Patent ID: 7624071

Claim:
A method for deposit processing at a central system a plurality of checks deposited at a remote site with accompanying deposit information, comprising: the central system receiving deposit information for a plurality of different deposit transactions, with the deposit information including a deposit account designation to 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 the bank of first deposit; the central system transmitting the electronic check data for the deposit transactions to the bank of first deposit; and the central system transmitting electronic check data and the check image data directly or indirectly to a maker bank or a Federal Reserve Bank or a correspondent bank in a transmission having a transmission path that bypasses the MICR capture, deposit accounting, cash management, and float processing systems of the bank of first deposit for that deposit transaction.