1-7. (canceled)
8. A system configured to electronically initiate payment of an amount owed to a vendor from a customer computer system regardless of whether the vendor utilizes an electronic payment technology for receipt of amounts owed to the vendor, the system comprising:
a local customer computer system comprising:
an electronic accounting application configured to generate print data;
electronic payment print data generated by and transmitted from the electronic accounting application;
a payment print data reader electronically coupled to the electronic accounting application that automatically receives the electronic payment print data and preprocess the electronic payment print data, wherein the payment print data reader includes
a determining module that determines a manner of effectuating the payment regardless of whether the vendor utilizes an electronic payment through an electronic payment technology when available and through a printed check when no electronic payment technology is available, the determining module comprising a send check vendor database;
a check printing module; and
an electronic payment processing module wherein if the payment is to be made electronically the local electronic payment processing module further comprises a mechanism that is configured to merge the electronic print data into a predetermined electronic payment file format that is sent directly to a remote third-party electronic payment processing center to selectively transmit an electronic payment file thereto for the payment of the amount owed to the vendor, wherein the electronic payment file is generated by the local electronic payment processing module; and
a storage device coupled to the electronic accounting application that is configured to maintain all formats used by any payment processing center; and
the remote third-party electronic payment processing center electronically coupled to the customer computer system via a communication mechanism, wherein the remote third-party electronic payment processing center is configured to receive the electronic payment file and to effectuate the payment of the amount owed to the vendor regardless of whether the vendor utilizes an electronic payment through electronic payment technology when available and through a printed check when no electronic payment technology is available.
9. The system as recited in claim 8, wherein the payment print data reader is further electronically coupled to a printing device for processing a printed check to effectuate the payment of the amount owed to the vendor when the remote third-party electronic payment processing center is not utilized.
10. The system as recited in claim 8, further comprising an entry in an automated clearing house (ACH) file based on the electronic payment file to effectuate the payment of the amount owed to the vendor when electronic payment technology is available.
11. The system as recited in claim 10, further comprising a system of a financial institution having a financial account corresponding to the vendor for receipt of the payment, wherein the system of the financial institution is electronically coupled to the remote third-party electronic payment processing center to receive the ACH file.
12. The system as recited in claim 8, wherein the electronic payment file comprises remittance data, an invoice number, an invoice date, an invoice description, an invoice amount, a check date, a check number, a check amount, a payee name, and a payee address.
13. The system as recited in claim 12, wherein the electronic payment file includes information from the electronic print data, and wherein the electronic print data is in an American standard code for information interchange (ASCII) text data format.
14. An electronic payment processing system for use in initiating payment of an amount owed to a vendor from a local electronic payment processing module of a customer computer system regardless of whether the vendor or a financial institution of the vendor employs electronic payment processing technology for receipt of amounts owed to the vendor or financial institution, the electronic payment processing system comprising:
a local customer computer system comprising:
(i) an electronic accounting application configured to generate print data;
(ii) electronic payment print data generated by and transmitted from the electronic accounting application;
(iii) a storage device coupled to the electronic accounting application that is configured to maintain all formats used by any payment processing center; and
(iv) a local electronic payment processing module electronically coupled to:
(a) the electronic accounting application, wherein the electronic payment processing module is configured to receive the electronic payment print data transmitted from the electronic accounting application and read the electronic payment print data through the use of a print data reader of the local electronic payment processing module, wherein the local electronic payment processing module includes:
(1) a module to preprocess the transmitted electronic payment print data;
(2) a module to determine a manner to effectuate the payment of the amount owed regardless of whether an electronic payment technology is used for receipt of the payment;
(3) a check printing module; and
(4) an electronic payment processing module, wherein if the payment is to be made electronically the local electronic payment processing module is configured to merge the electronic print data into a predetermined electronic payment file format that is sent directly to a remote third-party electronic payment processing center;
(b) the remote third-party electronic payment processing center to selectively transmit an electronic payment file thereto for the payment of the amount owed to the vendor, wherein the electronic payment file is generated by the local electronic payment processing module; and
(c) a printing device for automatically processing a printed check to effectuate the payment of the amount owed to the vendor when the local electronic payment processing module automatically determines not to utilize the remote third-party electronic payment processing center for effectuating the payment of the amount owed to the vendor.
15. The system as recited in claim 14, further comprising an entry in an automated clearing house (ACH) file based on the electronic payment file to automatically effectuate the payment of the amount owed to the vendor corresponding to an invoice received from the vendor.
16. The system as recited in claim 14, wherein the electronic payment file comprises remittance data, an invoice number, an invoice date, an invoice description, an invoice amount, a check date, a check number, a check amount, a payee name, and a payee address.
17. The system as recited in claim 16, wherein the electronic payment file includes information from the electronic print data, and wherein the electronic print data is in an American standard code for information interchange (ASCII) text data format.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A composition of silver in water comprising a total concentration of silver of between about 5 and 40 parts per million, said silver in the form of colloidal silver particles having an interior of elemental silver and a surface of silver oxide, wherein a majority of the colloidal silver particles have a maximum diameter less than 0.015 micrometers, wherein a majority of the colloidal silver particles have a minimum diameter greater than 0.005 micrometers, and wherein the composition exibits antimicrobial properties.
2. The composition according to claim 1, wherein at least 75% of the colloidal particles have diameters between 0.005 micrometers and 0.015 micrometers.
3. The composition according to claim 2, wherein at least 90% of the colloidal particles have diameters between 0.005 micrometers and 0.015 micrometers.
4. The composition according to claim 3, wherein at least 95% of the colloidal particles have diameters between 0.005 micrometers and 0.015 micrometers.
5. The composition according to claim 1, wherein the colloidal particles have an average diameter of about 0.0106 micrometers.
6. The composition according to claim 1 further comprising hydrogen peroxide.
7. The composition according to claim 6, wherein the hydrogen peroxide concentration is between about 1% wghtv and about 3.0% wghtv.
8. The composition according to claim 1, wherein the composition exhibits antimicrobial properties against microbes selected from the group consisting of Bacillus anthracis, Bacillus subtilis, Candida albicans, Mycobacteria bovis, Mycobacteria tuberculosis, Pseudomonas aeruginosa, Salmonella choleraesius, Staphylococcus aureus, Trichomonas vaginalis, and Yersinia pestis.
9. The composition according to claim 8, wherein Staphylococcus aureus is a methicillin-resistant strain.
10. The composition according to claim 1, wherein the composition exhibits antimicrobial properties against microbes associated with diseases selected from the group consisting of malaria, fungal infections of the skin, bacterial infections of the skin, vaginal infections, urinary tract infections, tonsillitis, pelvic inflammatory disease, pharyngitis, gonorrhea, conjunctivitis, otitis, respiratory tract infections, and nasal infections.
11. The composition according to claim 1, wherein the antimicrobial properties are antiviral properties.
12. The composition according to claim 11, wherein the antiviral properties are exhibited against a virus selected from the group consisting of human immunodeficiency virus and hepatitis B virus.
13. The composition according to claim 11, wherein the antiviral properties include inhibition of viral DNA polymerase.
14. The composition according to claim 11, wherein the antiviral properties include inhibition of viral reverse transcriptase.