| 摘要 |
A service provider permits a user to set a digital check account for having digital checks issued therefrom and generated on the user device. The digital check bears a routing number, an account number, an account holder's name, a check amount, a signature of the user, and a payee's name. The digital check may be generated by a local user application on the user device via check information entered by the user and account information either saved locally in the user device or transmitted real time by the service provider. The digital check may be generated on the user device via a full interactive process after the service provider receives a digital check issuance request with a payee identifier and the check amount. The digital check may be issued from either the service provider's own account or an external account(s) the user has with a third party. |
| 主权项 |
1. A system of a service provider, comprising:
a memory storing account information for a user; and one or more processors in communication with the memory, the one or more processors being configured to:
maintain a digital check account for the user for issuing digital checks;generate a digital check based on a payment request of the user; andformat an image of the digital check for display on a user device of the user;wherein the image of the digital check indicates cheek information comprising a routing number, an account number, an account holder's name, a check amount, a signature of the user, and a payee's name, and wherein the image of the digital check is scannable by a device of the payee. |
