US Patent 8374963 Method and system for electronic checking

Methods and systems for electronic checking are described. A graphical representation of an electronic check may be provided for presentation to a providing user from which an electronic funds transfer may be initiated. The electronic check may be generated when desired. A payment date selection may be received for an electronic check on a date within the electronic account register and the electronic check may be indicated for the particular date in the electronic account register. The electronic check may be received and associated with a receiving user. An estimated charge for an actual charge may be replaced in the electronic account register in accordance with analyzing one or more actual charges.