Patent ID: 7386511

Claim:
A method for deposit processing at a central system a plurality of checks for deposit, comprising: the central system receiving deposit information for a plurality of different deposit transactions, with the deposit information including for each of the different deposit transactions a deposit account designation in a bank of first deposit, electronic check data and check image data for at least one check to be deposited, wherein the central system is separate from MICR capture, deposit accounting, cash management, and float processing systems for a bank of first deposit and wherein the plurality of different deposit transactions relate to a plurality of different maker banks; the central system identifying a clearing end point for the at least one check for presentment thereof; the central system selecting based on or derived from information including the clearing end point identified, at least one of an IRD replacement document for the check, the check image data, and ACH data for provision to the clearing end point; the central system providing based on the selection, at least one of the check image data, ACH data, and the IRD replacement document, directly or indirectly to the clearing end point, or providing the check image data, directly or indirectly to a printing system for printing and delivery of the IRD replacement document to the clearing end point.