Patent ID: 7520420

Claim:
A system for electronically processing a check transaction involving a merchant, comprising: a point-of-sale device that receives user input as to a check transaction type and electronically converts a check, wherein the point-of-sale device is capable of generating a receipt and includes a plurality of stored receipt formats corresponding to one or more check transaction factors associated with the check transaction type including providing no receipt; a check processing service linked to the point-of-sale device to receive information about the converted check from the point-of-sale device and perform an authorization process on the check transaction such that the check processing service notifies the merchant via the point-of-sale device of an authorize or decline decision of the authorization process; wherein the point-of-sale device automatically determines, based on the check transaction type user input, whether to generate a receipt by selecting a receipt format from the plurality of stored receipt formats corresponding to one or more check transaction factors associated with the check transaction type, wherein the point-of sale device generates a receipt if the check transaction is authorized and involves a face-to-face-type transaction, and wherein the point-of-sale device does not generate a receipt if the check transaction involves an accounts receivable-type check transaction even if the accounts receivable-type check transaction is authorized by the check processing service.