DOUBLE CONVERSION CHEQUE-CLEARING PROCESS AND SYSTEM

A cheque clearing process includes the steps of: receiving, in a computer system, first payment information based on digital ink generated by an optically imaging pen, the digital ink identifying a unique cheque identity and representing handwritten information entered on the cheque by the pen; receiving, in the computer system, second payment information based on independently reading visible information on the cheque; and comparing the first payment information with the second payment information.