Abstract: A payroll receiving and accessing system includes an enrollment kit. The kit includes activation instructions and an enrollment form for assigning an account identifier that identifies an account for receiving payroll funds due an employee. The system also includes an account activation system programmed to receive an activation request by the employee to activate the account, provide to the employee disbursement options including at least receiving payroll funds by negotiable instrument and receiving payroll funds by presentation instrument, receive from the employee a selection from among the disbursement options, and establish the selection. The system also includes a trustee account for the benefit of the employee for receiving the payroll funds due the employee and a system configured to disburse the funds to the employee in accordance with the selection.

Abstract: A value distribution method includes enrolling a payee into a source program through which the payee receives funds from a payer. The source program includes a stored value account into which the payer deposits the payee's funds. The stored value account has account information associated therewith. The method also includes receiving a porting trigger, and, in response to the porting trigger, establishing a target program for the payee. The target program includes a target account into which entities in addition to the payer may deposit funds. The method also includes porting at least a portion of the account information from the source program to the target program.

Abstract: A payroll receiving and accessing system includes an enrollment kit. The kit includes activation instructions and an enrollment form for assigning an account identifier that identifies an account for receiving payroll funds due an employee. The system also includes an account activation system programmed to receive an activation request by the employee to activate the account, provide to the employee disbursement options including at least receiving payroll funds by negotiable instrument and receiving payroll funds by presentation instrument, receive from the employee a selection from among the disbursement options, and establish the selection. The system also includes a trustee account for the benefit of the employee for receiving the payroll funds due the employee and a system configured to disburse the funds to the employee in accordance with the selection.

Abstract: A value distribution method includes enrolling a payee into a source program through which the payee receives funds from a payer. The source program includes a stored value account into which the payer deposits the payee's funds. The stored value account has account information associated therewith. The method also includes receiving a porting trigger, and, in response to the porting trigger, establishing a target program for the payee. The target program includes a target account into which entities in addition to the payer may deposit funds. The method also includes porting at least a portion of the account information from the source program to the target program.

Abstract: A presentation instrument package includes a presentation instrument and a negotiable instrument. The package is configured for display at a point-of-sale, and the presentation instrument and negotiable instrument are configured for activation at the point-of-sale.

Abstract: In a method of printing a negotiable instrument remotely, a request for the negotiable instrument is received at a host computer system. The request includes at least the monetary amount of the negotiable instrument. Identification information is generated, and information about the negotiable instrument is recorded in a database, including at least the identification information and the monetary amount. A digital file is constructed, including content formatted for printing directly on negotiable instrument stock, and the digital file is sent via an electronic communication interface to a remote location for printing. In some applications, the host computer system may retrieve jurisdiction-specific information from a database for inclusion in the digital file. Such as system may facilitate remote payments such as, for example, for the timely termination of a remote employee in a state that places strict requirements on how final earnings are paid to terminated employees.

Abstract: A method of porting value from a negotiable instrument to a presentation instrument includes acquiring information from the negotiable instrument, acquiring information from the presentation instrument, sending at least a portion of the information from the negotiable instrument to a check processor, receiving a message from the check processor that identifies whether the negotiable instrument has been associated with a Positive Pay File, and, based at least in part on the message from the check processor, determining an amount of value to credit to an account associated with the presentation instrument.

Abstract: A payroll receiving and accessing system includes an enrollment kit. The kit includes activation instructions and an enrollment form for assigning an account identifier that identifies an account for receiving payroll funds due an employee. The system also includes an account activation system programmed to receive an activation request by the employee to activate the account, provide to the employee disbursement options including at least receiving payroll funds by negotiable instrument and receiving payroll funds by presentation instrument, receive from the employee a selection from among the disbursement options, and establish the selection. The system also includes a trustee account for the benefit of the employee for receiving the payroll funds due the employee and a system configured to disburse the funds to the employee in accordance with the selection.

Abstract: A value distribution method includes enrolling a payee into a source program through which the payee receives funds from a payer. The source program includes a stored value account into which the payer deposits the payee's funds. The stored value account has account information associated therewith. The method also includes receiving a porting trigger, and, in response to the porting trigger, establishing a target program for the payee. The target program includes a target account into which entities in addition to the payer may deposit funds. The method also includes porting at least a portion of the account information from the source program to the target program.

Abstract: A method of porting value from a negotiable instrument to a presentation instrument includes acquiring information from the negotiable instrument, acquiring information from the presentation instrument, sending at least a portion of the information from the negotiable instrument to a check processor, receiving a message from the check processor that identifies whether the negotiable instrument has been associated with a Positive Pay File, and, based at least in part on the message from the check processor, determining an amount of value to credit to an account associated with the presentation instrument.