SECURE INTERNET eCHECK ©™
AUTOMATED ELECTRONIC:
    CHECK VERIFICATION
    AUTHENTICATION CODE ISSUANCE
    DIGITAL SIGNATURE AUTHORIZATION
    ACH DIRECT DEBIT TRANSACTION

FAQ:   What is an  SECURE INTERNET eCHECK ©™?   

ANSWER:     An on-line, real-time Electronic Funds Transfer (EFT) Direct Bank Debiting. 

FAQ:   How is the SECURE INTERNET eCHECK ©™ different than other types 'Web Checks'?

ANSWER:      No paper check or unsigned draft instrument is necessary, generated, printed, mailed, tendered or involved.  The SECURE INTERNET eCHECK ©™ system is completely automated and electronic.

FAQ:  How exactly does the    process work?

ANSWER:      The SECURE INTERNET eCHECK ©™ system and process is described and is also set forth in the flow chart graphic below:  

1.    After completing the Web Browser based Order Form, the Purchaser's Web Browser is transferred into the  Secure Socket Layer (SSL) Verisign ® Encrypted Web Site which is an Internet Service Provider (ISP), Value Added Network (VAN), Inter-networking, Host-based, Auto-release Internet Transaction Processor.

2.    The Purchaser then enters information sufficient for the  proprietary databases to reasonably identify and communicate with the Purchaser. 

3.    The Purchasers then is issued via the confirmed e-mail address, an   Authentication Code for entry in the SECURE INTERNET eCHECK ©™ Form as a "Digital Signature" .

4.    The Purchaser opens the e-mail containing the Authentication Code, copies the Authentication Code from the e-mail and pastes it into the SECURE INTERNET eCHECK ©™ On-line Payment Form displayed on the Web Browser. (The Payee's Name, The Payor's Name, The Dollar Amount of the Purchase,  and the Memo Line Information are already automatically filled from the data captured from the On-line Order Form.)

5.    The Purchaser then opens to the next available Check which would normally be issued in the Purchaser's Check Book. (and for good record-keeping purposes, should write VOID across this Check or otherwise denote an ACH Debit Entry.)

6.    The Purchaser then enters the required Checking Account data into the SECURE INTERNET eCHECK ©™  On-line Payment Form: the Check Number,   Checking Account Number,  9 digit ABA Bank Transit Routing Number and Bank Name.  See the example:

7.    By pressing the SECURE INTERNET eCHECK ©™ On-line Payment Form "Submit Button" containing the issued Authentication Code which is a Digital Signature, the Purchaser has authorized a Direct Debit to the designated Bank Account for this transaction only.

8.    The Checking Account is then instantly submitted to the scrutiny of the Shared Check Authorization (SCAN) and other proprietary databases regarding Checking Accounts.

9.  If the subject Checking Account passes the scrutiny of the Checking Account Databases, SCAN issues a Verification Number to the detailed SECURE INTERNET eCHECK ©™  Confirmation Receipt Form to the Web Browser and to the Purchaser's e-mail address.   (If the Checking Account cannot be Verified, the Web Browser will display and an e-mail will be transmitted to the Purchaser with a Declined Transaction Number and a Toll Free Number to contact for further information)

10.    On a Verified Checking Account, an ACH Debit Entry is thereafter automatically submitted at the ACH Third Party Processor Host System,  which Directly Debits the bank account of the Purchaser / eCheck Writer / Maker / Payor / "Receiver"  and thereafter (4 banking days in lieu of Returns attributable to next banking cash credit)  Directly ACH Credits the bank account of the Seller / eCheck Recipient / Payee / "Originator".   

11.    Transaction confirmations are generated via to both:
                (a)       The Purchaser via Web Browser and via e-mail; and to
                (b)       The Seller / Merchant both receive essential transaction information confirmations of the transaction  via e-mail.

12.    transfers the Purchaser's Web Browser back to the Seller / Merchant's Web Site or to any other designated URL.

13.     The entire SECURE INTERNET eCHECK ©™ process takes on average 8 to 15 seconds.

14.    The Purchaser / eCheck Writer / Maker / Payor / Receiver  and the Seller / Payee / Originator both receive confirmations of the Debit Entry and Credit Entry and on their respective Bank Account    statements.