Patent ID: 8175963

Claim:
A computer readable memory storing instructions configured to direct a processing device to execute a method for processing a check, the method comprising: identifying, by a central computer, an offer associated with a check; determining, by the central computer, that the offer has been accepted by a payor of the check, the acceptance also being indicated on the check; and processing, by the central computer, the check in accordance with the offer, wherein processing the check comprises: determining, based on information indicated on the check, a first instruction for disbursing funds from a checking account associated with the check, the first instruction indicating a first payee and a first amount to be disbursed; determining, based on the information indicated on the check, a second instruction for disbursing funds from the checking account, the second instruction indicating a second payee and a second amount to be disbursed; and processing the check in accordance with the first instruction and the second instruction, wherein the second instruction further indicates at least one condition which, if satisfied, permits the disbursement of the second amount from the checking account.