Abstract: Methods and systems for cashing electronic checks are disclosed. One method includes receiving credential information from a user at an automated system communicatively connected to a checking account information database, and validating the credential information. The method further includes obtaining checking account information from the checking account information database, the checking account information corresponding to a checking account associated with the credential information and having been at least partially previously entered into the checking account information database from a system separate from the automated system. The method also includes receiving a request to cash an electronic check, and determining whether to fulfill the request to cash the electronic check.

Abstract: Methods and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second value of the negotiable instrument based on the electronic image, and automatically validating the negotiable instrument if the first value is substantially equal to the second value.

Abstract: Methods and systems for depositing a check using a mobile device are disclosed. Methods may include, for example, receiving, from a mobile device, a deposit request and check image, performing an image quality analysis and a check decision authorization process using the request, determining whether the deposit would exceed one or more limits, and if not, determining a type of processing for the deposit. If a warranty processing system is used, the method may include creating and sending an image file associated with the check to a bank associated with the check decision provider, and sending an approval response to a bank associated with the account issuer; and if self-risk processing is used, the method may include creating and sending an image file associated with the check to a bank associated with the account issuer. Similarly, disclosed systems may include memory containing instructions configured to operate such methods.

Abstract: Methods and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second value of the negotiable instrument based on the electronic image, and automatically validating the negotiable instrument if the first value is substantially equal to the second value.

Abstract: Methods, systems, and computer-readable media are disclosed for generating a score for a check cashing transaction. A method includes receiving from a cashing station, having cashing station data, a transaction request including check data and identity data associated with a user, and determining whether the transaction request represents a first transaction request from the user at that cashing station. If so, an enrollment validation process and identification authentication process are performed; if not, a repeat validation process and check casher identification process are performed. The method includes determining whether there is a match between at least one of check data or identity data and data in a negative file or a knowledge file.

Abstract: System and method for validating a payment. The method can include obtaining a first account identifier, accessing a database containing a plurality of risk scores, each one of the plurality of risk scores being associated with one of a plurality of account identifiers, obtaining a first risk score from the plurality of risk scores, the first risk score being associated with the first account identifier, and determining an acceptance decision by comparing the first risk score against a risk threshold value.

Abstract: Methods and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second value of the negotiable instrument based on the electronic image, and automatically validating the negotiable instrument if the first value is substantially equal to the second value.