Abstract: A method for reordering checks for a customer is disclosed. The method includes ordering a first quantity of checks for the customer, tracking usage of the first quantity of checks, and ordering a second quantity of checks for the customer when a predetermined quantity of the first quantity of checks has been processed.

Abstract: A system for remote data acquisition and centralized processing and storage provides comprehensive support for processing documents and electronic data associated with different applications including sales, business, banking and general consumer transactions. The system retrieves transaction data such as credit card receipts or checks in either electronic or paper form at one or more remote locations, encrypts the data, transmits the encrypted data to a central location, transforms the data to a usable form, performs identification verification using signature data and biometric data, generates informative reports from the data and transmits the informative reports to the remote location(s), providing high performance, security, reliability, fault tolerance and low cost.

Abstract: A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow the customer to select a quasi-cash transaction and to generate an order authorizing the quasi-cash transaction. The system also includes a station which is configured to retrieve the order and information verifying the identity of the customer and, when the identity of the customer is verified, is configured to, at the customer's option (1) obtain an electronic endorsement from the customer and place the electronic endorsement in an electronic image or (2) print out a hard copy of a check for endorsement by the customer.

Abstract: A method for enhancing a check code line image of a captured document such as a bank check. The method includes capturing an electronic image of a document; locating a code line region within the electronic image of the document; and performing a localized video gain on the code line region.

Abstract: A method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used to promptly initiate the transfer of funds to and from appropriate accounts, while the paper checks, at a remote location and typically lagging in time, are scanned to create digital image files and deposited as an image or substitute check if deemed ACH ineligible. The method provides for the comparison of data files to image files, based on MICR information, to find any unmatching or mismatched items for exception processing and a process to manage ACH-ineligible items as an image or substitute check. The process further provides for a trial period protocol for performing image matching on ACH-eligible items during a trial period before sending such transactions for settlement.

Abstract: A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.

Abstract: A method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used to promptly initiate the transfer of funds to and from appropriate accounts, while the paper checks, at a remote location and typically lagging in time, are scanned to create digital image files and deposited as an image or substitute check if deemed ACH ineligible. The method provides for the comparison of data files to image files, based on MICR information, to find any unmatching or mismatched items for exception processing and a process to manage ACH-ineligible items as an image or substitute check. A process for translating raw MICR data to a desired format, and for identifying the proper translation to be applied, is described.

Abstract: A system and process for more efficiently clearing checks by transmitting MICR line data together with a URL link to facilitate check clearing via electronic debits by an ACH. The URL link can be used at the option of the paying bank (or other entity) to access images of the check from a database.

Abstract: A system and method for accessing data to generate documents for use in MICR line testing. The system comprises a MICR testing station for testing MICR processing. The MICR testing station comprises a MICR line testing module for generating at least one MICR testing document for use in testing MICR processing. The MICR line testing module further comprises: (1) an application determination module for determining an application based on a bank selection provided by a tester, (2) a routing/transit number determination module for determining a routing/transit number based on the bank and the application determined, and (3) a tran code determination module for determining a tran code based on the routing/transit number determined; and at least one client station connected to the MICR testing station via a communications network, the at least one client station being used by at least one tester to provide particulars about at least one MICR line.

Abstract: A device captures an image of a check having a payee and/or a payor field. Payee data and/or payor data contained in the payee field and/or the payor field is extracted from the captured image. Extracted payee data and/or extracted payor data is stored in a data warehouse to allow a user to generate business-related information based upon the extracted payee data and/or the extracted payor data.

Abstract: A method (and system) of discovering a significant subset in a collection of documents, includes identifying a set of documents from a plurality of documents based on a likelihood that documents in the set of documents carries an instance of information that is characteristic to the documents in the set of documents.

Abstract: Preventing duplicate ICL files and/or ICL file elements, including duplicate ICLs, items, and item bundles, from being processed for payment and/or presentment. A duplicate detection module can assign a predictable and repeatable unique identifier to each ICL file and/or ICL file element. The duplicate detection module can determine whether each ICL file and/or element is a duplicate by comparing the identifier associated with the ICL file and/or element with information stored in a record of already processed files/elements. In response to determining that an ICL file and/or element is a duplicate, the duplicate detection module can determine not to process the file/element for payment and/or presentment. In response to determining that the ICL file and/or element is not a duplicate, the duplicate detection module can store information regarding the file/element in the record. For example, the stored information can include the unique identifier associated with the file/element.

