Abstract: Method and/or system for extending payment system architectures and/or order processing systems to assign merchant funded incentive options to customers performing a mobile remote check deposit capture (MRDC) routine from a smart mobile device to facilitate online commerce, online-to-offline (O2O) commerce and mobile commerce includes: a) means for Receiving Check, Geographic Location, Device and Payment Instrument Information b) means for Presenting Third Party Merchant Funded Incentive Offers c) means for Receiving Confirmation of Acceptance of Merchant Funded Incentive Offer d) means for Parsing Confirmation of Acceptance of Merchant Funded Incentive Offer e) means for Collecting Remittance Funds f) means for Establishing Payment Instrument and Delivery Information g) means for Generating an Order h) means for Submitting an Order to Merchant i) means for Delivering an Order Confirmation

Abstract: A method for processing payments is provided that includes receiving with at least one server data representative of a plurality of payments. For at least one of the payments, the at least one server causes data representative of at least one third party offer to be mailed to the payee associated with the payment along with a check for the payment amount of value associated with the payment. The method also includes receiving with the at least one server, data representative of an acceptance of the at least one third party offer. Responsive to the acceptance, the at least one server may cause: a gift certificate to be issued to the payee; value in the amount of the payment minus a service fee to be transferred to a merchant associated with the at least one third party offer; and to cause the check to be voided.

Abstract: A method for processing payments is provided that includes receiving with at least one server data representative of a plurality of payments. For at least one of the payments, the at least one server causes data representative of at least one third party offer to be mailed to the payee associated with the payment along with a check for the payment amount of value associated with the payment. The method also includes receiving with the at least one server, data representative of an acceptance of the at least one third party offer. Responsive to the acceptance, the at least one server may cause: a gift certificate to be issued to the payee; value in the amount of the payment minus a service fee to be transferred to a merchant associated with the at least one third party offer; and to cause the check to be voided.