Patent ID: 7594602

Claim:
A method for printing a certifiable check on a generic form using a financial services software executing on a personal computer, the method comprising: detecting a request for printing the certifiable check on the generic form from a requester, wherein the request comprises an account number associated with an account and an amount of funds to be printed on the certifiable check, and wherein the account number is received from preexisting data within the financial services software executing on the personal computer; authenticating the requestor's ownership of the account by the financial services software executing on the personal computer; verifying a status of the account number in response to detecting the request for check printing; accessing preexisting data associated with the account owned by the requester to obtain an amount of funds available in the account, wherein the preexisting data is accessed via the financial services software executing on the personal computer; issuing, by the financial services software executing on the personal computer, a command to print the certifiable check on the generic form upon successful authentication of the requestor's ownership of the account and verification of the account number; intercepting the command to print the certifiable check and determining, by the financial services software executing on the personal computer, whether sufficient funds are available in the account by comparing a value corresponding to the amount of funds to be printed on the certifiable check with the amount of funds available in the account; and denying the command to print the certifiable check when the value corresponding to the amount of funds to be printed is greater than the amount of funds available in the account.