Abstract: A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.

Abstract: A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.

Abstract: A method of executing an electronic financial transaction involving two parties providing information for generating a transaction document and authorizing the document to execute the transaction. The method contemplates the maker electronically transmitting a data record representative of the financial transaction directly to a payee, such as by email. The payee can then convert the data record into a transaction acceptable to a bank of first deposit, such as by printing or imaging the data record into a form acceptable to the bank, such as a standard paper check.

Abstract: A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.

Abstract: A system and method for identifying and validating indicia representative of at least one of a document and a transaction and a set of data by an originating party involves at least one of a document and a transaction and a set of data having at least one information item original to the at least one of a document and a transaction and a set of data. An identifier representative of the at least one information item original to the at least one of a document and a transaction and a set of data is generated. The integrity of the integrity of the at least one of a document and a transaction and a set of data is validated by using the identifier to determine whether at least one information item of the at least one of a document and a transaction and a set of data has not been altered from the at least one information item original to the at least one of a document and a transaction and a set of data.

Abstract: A system and method for identifying and validating indicia representative of at least one of a document and a transaction and a set of data by an originating party involves at least one of a document and a transaction and a set of data having at least one information item original to the at least one of a document and a transaction and a set of data. An identifier representative of the at least one information item original to the at least one of a document and a transaction and a set of data is generated. The integrity of the integrity of the at least one of a document and a transaction and a set of data is validated by using the identifier to determine whether at least one information item of the at least one of a document and a transaction and a set of data has not been altered from the at least one information item original to the at least one of a document and a transaction and a set of data.

Abstract: A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.

Abstract: A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.

Abstract: A computer system for securing communicating information, such as electronic payment address information, between payors and payees and for processing electronic payments. The system providing a third party service that can aggregate verified payee information over a plurality of transactions to increase the safety of electronic payments.

Abstract: A method of executing an electronic financial transaction involving two parties providing information for generating a transaction document and authorizing the document to execute the transaction. The method contemplates the maker electronically transmitting a data record representative of the financial transaction directly to a payee, such as by email. The payee can then convert the data record into a transaction acceptable to a bank of first deposit, such as by printing or imaging the data record into a form acceptable to the bank, such as a standard paper check.

Abstract: A method of executing an electronic financial transaction involving two parties providing information for generating a transaction document and authorizing the document to execute the transaction. The method contemplates the maker electronically transmitting a data record representative of the financial transaction directly to a payee, such as by email. The payee can then convert the data record into a transaction acceptable to a bank of first deposit, such as by printing or imaging the data record into a form acceptable to the bank, such as a standard paper check.

Abstract: A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.

Abstract: A method of executing an electronic financial transaction involving two parties providing information for generating a transaction document and authorizing the document to execute the transaction. The method contemplates the maker electronically transmitting a data record representative of the financial transaction directly to a payee, such as by email. The payee can then convert the data record into a transaction acceptable to a bank of first deposit, such as by printing or imaging the data record into a form acceptable to the bank, such as a standard paper check.

Abstract: A system and method for identifying and validating indicia representative of at least one of a document and a transaction and a set of data by an originating party involves at least one of a document and a transaction and a set of data having at least one information item original to the at least one of a document and a transaction and a set of data. An identifier representative of the at least one information item original to the at least one of a document and a transaction and a set of data is generated. The integrity of the integrity of the at least one of a document and a transaction and a set of data is validated by using the identifier to determine whether at least one information item of the at least one of a document and a transaction and a set of data has not been altered from the at least one information item original to the at least one of a document and a transaction and a set of data.

Abstract: A system and method for authenticating records. Certification information may be encoded in graphical form. This graphical form, or design, may be referred to as an “Indicia.” The record at issue may be printed out by a computer or stored electronically and bear on it an indicia that relates to the authenticity of the document. The indicia (and record) may then be scanned and interpreted by the computer to authenticate the record.

Abstract: A system for authenticating records without reliance upon a trusted third party. A first server provides a sequential series of certifications associated with discreet, non-overlapping time Intervals. The server can provide selected information to a second server which, in turn, incorporates the request and associated information in a cross-certification. The cross-certification is then provided to more other servers. Accordingly, a “chain-mail” of certifications among a variety of servers is provided. The system thus provides effective protection against a breach of security in any one server, resulting in increased reliability in the authentication of records.

Abstract: A system and method for authenticating records. Certification information may be encoded in graphical form. This graphical form, or design, may be referred to as an “Indicia.” The record at issue may be printed out by a computer or stored electronically and bear on it an indicia that relates to the authenticity of the document. The indicia (and record) may then be scanned and interpreted by the computer to authenticate the record.

Abstract: A system and method for authenticating records. Certification information may be encoded in graphical form. This graphical form, or design, may be referred to as an “Indicia.” The record at issue may be printed out by a computer or stored electronically and bear on it an indicia that relates to the authenticity of the document. The indicia (and record) may then be scanned and interpreted by the computer to authenticate the record.

Abstract: A system for authenticating records without reliance upon a trusted third party. A first server provides a sequential series of certifications associated with discreet, non-overlapping time Intervals. The server can provide selected information to a second server which, in turn, incorporates the request and associated information in a cross-certification. The cross-certification is then provided to more other servers. Accordingly, a “chain-mail” of certifications among a variety of servers is provided. The system thus provides effective protection against a breach of security in any one server, resulting in increased reliability in the authentication of records.