| 摘要 |
The present invention includes a merchant computing system that recognizes a wireless device, such as, for example, a wireless transponder, and converts the presentation of the wireless device into transaction requests for electronic debits to a checking account. The merchant computing system-enrolls users who provide MICR data identifying their checking account, and whose risk assessment falls within predetermined enrollment parameters. Moreover, the merchant computing system accepts those transactions which also fall within predetermined transaction parameters.
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