Electronic virtual checks
OwnerRichard Loveinventor
Life of this patent
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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.
Claims18
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 person-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.
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 person-to-business electronic virtual check by:
- receiving a check image by converting a written paper check into an electronic virtual check using a home scanner or a mobile device's camera and a mobile phone application;
- merging the check payment information with the uploaded check image to create an electronic virtual check image;
- and
- sending a link to the electronic virtual check image to a Payee.
A method for causing a computing device to create and deliver a person-to-person electronic virtual check, comprising:
- receiving a check image by converting a written paper check into an electronic virtual check using a home scanner or a mobile device's camera and a mobile phone application;
- merging the check payment information with the uploaded check image to create an electronic virtual check image;
- and
- sending a link to the electronic virtual check image to a Payee.
A method for causing a computing device to create and deliver a person-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 a link to the electronic virtual check image to a Payee.
Dependencies are inferred from the claim text.