transfer approach to be sent to the payee by EPC by the requestee, as meeting, be sent to payee, telephone conversation or voice mail, electronic notification (comprising fax, Email, text message or instant message) from the requestee with the PIN number is oral face to face.Can before discharging payment, the payee need the payee to import this PIN number at EPS, as one of condition of DOC payment.On DOC, added security be can provide, secure digital hash and signature (using PKI) and the bar code of transaction ID comprised to handle automatically with coding.Finally, have automatic payment certain database and allow the requestee to control issue and the clearance of DOC easily, unlike paper checks, must and wish not liquidated as yet manually " non-payment " method of carrying out of this project by calling bank.Use the combination of " on the DOC all the time " and PPD, requestee oneself can verify at given payment, keep or non-payment whether feasible, thereby reduce the risk of bad paying by check.

The check of paper source (POC) has covered following thought: use its off-the-shelf item to handle department's reader/ranker image conversion equipment and catch the paper checks image and use the bank of OCR to create required DOC metadata to create equivalent DPF record.Therefore, use existing process, if paper scanning bank uses its equipment that the DOC metadata is sent to EPS, then can utilize DOC and EPS benefit.Can use PC software to revise or expand the existing IBM 3890 of bank,, create DOC according to this fact then to extract data from check (POC) towards paper via COR.This allows older banking system to be integrated into EPS, to utilize whole benefits of Check 21 and exclusive DOC feature.Creating DOC from the paper checks of scanning needs OCR and amount of money checking, identifies the payee and use the OCR of MICR line data to identify the requestee.Real image can and exist in the DOC file, but main points be, create " digital payment instruction " notion from the paper of scanning as the core of DOC real meaning.In case have the DOC form, bank produced every other benefit.The problem of POC to DOC can comprise that additional human intervention verifies OCR data or error checking.In case EPS has the OCR data among the DPF, it can produce the new cheque image that has than the original better picture quality of paper scan image that comprises (still less noise, nothing tilt or the like) again.

Another example embodiment of the present invention has illustrated the enhancing IRD ability that DOC and EPS promote.When IRD was created by long-range big capacity IRD print facility, they can be printed on the special IRD paper making raw material that comprises magnetic stripe.This magnetic stripe can be used for all DOC metadata are encoded, and comprises GUID, the amount of money, data, payee or the like.Scanning magnetic strip also transmits into EPS with the data that obtain and allows bank to carry out IRD automatically to handle.This thought is similar to the critical point of boarding of the aviation with the magnetic stripe that is used for clearing automatically during the passenger boards process.

Another example embodiment of the present invention has illustrated that DOC and EPS can be provided for the enhancing fail safe that IRD handles and cashes.This characteristic set can be called as the enhancing safety method that is used for IRD, comprises the anti-fake feature of making, and strengthens verification method, prevents swindle or secondary deposit.Use existing C heck 21 IRD standards, allow EPS to expand this form (have living space and be used for optional part), wherein EPS can add new notion to IRD, as: the instruction of calling out 1-800-che-ckme, being used for client or teller calls out bar code on IRD self-service checking, the check (PDF417, or United States postal service-USPS) is used for check " drawn " and returns BOFD, or secure hash, or other ID verification msgs on sender or the recipient.Note, the 800# checking can be tied to existing check publisher's powerful " brand name ", allow higher customer recognition degree and to IRD publisher trust---known check publisher's example comprises Deluxe or Harland, thereby the IRD that avoids easily using the ACME IRD branding notion of Joe to cheat.800 self-examination services can be subscribed to by EPS member bank, and use phone to touch sound and squeeze into its number of the account and sign indicating number, then are DOC IRD GUID values.EPS uses this information to verify that at first bank is genuine, yet secondly searches this DOC in DPF.Then, the interactive voice response of EPS (IVR) service tells that user DOC IRD is genuine, and tells the user that who should be payee's (aided verification feature of this 800# service) alternatively.Bar code can be used for this process of automation---as long as scan it, bank cashier can avoid IVR to touch the sound data input step.Perhaps, bank cashier can use the website to import GUID or Tx ID and verify IRD.In order to attempt with fraud system and to amortize or cash DOC, the robber must be able to produce effective global unique identification symbol (GUID) or safe DOC transaction id and cheque number.Given input to these algorithms, outside adulterator is difficult to produce again them and also creates them with the false DOC that attempts depositing in.Therefore, EPS and safety and verification method can be eliminated false IRD problem.This condition that industry is expected is: digital video editing person that any appropriateness is skilled or Photoshop user edit existing standard (being non-DOC) IRD image so that it can oneself be paid the bill to them.Because the hacker uses Photoshop can create effective Check 21 images, therefore existing Check 21IRD thought a little less than.By this IRD safety method, DOC does not have this Check 21 weakness.GUID or Tx ID will be used for its be received be used for the deposit before verify IRD.This method can be used with the service for checking credentials of 1-800-Che-ckme phone.Because IRD is the papery project that strengthens, comprise the 2D bar code and be used to call out the instruction of 1-800 number to verify, EPS can be reduced in the possibility of the wrong or swindle that first deposit bank (BOFD) locates.In other words, use DOC and EPS method, when using electronically validating method (the 1800che-ckme telephone number is called out the IVR system) when verifying DOC, BOFD can have stronger confidence, and EPS IRD is legal.Compare with traditional C heck 21 projects, by the confidence of enhancing is provided to BOFD, this feature has reduced the responsibility when receiving DOC/IRD.EPS allows sometimes to present/to observe and know more audit index and custodial responsibility chain clearly in institute, thus raising check confidence level.

