E-Check and E-Commerce

A method for transacting with an e-check, the method comprising:

• generating the e-check based upon an image of a check, to substitute for a check as payment for a transaction wherein the e-check includes the image;
• transmitting the e-check to a bank, wherein the back is identified by a routing number on the check;
• and
• receiving a response to transmission of the e-check from the bank, the response to clear the check when sufficient funds are available for the transaction from an account associated with the e-check.

An apparatus for generating an e-check, the apparatus comprising:

• an image scanner to create an image of a check in response to receiving the check as payment for a transaction;
• an input device to input an amount of currency represented by the check;
• a character scanner to scan the check to identify check information that describes a bank and a bank account;
• and
• an e-check generator to generate a negotiable instrument, wherein the negotiable instrument a check object based upon the image, the amount, and the check information wherein further the check object includes the image.

A machine-accessible medium containing instructions, which when executed by a machine, cause said machine to perform operations, comprising:

• scanning a check to create an image of the check in response to receiving a check as payment for a transaction;
• entering an amount of currency represented by the check into a point of sale terminal;
• identifying check information that describes a bank and a bank account, wherein the check comprises the check information;
• and
• generating a negotiable instrument, wherein the negotiable instrument comprises a check object based upon the image, the amount, and the check information, wherein the check object includes the image.