When a person want to buy any thing from an online shop and want to pay through electronic check he uses the electronic check book device. By using electronic check books he filled all the information regarding amount, date etc. and his digital signature through his private key and generates a blank electronic check. A certificate issued by the payer bank authenticating public key of the payer is also attached with the electronic check. This blank check is sent through secure envelop which is created by encrypts his information with a symmetric key. The payee firstly decrypts the secure envelop by symmetric key and then decrypts all the information available on electronic check. The payee use a hardware device to forward the check to payers bank in secure envelop.
The reason of security of electronic checks are Digital signature and Public key cryptography use one for encrypt and other for decrypts.
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