Another example embodiment of the present invention has illustrated the notion that produces IRD not from the papery project from the DOC metadata via EPS.Can print DOC to create IRD or paper checks.Numeral cheque image and DOC metadata are applied to IRD layout and X9.140 standard to create effective Check21 project.Traditionally or by convention, IRD can only create by the scanning paper checks, and this project has covered DOC metadata and conversion or the conversion (mode of with scanner being carried out different) of image to the IRD form.EPS does not scan the papery project creates IRD, and DOC has the IRD of metadata driven.

With reference to Figure 10, illustrated to show the card positive 302 and the back side 304 by true cheque card 300 according to illustrated embodiments of the invention.As described here, cheque card 300 can be used for automatically creating the DOC that the mechanism described for 21 times according to Check is handled here in the POS end.Advantageously, this provides a kind of true cheque card to the client, rather than based on ACH or other cards based on debit.Card positive 302 comprises number of the account 310, holder name 312, Expiration Date 314.Card backside comprises two magnetic stripes 320,322 and signature boxes 324.Two magnetic stripes 320,322 are included in the POS end in response to the data of swiping the card 300 operation and receiving.Here, one of magnetic stripe 320,322 can comprise and create the metadata that DOC is associated, and another can comprise the normal data from atm card or credit card.Particularly, card 300 can provide two services, i.e. DOC cheque card and atm card or credit card.Alternatively, card 302,304 can comprise UPC sign indicating number or the PDF417 bar code that is used for alternative " swiping the card " method, is not used in generation and swipes the card and be used to have the DOC of the POS terminal equipment of scan function.

Although illustrate with reference to preferred embodiment and concrete example thereof here and described the present invention, to those skilled in the art apparently, other embodiment and example can be carried out similar functions and/or realization similar results.All this equivalent embodiment and example and should be covered by claims within the spirit and scope of the present invention.

Claims (19)

1. one kind is propped up ticket method with no paper at all, comprising:

(a) receive guarantee that is applicable to first deposit bank and clearing bank and the acceptance of compensating set from the requestee, wherein, described guarantee and reparations set make check create, to exchange and to clear in the electronics mode between requestee and payee and by first deposit bank and clearing bank, and, described guarantee and reparations set make the requestee can be in the electronics mode to payee's remittance and check that the numeral source is provided as check;

(b) payment instruction of reception from the requestee to the payee, wherein, described payment instruction is obeyed described guarantee and reparations set;

(c) catch the metadata that is associated with the check in described numeral source, wherein, the check in described numeral source is not had the legal check created under the situation of original paper check when the payee accepts described guarantee and compensates by the requestee, and described metadata comprises described payment instruction, global unique identification symbol, trace information and security information; And

(d) carry out following one or more operations:

Immediately with the described digital advice of drawing payee who originates; And

After a while with the described digital advice of drawing payee who originates;

Wherein, can carry out interoperability with the eCheck system for settling account that is associated with papery and electronics liquidation method from the output of described metadata; And

Wherein, described step (a) to (d) realizes on computer server.

2. with no paper ticket method according to claim 1 also comprises:

(e) payee is authenticated;

(f) from the acceptance of payee's reception to described guarantee and reparations set; And

(g) carry out one of following operation:

Described metadata is transmitted to described first deposit bank as electronic cash transportation list file electronics; And

Print substitute checks according to described metadata;

Wherein, described step (e) to (g) realizes on computer server.

3. with no paper ticket method according to claim 2, wherein, described security information is used to prevent described payment instruction and described substitute checks are distorted.

