Patent ID: 8583492
Filing Date: 2013-11-12
Classification: G06Q

Abstract:
1. A method, comprising: receiving, in a funds verification system at a location of a recipient of a check, the check from a sender of the check for an amount of payment, the location of the funds verification system being different from a location of a financial institution of the check recipient, said funds verification system comprising at least one computer processor; determining, by the at least one computer processor and via the financial institution of the check recipient, whether sufficient funds equal to or greater than the amount of payment exist in an account associated with the check; responsive to determining, by the at least one computer processor, that sufficient funds exist in the account associated with the check: responsive to determining, by the at least one computer processor, that inadequate funds exist in the account associated with the check, providing a user interface comprising a notice, the notice indicating that an alternate method of payment should be used, and the notice comprising at least one credit card payment option and an option to scan a different check.