Abstract: The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.

Abstract: The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.

Abstract: A computerized system utilizes a method of tracking and reporting user behavior. The system includes a server computer, a first client computer, and a second client computer. The method includes the steps of identifying a first user and offering a trackable asset to the first user, wherein the trackable asset is receivable by the first user. A request to receive the trackable asset is received by the server computer. The method determines a type of asset that is requested and then authenticates whether or not the first user is authorized to receive the trackable asset. The method continues with the step of delivering the trackable asset to the first user if the first user is authorized to receive the trackable asset. Data regarding delivery of the trackable asset to the first user is recorded. The method further includes the step of reporting the data to a second user.

Abstract: A risk assessment system and method that calculates the risk of approving certain financial transactions, such as payment by check, and provides an indication as to whether to accept or decline the check. The system and method further include a process for calculating the risk of overturning the original decision whereby indications of whether to overturn a particular original transaction decline can be provided to a customer service agent such that the overturn decision is based upon the calculation of overturn risk using one or more overturn scoring modules.

Abstract: A method of playing a wagering game against a house which includes the steps of wagering an amount of credits, randomly selecting and displaying at least two symbols, and making a payout based on the payout value for the combination of symbols selected. The symbols selected are from a finite set of multi-dimensional symbols which have at least two values. Each value is from a distinct dimension having at least two distinct values wherein all values within a dimension are equally probable.

Abstract: A method of playing a wagering game against the house which includes the steps of wagering an amount of credits, randomly selecting at least two primary sets of symbols and randomly selecting at least one secondary set of symbols. Each primary set is to have at least two symbols, the secondary set to have at least one symbol. The symbols randomly selected for the secondary set are also included in each primary set. Each symbol is selected from a set of possible symbols. A pay-out is then made based on the combination of symbols in each primary set.