4. with no paper ticket method according to claim 2 also comprises:

(h) check to described numeral source carries out the electronics endorsement;

Wherein, described step (h) realizes on computer server.

5. with no paper ticket method according to claim 1, wherein, described payment instruction comprise following each: condition, restriction, the affirmation that retrains and have ready conditions, described having ready conditions confirms to comprise the business rules of managing payment clause.

6. with no paper ticket method according to claim 1, wherein, described trace information is used to provide the audit history of described digital check of originating.

7. with no paper ticket method according to claim 1, wherein, described security information comprises by the Personal Identification Number of requestee's definition, is used for the safe retrieval that the payee carries out.

8. with no paper check system comprises:

(a) data storage, comprise meta data file, wherein, described meta data file is associated with the check in numeral source, the check in described numeral source is not had the legal check created in the electronics mode under the situation of original paper check when the payee accepts to assure and compensates by the requestee, and described meta data file comprises payment instruction, global unique identification symbol, trace information and security information;

(b) network interface is connected to described data storage;

(c) processor is connected to described network interface and described data storage, and wherein, described processor is configured to:

(i) receive the acceptance of assuring and reparations is gathered from the requestee;

(ii) receive payment instruction from the requestee;

(iii) use from requestee's payment instruction and create described meta data file;

(iv) produce the global unique identification symbol and distribute described global unique identification symbol to described meta data file;

(v) the meta data file that will be associated with the check in described numeral source is notified the payee;

(vi) follow the tracks of the check in described numeral source, and use the audit history of the check in described numeral source to upgrade described meta data file; And

(vii) authenticate the check in described numeral source;

Wherein, described guarantee and reparations set make check create, to exchange and to clear in the electronics mode between requestee and payee and by first deposit bank and the clearing bank that are associated, and, described guarantee and reparations set make the requestee can be in the electronics mode to payee's remittance and check that described numeral source is provided as check; And

The output of described meta data file can be carried out interoperability with the papery and the electronics liquidation method that are associated with the eCheck system for settling account.

9. with no paper check system according to claim 8, wherein, described processor also is configured to:

(viii) authenticate the payee who is associated with described meta data file;

(ix) from the acceptance of payee's reception to described guarantee and reparations set; And

(x) carry out one of following operation:

Described meta data file is transmitted to described first deposit bank as electronic cash transportation list file electronics; And

Print substitute checks according to described meta data file.

10. with no paper check system according to claim 9, wherein, described security information is used to prevent described payment instruction and described substitute checks are distorted.

11. with no paper check system according to claim 9, wherein, described processor also is configured to: the check of described numeral being originated based on payee's input carries out the electronics endorsement.

12. with no paper check system according to claim 8, wherein, described payment instruction comprise following each: condition, restriction, the affirmation that retrains and have ready conditions, described having ready conditions confirms to comprise the business rules of managing payment clause.

13. with no paper check system according to claim 8, wherein, described trace information is used to provide the audit history of described digital check of originating.

14. with no paper check system according to claim 8, described security information comprise by the Personal Identification Number of requestee's definition, are used for the safe retrieval that the payee carries out.

15. a true cheque card method comprises:

The cheque card that comprises magnetic stripe is provided, and wherein, described magnetic stripe comprises requestee's metadata and is used for being read by point of sales terminal;

In described point of sales terminal, receive described cheque card to fulfil the payment obligation;

Read the metadata on the described cheque card;

Use described metadata and payment instruction to create the check in numeral source, wherein, described payment instruction derives from described payment obligation and point of sales terminal, the check in described numeral source is not had the legal check created in the electronics mode under the situation of original paper check when the payee accepts to assure and compensates by the requestee, and described meta data file comprises described payment instruction, global unique identification symbol, trace information and security information;

Wherein, described trace information is used to provide the audit history of described digital check of originating; And

Wherein, the output of described meta data file can be carried out interoperability with the papery and the electronics liquidation method that are associated with existing cheque clearing system.

16. true cheque card method according to claim 15 is further comprising the steps of:

Send metadata in the electronics mode to first deposit bank; And

The payment of described payment obligation is fulfiled in reception.

17. true cheque card method according to claim 15, also following steps:

Before authorize selling, the account that is associated with described metadata by verification system validates.

18. true cheque card method according to claim 15, wherein, described cheque card comprises the guarantee that is applicable to first deposit bank and clearing bank and the full set of reparations, the full set of described guarantee and reparations has realized the electronics submission from the requestee to the payee, as the requestee between the payee and by first deposit bank that is associated and the eCheck of clearing bank.

19. it is one of following that true cheque card method according to claim 15, described cheque card also comprise: credit card, ATM card and combination thereof.

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