Abstract: A method and system for electronically clearing financial instruments may include receiving electronic files of items containing data scanned from financial instruments including an amount of each instrument, and applying a rule to sort the items by determining whether the item may be stored or forwarded for clearing without storage. The rule may include determining whether an amount of the instrument exceeds a predetermined value, and if so, forwarding the instrument for clearing, or if not, storing the item for forwarding at a later time when the per item fee for clearing is lower. The system may include a control for receiving electronic files from a scanning device and applying a rule to sort the files by determining whether each file should be stored or forwarded and an image export server for converting the files to a preferred format and transmitting them for clearing.

Abstract: A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.

Abstract: Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) displaying a grid on a display associated with a remote capture device, where the remote capture device is configured to capture an image that shows multiple deposit items, and where the grid comprises a plurality of grid portions; and (b) prompting a user of the remote capture device to arrange the multiple deposit items, or to position or operate the remote capture device, such that each of the deposit items in the multiple deposit items appears in a single grid portion of the display before the image is captured.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor.

Abstract: Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information.

Abstract: A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means for associating each processed bill with the customer depositing the bill. Means for identifying the customer (or customer account) associated with a particular processed bill after the deposit transaction has been completed is also included in the system.

Abstract: A loan is secured by insurance policy collateral between a lender, borrower with the insurance policy, and an intermediary. The intermediary establishes a securities account and holds the insurance policy, which designates the borrower as the beneficial owner and the intermediary as the record owner. The lender disburses the loan proceeds to the borrower. In the event the lender notifies the intermediary of a default, the intermediary is obligated to modify the insurance policy by designating the lender as the beneficial owner of the policy, thereby enabling the lender to control the policy. The lender, for example, may make premium payments upon the policy, or order the intermediary to sell the policy.

Abstract: The present invention provides an image processing system, which can reduce calculation time by alleviating a calculation load in assessing the occurrence of tampering of an image. For example, the image processing system of the present invention first identifies a type of a form of an image to be assessed in assessing the occurrence of tampering. Next, a characteristic amount of a certain region (flexible region) corresponding to the identified type of a form is extracted as a characteristic amount of the image to be assessed. Then, the extracted characteristic amount of image to be assessed and the characteristic amount extracted from a certain region in an original image are compared and the compared result is notified as the assessment result. A flexible region, to which a user writes, is preferably specified as said certain region.

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: 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 and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second value of the negotiable instrument based on the electronic image, and automatically validating the negotiable instrument if the first value is substantially equal to the second value.

Abstract: Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction information, and compliance verification by matching one or more cash equivalent transactions (CETs) made by an individual to determine if the aggregate of the transactions should be reported to meet compliance regulations. Images of the documents may be reviewed by an analyst to determine an account number and/or routing number associated with imaged document. If the information associated with the document reviewed has not been previously reviewed, it may be placed on a list of documents associated with CET transactions such that the document may be determined to be a CET in subsequent encounters with the document without human intervention.

Abstract: Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction information, and compliance verification by matching one or more cash equivalent transactions (CETs) made by an individual to determine if the aggregate of the transactions should be reported to meet compliance regulations. Images of the documents may be reviewed by an analyst to determine an account number and/or routing number associated with imaged document. If the information associated with the document reviewed has not been previously reviewed, it may be placed on a list of documents associated with CET transactions such that the document may be determined to be a CET in subsequent encounters with the document without human intervention.

Abstract: An improved check sorting system capable of ordering cancelled checks for a plurality of accounts in a predetermined manner other than by account number is provided. Checks are ordered according to a priority value associated with the account number, and optionally check number, identified by each check. A database is utilized to store information indexed by institution and/or account number and optionally check number. The information includes a priority value. The check sorting system scans each check and reads the MICR code from each check. The institution and/or account number, and possibly check number, from each check are used as pointers to obtain the priority value for that check. The check is then sorted based on the priority value obtained from the database.

