Computer software for use in identity authentication in the banking and electronic payment fields, namely, software encryption, data collection and document creation that captures electronic signatures, pictures and includes additional identification capture options and creates an indexed non-editable, 128-Bit encrypted document, which encompasses a suite of software programs, namely-- (a) downloadable software for online and batch checks that eliminate the storage and management of preprinted checks and creates an indexed non-editable 128-Bit encrypted document; software for automated output of transactional receipts that include electronic signatures, and for creating indexed, non-editable 128-bit encrypted documents, for use in conjunction with the provision of banking services; (b) computer software for automated output of transactional receipts that include electronic signatures, and for creating indexed, non-editable 128-bit encrypted documents, for use in conjunction with the provision of banking services; and (c) software for browser-based document presentation that includes electronic signature capture and creates an indexed non-editable 128-Bit encrypted document, for use in the field of banking; downloadable software for browser-based document presentation that includes electronic signature capture and creates an indexed non-editable 128-Bit encrypted document, for use in the field of banking