Abstract: A method apparatus and article of manufacturing for using a computer to electronically clear and cash a check submitted to an on-line merchant from an on-line consumer by electronic means is provided. First, an input of check information submitted by a consumer by electronic means is accepted. Next the accuracy of the check information is verified and then is presented for clearing through the Federal Reserve's Automated Clearing House. Finally, the consumer's checking account from which the check was drawn is debited by the amount indicated in the check information and the merchant's account is credited by the amount indicated in the check information.

Abstract: A reusable closure is described which comprises an elongate member molded from a plastics material having memory. The member is formed with a reduced thickness live hinge line extending along its length and leg portions defined on opposite sides of the live hinge line which can be urged towards and away from each other between locked and released positions. An upstanding ear extending along the length of each leg portion has a locking portion adapted to releasably snap into locking engagement with a corresponding locking portion on the other ear in the locked position. Rounded areas join each ear to its respective leg portion. A packaging and storage system using such closures is described, and methods of making such closures by extrusion or injection molding are disclosed.