| 摘要 |
A computer-implemented information processing system that acts as an electronic or digital payment communications system is provided. The present invention enables a fax machine or scanning device to act as an electronic or digital payment communications system for making electronic payments in general, and specifically, Federal Tax Deposits. The system requires no technology at the point of use other than a fax machine or related device such as a scanner, and thus avoids a significant source of user resistance to using electronic payment methods. The inventive system also generates the receipt desired by small business taxpayers, and utilizes the existing Electronic Federal Tax Payment System (EFTPS) to make U.S. Federal tax payments. The system encompasses the formatting, communication, image processing, and transmission of payment instruction messages from the taxpayer (or more generally, payer) to EFTPS (receiving system) or other target payee system. The system also is capable of generating payment instructions to other electronic payment platforms beyond EFTPS, including Automated Clearinghouse (ACH), Automatic Teller Machine (ATM) networks, and Credit Card merchant systems, among others. |
