Electronic virtual checks
OwnerRichard Loveinventor
Life of this patent
Estimating the term…
Abstract
Systems and methods are provided for causing a computing device to create and deliver a person-to-person, person-to-business, business-to-business, or business to person electronic virtual check, by: receiving check payment information from a Payor sent using a mobile phone application; merging the check payment information with a next check image to create an electronic virtual check image; and sending the electronic virtual check image to a Payee.
Claims24
A non-transitory computer readable medium having computer executable program code embodied thereon, the computer executable program code configured to cause a computing device to create and deliver a business-to-business electronic virtual check by:
- receiving an uploaded check image from a Payor, wherein the uploaded check image comprises an image of a paper check scanned into a computer by the Payor and uploaded to an electronic virtual check Payment Platform;
- and
- sending a link to the electronic virtual check Payment Platform to a Payee.
A non-transitory computer readable medium having computer executable program code embodied thereon, the computer executable program code configured to cause a computing device to create and deliver a business-to-business electronic virtual check by:
- receiving check payment information from a Payor sent using a mobile phone application;
- merging the check payment information with a next check image to create an electronic virtual check image;
- and
- sending the electronic virtual check image to a Payee.
A non-transitory computer readable medium having computer executable program code embodied thereon, the computer executable program code configured to cause a computing device to create and deliver a business-to-business electronic virtual check by:
- receiving check payment information from a file of payments generated by a computer accounting system;
- extracting individual payment information from the file;
- merging the check payment information with a next check image to create an electronic virtual check image;
- and
- sending the electronic virtual check image to a Payee.
A method for causing a computing device to create and deliver a business-to-business electronic virtual check, comprising:
- receiving an uploaded check image from a Payor, wherein the uploaded check image comprises an image of a paper check scanned into a computer by the Payor and uploaded to an electronic virtual check Payment Platform;
- and
- sending a link to the electronic virtual check Payment Platform to a Payee.
A method for causing a computing device to create and deliver a business-to-business electronic virtual check, comprising:
- receiving check payment information from a Payor sent using a mobile phone application;
- merging the check payment information with a next check image to create an electronic virtual check image;
- and
- sending the electronic virtual check image to a Payee.
A method for causing a computing device to create and deliver a business-to-business electronic virtual check, comprising:
- receiving check payment information from a file of payments generated by a computer accounting system;
- extracting individual payment information from the file;
- merging the check payment information with a next check image to create an electronic virtual check image;
- and
- sending the electronic virtual check image to a Payee.
Dependencies are inferred from the claim text.