Abstract: Methods and systems, including computer programs encoded on a non-transitory medium, are disclosed for real-time and/or online straight-through processing, including the forward presentment and return processes of checks and other electronic payment instruments. In one aspect, an image file and transit item associated with a payment item received at a first financial institution are generated during a customer transaction. The image file and item are transmitted to a second financial institution associated with the payment item during the customer transaction performed at the incoming system. The image file and item are then processed and posted at the second financial institution in real-time, with a posting results notification being returned to the first system.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, are disclosed for real-time, straight-through processing and real-time presentment of checks and other electronic payment instruments. In one aspect, an image file associated with a payment item received at a first financial institution is generated. The generated image file is transmitted to a second financial institution associated with the payment item immediately after generation of the image file, while the received payment item and generated image file are processing prior to posting a transaction to a customer account at the first financial institution. After completing the processing, a transit item associated with the processed payment item is generated and transmitted to the second financial institution for association with the previously-transmitted image file.

Abstract: An image capture system for retaining check processing data comprises a camera operable to generate an electronic check image of a physical check, with the electronic check image operable to generate an image replacement document. The system includes a scanner operable to process the check image to generate check processing data and one or more processors operable to embed at least a portion of the check processing data in the electronic check image. The embedded check processing data is typically operable to be subsequently identified.

Abstract: A subsystem and method, employed within an electronic check presentment (“ECP”) system and executable on a computer system having volatile and nonvolatile memory and a processor coupled thereto. The subsystem and method establish and maintain a datastore for processing items within the ECP system.