Patent ID: 7631801

Claim:
A method of electronically processing a corporate check received at a merchant location wherein the merchant location is associated with a subscribing merchant, the method comprising: receiving a check at the merchant location; scanning the received check at the merchant location with a front end device; the front end device determining at the merchant location whether the scanned check is a corporate check or a non-corporate check based on the presence or absence of an auxiliary on-us field on the check's magnetic ink character recognition (MICR) line; the front end device communicating electronic information about the scanned check from the merchant location to a gateway of a check processing service wherein the information about the scanned check includes an indicator indicative of the presence or absence of the auxiliary on-us field; the gateway communicating the electronic information to an authorization component of the check processing service; and determining with the check processing service at the check processing service, whether to process the information about the scanned check electronically as a corporate check or a non-corporate check based at least partly on the auxiliary on-us field indicator.