Abstract: Systems, methods, and computer program products are provided for automating the separation of a check and a stub attached to the check in a payment receiving and processing system. For example, one embodiment of the invention involves a computerized apparatus configured to receive a document image, locate a Magnetic Ink Character Recognition (MICR) line in the document image, and capture a check image by capturing a portion of the document image based at least partially on the location of the MICR line.

Abstract: Systems, methods, and computer program products are provided for integrating a mail receiving process with a payment processing system. Embodiments of the invention include a capture device configured to: (1) receive a plurality of payment-related mail items comprising a plurality of envelopes containing one or more items; (2) scan the plurality of envelopes and the items to obtain data about each of the plurality of payment-related mail items; (3) identify one or more exception situations regarding one or more payment-related mail items; (4) associate an exception indicator with the data obtained about the one or more payment-related mail items, wherein the exception indicator provides an indication as to an exception type selected from a plurality of exception types; and (5) communicate the data and the one or more exception indicators to a payment processing system.