Abstract: A system, method and computer-readable medium for providing a program featuring the re-purposing of consumer assets in a manner which allows the consumer to satisfy existing debt obligations in place with one or more creditors. The system, method and computer-readable medium re-purposes a different set of consumer assets—monthly debt payment savings, consumer necessity buying power, and previously untapped non-dollar assets- to repay creditor debts with a highly affordable and positive consumer solution that frees up cash flow for household necessity shopping and other needs. The system, method and computer-readable medium facilitate the creation of closed loop local market networks that expand to a national network of local market networks that enable consumers to affordably repay delinquent unsecured debts to creditors, including 90+ day delinquent debt.

Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented to a check-cashing entity in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful sources of reconcilement information are identified for querying in association with a proposed check-cashing transaction, a decision regarding how many of the sources to query and/or how long to continue to query may be based at least in part on factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity.

Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.

Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.

Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.

Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.

Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, positive pay information provides a list of issued checks that a check-issuer authorizes for payment from the check-issuer's check account. The use of positive pay information may thus reduce the acceptance of fraudulent checks. In various embodiments, a check authentication system provides access to desired positive pay or other reconcilement information using one or more routing tables that allow the check authentication system to efficiently and accurately locate desired positive pay information, which may be stored internally or externally to the check authentication system.

Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.

Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented to a check-cashing entity in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful sources of reconcilement information are identified for querying in association with a proposed check-cashing transaction, a decision regarding how many of the sources to query and/or how long to continue to query may be based at least in part on factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity.

Abstract: Systems and methods are described for collectively assessing positive pay or other reconcilement information associated with a check or other negotiable instrument presented to a check-cashing entity for acceptance. In response to a request for authentication information about a check or other negotiable instrument, a check authentication system polls at least one source of reconcilement information. Systems and methods are described for collectively assessing and resolving any conflicts within the obtained reconcilement information in order to determine a result for reporting to a check-cashing entity requesting the information. In various embodiments, conflicts are resolved, taking into consideration general characteristics associated with reconcilement information and/or rules agreed upon by the check authentication system and the check-cashing entity.