Opinion ID: 146507
Heading Depth: 2
Heading Rank: 1

Heading: qchex.com

Text: From 2000 to 2006, Qchex marketed a series of software programs on a website called Qchex.com. The software allowed registered users to create and send checks by post or email. In October 2006, the website was shut down. The governing corporation, Neovi, [1] filed for Chapter 11 bankruptcy a year later in October 2007. [2] To register for a Qchex account, users were prompted to enter a name and email address, and then to create a password. The account could be activated simply by clicking on a link that Qchex sent to the email address provided. Setup was completed after Qchex received pertinent information about the user's bank account, such as the routing and account numbers. Registered users could submit a request on the website that a check drawn from their account be created and delivered to a third party. To achieve this end, users needed only to enter the name of a payee, the check amount, and the payee's email or mailing address, depending on the preferred method of delivery. Qchex.com then converted the information into a negotiable instrument that, when printed, conformed to U.S. banking regulations. The instrument was designed to be negotiable without the user's signature, but users could choose to upload their signatures if they so desired. If the user chose to send the check electronically, the payee would receive email instructions to sign up for an account on Qchex.com. Once registered, the payee could print the check, and a confirmation email would be sent to the payor. [3] If the user chose to send the check by post, it would be printed at a print service center operated in the main by employees of G7 Productivity Systems, a California corporation that produced the check software, ink, and paper that was marketed by Neovi on the Qchex website. [4] G7 employees mailed the checks to the payees.