Abstract: Systems for processing digital check image files include an image classification module programmed to review a plurality of attributes associated with a digital check image file including at least one check image, and to categorize the digital check image file into at least one category of a plurality of categories, and a decision module programmed to decide how to process the digital check image file based on the category.

Abstract: A system and method for MICR-based duplicate detection and management identifies duplicate presented items on day one across a plurality of payment channels, prior to posting, preventing them from impacting financial institution customers by rerouting to an adjustments team. Inquiry files containing MICR data for a plurality of presented items are evaluated by a duplicate detection module. Each item presented is evaluated against all previous items based on its MICR line. Unique items are processed in the usual manner. Duplicate suspects undergo further processing. Suspects having identical MICR data, but that are not duplicates, such as NSF (non-sufficient funds) checks being re-deposited, are identified and posted. The remaining suspects go in the suspect queue of a universal workstation. After being researched, suspects found not to be duplicates are posted. The remaining suspects are flagged as duplicates and routed to an adjustor for further action.

Abstract: A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national card account to the recipient of the certificate, the certificate having been purchased by a purchaser, who is not also the recipient, and containing all information necessary for the purchase of goods or services from any merchant who is capable of processing economic transactions involving one of the plurality national card accounts for which a physical card has issued, but without presentment of the physical card.

Abstract: A negotiable instrument with fraud and identity theft protection and method of use is provided. The method includes step accepting a negotiable instrument having a pre-printed bar code, reading the bar code on a negotiable instrument using a bar code scanner, and receiving from the writer a code presented to the merchant for deriving personal information associated with the account holder and banking information associated with the account from the bar code. The method also having the step of comparing the personal identification information from the bar code with information provided by the writer. The merchant using the bank processing information derived from the bar code to process the negotiable instrument.

Abstract: A method for check clearing by a first entity where the check was previously issued from a first party to a second party. The first party has a first account with the first entity and the second party has a second account with a second entity. The first entity receives first information included with the check from the second party, including first party identifying information, a unique pseudorandom check number, and a check amount. The first entity authenticates at least a portion of the first information and receives second information from the second party, including at least the second account number and the second entity's routing transit number. The first entity transfers funds from the first account of the first party to the second account of the second party using at least a portion of the authenticated first information and the second information.

Abstract: A system and method for securing financial information in payment instruments including generating a pseudorandom number sequence, generating an activation code, including a unique pseudorandom number of the sequence with each payment instrument of a plurality of payment instruments and issuing the plurality of payment instruments with the activation code to a customer. The activation code is associated with customer identifying information and each unique pseudorandom number of the sequence included with each payment instrument of the plurality of payment instrument. The plurality of payment instruments is activated with the activation code. A received payment instrument of the plurality of payment instruments is authenticated if the customer and the unique pseudorandom number of the sequence included on the received payment instrument are authenticated and if the plurality of payment instruments are activated.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: A system and method for verifying the existence of a deposit account, such as a checking account, are provided. The system and method may also be used to determine whether the deposit account is configured to receive automatic transactions for withdrawal. For example, a lender may extend an offer of credit to a borrower where payments of principal and interest are to be made by automatic withdrawals. Prior to transferring the principal, the lender verifies the existence and configuration of the borrower's deposit account by charging a fee to establish the line of credit and retrieving the fee by automatic withdrawal. Once the transaction clears and the lender receives the fee, the lender is assured that the account does exist and is configured to receive automatic transactions. Two exemplary methods of retrieving the fee are electronic funds transfer and remote creation of a paper negotiable instrument.

Abstract: A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means for associating each processed bill with the customer depositing the bill. Means for identifying the customer (or customer account) associated with a particular processed bill after the deposit transaction has been completed is also included in the system.

Abstract: A system mainframe receives a payee check file and a payor check file and produces an exception file including at least one exception item. A server receives the exception file and generates a Web file including information relating to the exception item and generates an address for the Web file. The server further sends an exception client an e-mail which notifies the exception client of the exception item and provides the exception client with the address for the Web file.

