virtual scanner to read document rather than scan

[jaytco]

With many online banks you are able to scan checks directly into your account. However, it appears that you need a directly attached scanner for this to work. ie my wireless lexmark will scan with its own software, but does not have a direct TWAIN scanner driver that java web client can find. As a work around, is there a product that installs as a normal TWAIN scanner, but prompts for a file rather than doing a physical scan.

Thanks!
Jay