Remotely_created_check
In the United States, remotely created checks (also called a demand draft, a tele-check, check by phone, check by fax, or e-check) are orders of payment created by the payee using a telephone or the Internet.
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Remotely created checks are orders of payment created by the payee and authorized by the customer remotely, using a telephone or the Internet by providing the required information including the MICR code from a valid check. They do not bear the signatures of the customers like ordinary checks. Instead, they bear a legend statement "Authorized by Drawer". This type of instrument is usually used by credit card companies, utility companies, or telemarketers. Remotely created checks are vulnerable to fraud.[1]