Patent ID: 7774269

Claim:
A future financing method comprising: receiving two or more payment vouchers at a point of sale by a merchant for goods or services by a presenter of said two or more payment vouchers before delivering said goods or services wherein said two or more payment vouchers comprise a first payment voucher to be processed on a first date and a second payment voucher to be processed on a second date, wherein said second date is after said first date and wherein said presenter has traditional credit history that is insufficient to qualify for an equivalent cash instrument or credit vehicle wherein said traditional credit history comprises a credit report and wherein said two or more payment vouchers are not backed by sufficient funds to purchase said goods or said services outright at time of said accepting said two or more payment vouchers; accessing a payment voucher history database coupled with a computer; accessing from said computer a positive payment voucher writing history from said payment voucher history database wherein said positive payment voucher writing history comprises one or more positive characteristics associated with said presenter chosen from a high cash value of payment vouchers written by said presenter, an age of an account associated with said presenter, an age said presenter, a ZIP code of a location where said receiving said two or more payment vouchers at said point of sale from said presenter occurs; verifying the positive payment voucher writing history associated with said presenter; accepting said two or more payment vouchers from said presenter on said verifying said positive payment voucher history without relying on said credit report; selling said two or more payment vouchers by said merchant to a check guarantee entity; and, receiving full payment minus a service charge before said second date for said goods or services from said check guarantee entity by said merchant upon said selling of said two or more payment vouchers to said check guarantee entity wherein said check guarantee entity receives payment from said two or more payment vouchers at said first date and said second date that occurs after said first date.