Abstract: The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. In various embodiments, a secure server provides an electronic check service that maps payees to participating lockbox service providers and provides electronic payment instructions from the payor to the lockbox service providers to process payments to the payees. In various embodiments, a check is printed to fulfill Check21 Act requirements, electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. In various embodiments, paper items are processed where the electronic check service does not find an electronic deposit match. In various embodiments, the electronic lockbox files are used in a secure electronic payment platform that assists in the generation of electronic checks.

Abstract: The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. Enrollment information is received from a payor, and a secure portal is provided to authenticate electronic payment instructions from the payor. When instructions for a payment are received via the portal, risk for the payment is assessed. If funding for the payment is positively assessed, the present subject matter composites a front and back image of the check and performs an endorsement of the check. Electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. Select data on the check image pairs is anonymized, and an electronic deposit is performed in the amount of the payment to at least one payee.

Abstract: A method may include receiving documentation that authorizes changing an automatic payment method of at least one biller account of a user from an old payment method to a new payment method; retrieving payment transaction details of the at least one biller account from the user; generating a switch schedule for the at least biller account based on the payment transaction details, the switch schedule including a date when the new payment method for the at least one biller account takes effect; and transmitting a notification to a biller of the at least one biller account, the notification requesting a transfer to the new payment method.

Abstract: Various systems and apparatus for using quick response codes on negotiable instruments are described herein. A request may be received at a server from a user device, wherein the webpage request includes a sequence identifier, wherein the sequence identifier is associated with a two-dimensional barcode printed on a negotiable instrument. An advertisement from a plurality of advertisements may be selected based on the sequence identifier in the webpage request. The advertisement may be placed within an advertising portion of a webpage and the webpage may be transmitted to a user device.

Abstract: A negotiable instrument such as a check includes a unique microprint identifier that allows for authentication while preventing unauthorized reproduction and alternation. A printing system generates the identifier after receiving a customer order for printing a plurality of negotiable instruments, to allow inclusion of information that is specific to the customer order and/or the printing process. In various embodiments, the identifier is unique to each or each subset of the plurality of negotiable instruments and facilitates authentication of each of the negotiable instruments when needed.

Abstract: A system and method to automatically generate and insert a tracking code may include receiving at a web server, from a requesting computing device, a webpage access request associated with a domain; in response to receiving the webpage access request; accessing a configuration file for the domain; generating an analytics tracking code based on data stored in the configuration file; accessing the webpage from a storage device; modifying the webpage to include the analytics tracking code; and transmitting, from the web server, the modified webpage to the requesting computing device.

Abstract: A negotiable instrument such as a check includes a unique microprint identifier that allows for authentication while preventing unauthorized reproduction and alternation. A printing system generates the identifier after receiving a customer order for printing a plurality of negotiable instruments, to allow inclusion of information that is specific to the customer order and/or the printing process. In various embodiments, the identifier is unique to each or each subset of the plurality of negotiable instruments and facilitates authentication of each of the negotiable instruments when needed.

Abstract: A negotiable instrument such as a check includes a unique microprint identifier that allows for authentication while preventing unauthorized reproduction and alternation. A printing system generates the identifier after receiving a customer order for printing a plurality of negotiable instruments, to allow inclusion of information that is specific to the customer order and/or the printing process. In various embodiments, the identifier is unique to each or each subset of the plurality of negotiable instruments and facilitates authentication of each of the negotiable instruments when needed.

Abstract: A negotiable instrument such as a check includes a unique microprint identifier that allows for authentication while preventing unauthorized reproduction and alternation. A printing system generates the identifier after receiving a customer order for printing a plurality of negotiable instruments, to allow inclusion of information that is specific to the customer order and/or the printing process. In various embodiments, the identifier is unique to each or each subset of the plurality of negotiable instruments and facilitates authentication of each of the negotiable instruments when needed.

Abstract: A system and method to automatically generate and insert a tracking code may include receiving at a web server, from a requesting computing device, a webpage access request associated with a domain; in response to receiving the webpage access request; accessing a configuration file for the domain; generating an analytics tracking code based on data stored in the configuration file; accessing the webpage from a storage device; modifying the webpage to include the analytics tracking code; and transmitting, from the web server, the modified webpage to the requesting computing device.

Abstract: Various systems and apparatus for using quick response codes on negotiable instruments are described herein. A request may be received at a server from a user device, wherein the webpage request includes a sequence identifier, wherein the sequence identifier is associated with a two-dimensional barcode printed on a negotiable instrument. An advertisement from a plurality of advertisements may be selected based on the sequence identifier in the webpage request. The advertisement may be placed within an advertising portion of a webpage and the webpage may be transmitted to a user device.

Abstract: A system in which a check and its duplicate are formed. In an embodiment, a mating device mates a base stock of a negotiable instrument with a base stock of a duplicate negotiable instrument to form mated base stock. In one embodiment, the base stock of the duplicate negotiable instrument has a photosensitive coating applied to a portion of the duplicate negotiable instrument. A printing device may be used to print personalized information on the base stock of negotiable instrument portion of the mated base stock. Also, an exposure unit may be used to apply light to the mated base stock, wherein the application of the light to the mated base stock transfers a portion of the personalized information on the negotiable instrument to the duplicate negotiable instrument.

Abstract: A computer-implemented portal system facilitates access to secure data and multiple secure-access internet sites. The system authenticates a user based on a single-sign-on identifier (ID) and password. The system stores user authentication information for the secure-access internet sites so that once the user is authenticated, the system can automatically authenticate the user to the sites, thus allowing the user to access multiple secure sites after a single manual authentication.

Abstract: A system for managing and reporting financial account activity to detect unauthorized access and prevent fraudulent transactions. The system processes checking and credit activities for a plurality of subscribers and provides notifications to subscribers based on the predetermined conditions and preferred communication options established by the subscribers.

Abstract: A system in which a check and its duplicate are formed. In an embodiment, a mating device mates a base stock of a negotiable instrument with a base stock of a duplicate negotiable instrument to form mated base stock. In one embodiment, the base stock of the duplicate negotiable instrument has a photosensitive coating applied to a portion of the duplicate negotiable instrument. A printing device may be used to print personalized information on the base stock of negotiable instrument portion of the mated base stock. Also, an exposure unit may be used to apply light to the mated base stock, wherein the application of the light to the mated base stock transfers a portion of the personalized information on the negotiable instrument to the duplicate negotiable instrument.

Abstract: Browser-based systems and methods are provided for ordering personalized financial products. One aspect of the present subject matter relates to a method for fulfilling financial product orders. In one embodiment of this method, a number of user inputs for selecting a number of financial products through a browser interface is received. A number of imprints is personalized using a number of personalization elements for the number of selected financial products. Special characters are supported. An order for the selected number of financial products is accepted through the browser interface. The ordered financial products are shipped. Other aspects are provided herein.

Abstract: A system and method for facilitating the creation of personalized products is disclosed, wherein a user on a user computer can access a host merchant computer via a communication network, such as the Internet. The host merchant computer communicates with a products database containing information on products available for personalization and further contains manufacturing capabilities for the products.

Abstract: A system and method for conveying information about a personalized product are disclosed. A web server processes product personalization information for a vendor. The web server accepts the personalization that a customer has provided and performed on a product. The web server further accepts a submission from the customer for an order for the production of that personalized product. The web server determines the vendors capable of producing the personalized product and may accept either customer selection of a vendor or automatic selection of a vendor to produce the personalized item. The web server can describe the personalized product in a manner consistent with a data specification or a production request format as defined by the vendor.