Abstract: Balancing image cash letters (“ICLs”) and ICL items during electronic check processing includes determining whether each item has been presented to a receiving institution for payment. A tracking module can track an incoming ICL/item's processing status using records comprising information regarding the ICL/item's status for electronic check processing events. The tracking module can present the ICL/item's processing status in one or more reports. The tracking module can balance an ICL by comparing an incoming ICL value amount with an outgoing ICL value amount. The incoming ICL value amount comprises the total value of the items in the incoming ICL. The outgoing ICL value amount comprises the total value of the items in the incoming ICL that have been presented to a receiving institution via one or more outgoing ICLs. If the amounts match, then the incoming ICL is balanced. If not, then the ICL is not balanced.

Abstract: News information is received. It is determined if the news information contains a reference to a company. It is further determined if the news information matches criteria associated with the company. Securities are automatically trade upon determining that said news information contains a reference to the company and determining that said news information matches criteria associated with the company.

Abstract: A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, determining using a computer system that the received electronic bill payment is an exception payment wherein the exception payment includes the electronic bill payment submitted by the consumer having consumer entered information not matching a criterion for accepting electronic payment required by the biller, creating an exception addenda record for the exception payment using data stored within a database wherein the addenda record identifies the consumer submitting the exception payment, and posting the exception payment to an appropriate consumer account for the biller based on the addenda record.

Abstract: A method for linking front and rear images in a document processing system involves linking the front and rear images by a magnetic ink character code line. The document processing system includes an imaging device and a magnetic ink character recognition (MICR) reader. The method comprises capturing a first image and first MICR waveform for the front side of the document, and capturing a second image and second MICR waveform for the rear side of the document. A forward recognition algorithm is applied to the first waveform to produce a first code line. A reverse recognition algorithm is applied to the second waveform to produce a second code line. The reverse recognition algorithm considers the second waveform as resulting from the document being read from the rear side of the document when processing the second waveform.

Abstract: An apparatus, system and method for providing to a network of ATMs (10) the ability to transact business in connection with several financial institutions (30, 40) using each financial institution's display interfaces (34, 44), and optionally provides for advertising and promotional materials (32, 42)) associated with each financial institution targeted to a specific user. The ATM platform is capable of delivering the same look, feel and functionality of each participating financial institutions through a single ATM, which allows for a financial institution to increase brand recognition, maintain customer loyalty and prevent market share loss.

Abstract: A system and method for processing paper check orders. The system comprises client storage capable of storing client information including data from previous paper check orders, suspect check order storage capable of storing suspicious order information including data associated with previous improper check orders, an order entry system for inputting order information having order parameters, and a programmable scoring system in communication with the client storage and the suspect order storage. The scoring system is capable of applying scoring rules to score paper check orders and the scoring rules are programmably adjustable for variable weights to the order parameters. The programmable scoring system is capable of comparing input order information to the client information and the suspicious order information and producing a score according to the scoring rules to determine check orders that require further investigation.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically generating authorization data indicating that processing payment of the check has been completed and the check is valid based on a reading of the magnetic characters and a response from an external analysis source, generating an electronic merged image by electronically combining back image data captured during the scanning of the back of the check with generated authorization data, and storing the electronic merged image with the front image data captured during the scanning of the front of the check. Moreover, these operations are performed in a single pass of the check in one direction through a transportation path of a check processing apparatus. No printing of any data is required. The check processing can be embodied in a method, apparatus, or instructions embodied on a machine-readable medium.

Abstract: The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: One embodiment of the invention is directed to a method comprising receiving an authorization request message for a transaction conducted by a consumer with a merchant, sending the authorization request message to an issuer, receiving an authorization response message, modifying the authorization response message using a server computer to include receipt preference data, wherein the receipt preference data is derived from receipt preferences of the consumer or the merchant, and sending the authorization response message comprising the receipt preference data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.

Abstract: According to the present invention, a business is issued a deposit card readable on a debit card reader enabling the business to transmit deposit information to its bank or financial institution for crediting rather than debiting of its account. More particularly, a method is provided for facilitating bank deposits for a business having a debit card reader configured to send deposit information to a bank at which the business maintains at least one account. The method comprises the steps of: (i) compiling deposit information concerning cash and negotiable instruments to be deposited in the account; (ii) transmitting the deposit information to the bank via the debit card reader; (iii) consolidating the cash and negotiable instruments into a deposit package; (iv) labelling the deposit package to link it to the deposit information in step (ii); and, (v) delivering the deposit package from step (iv) to the bank.