Check based electronic payment system and procedures for issuing, transferring, paying and verifying electronic checks.

摘要

The invention relates to the field of information technology, especially electronic system and currency circulation program, and can be used to solve the problem of real-time settlement between participants of electronic payment system. In this regard, it was pointed out that electronic payment system is an important tool. In this case, similar monetary funds in the proposed invention are electronic bearer bank checks that meet the requirements of banking regulations and applicable laws. User application units are listed as module groups by user country category.Determined by the client and server application authorization unit, it provides a set of pre-set parameters for the circulation of each type of check. When the check is issued, it also produces documents with legal effect and reflects the transaction in the check register.