In one of the two basic models that exist for processing checks online, users fill out a form with their routing number and account number, then the online check-processing service prints a hard copy of that information in the form of a check. Which of the following choices describes the other basic model for processing checks online?

A.
The user is asked to telephone a central number for verification

B.
Information is sent to a government agency for verification

C.
Information is processed via electronic Funds Transfer

D.
Information is routed to a third-party vendor.