Abstract: An underbanked and unbanked method and module associated with a financial institution to effect generating cash funds from a check, loading these cash funds onto a general purpose reloadable prepaid card, and using these cash funds to facilitate cash to cash money transfers and bill payments for banking customers regardless of whether the customer is a deposit or non-deposit customer of the financial institution. The underbanked and unbanked module can include a check cashing module, a reloadable debit card system, a money remittance system and a bill payment system that are integrated with each other. The customer may use the funds dispensed from the underbanked and unbanked module to obtain cash, load a reloadable debit card, pay for purchases, pay bills, obtain a money order and/or to facilitate cash to cash money transfers.

Abstract: A system and method of transferring information comprising an input module configured to receive an access parameter from an entity authorized to provide the access parameter, an access module configured to access a first database or a second database and communicate information from the first database to the second database wherein the information is configured to perform an authorized function. The function can be authorized bill payment. The information to be transferred can include financial information, and can include account information.

Abstract: A system and method of transferring information comprising an input module configured to receive an access parameter from an entity authorized to provide the access parameter, an access module configured to access a first database or a second database and communicate information from the first database to the second database wherein the information is configured to perform an authorized function. The function can be authorized bill payment. The information to be transferred can include financial information, and can include account information.

Abstract: The method, system and computer program product for verifying financial data provides tracking and reporting of the reconciliation and approval process by providing a hierarchical list of users responsible for verification of at least a portion of the financial data and automatically notifying the users responsible for the reconciliation and approval, based upon the hierarchical list, of their duties regarding the account. If the certifier and approver do not certify and/or approve the financial data within a specified timeframe, their supervisors, based upon the hierarchical list, will be automatically notified. In addition, any certification and approval of the financial data is recorded, which permits instantaneous reporting regarding the status of the certification and approval process. Moreover, outstanding issues associated with the financial data may be recorded and tracked, and the appropriate user(s) may be notified of the issue if it is without resolution after a specified timeframe.

Abstract: An enrollment control system for activating and deactivating enrollment of beneficiaries of a first entity in a service program, such as a bill pay service program, of a second entity. The system requests information from the second entity identifying beneficiaries enrolled in the program and the timing of services provided to the beneficiaries. A request is sent to the second entity to deactivate enrollment of beneficiaries who have not received services within a dormancy threshold time. Advantageously, no enrollment charges are incurred by the first entity for dormant beneficiaries not recently availing themselves of the second entity's services. Optionally, the system can monitor unfulfilled service requests and remove the corresponding beneficiaries from the deactivation request to avoid deactivating enrollment of a customer needing services.

Abstract: A loyalty redemption system and related methods are disclosed. The loyalty redemption system can include a card.

Abstract: A method for managing a client relationship with a financial institution includes collecting information about a client, compiling the information to generate a validation summary, automatically setting expectations regarding account usage and activity of the client based on the information, creating a client profile with a risk determination for the client based on the expectations, routing the client profile with the risk determination for validation, and reviewing the validated client account at a date subsequent to a validation date of the client profile.

Abstract: A method and system for processing information is provided. A negotiable instrument may be scanned to determine a first amount and a second amount. A comparing module compares the first amount to the second amount, and a value for the negotiable instrument is determined based on the amounts. The value can be compared to the amounts to determine if a predetermined error has been committed in entering the value. If so, the value may be corrected.

Abstract: The method, system and computer program product for verifying financial data provides tracking and reporting of the reconciliation and approval process by providing a hierarchical list of users responsible for verification of at least a portion of the financial data and automatically notifying the users responsible for the reconciliation and approval, based upon the hierarchical list, of their duties regarding the account. If the certifier and approver do not certify and/or approve the financial data within a specified timeframe, their supervisors, based upon the hierarchical list, will be automatically notified. In addition, any certification and approval of the financial data is recorded, which permits instantaneous reporting regarding the status of the certification and approval process. Moreover, outstanding issues associated with the financial data may be recorded and tracked, and the appropriate user(s) may be notified of the issue if it is without resolution after a specified timeframe.

Abstract: A fraud-prevention system having user security parameters based on user instruction. A user specifies the security parameter for a transaction. The security parameter may include, but is not limited to a geographic location, a monetary value range, a transaction mode, an account access parameter, a class of goods, or a class of services. The fraud-prevention system acquires this security parameter information from the user and stores it in a user security parameter database. The fraud-prevention system uses these user security parameters to screen subsequent transactions.