Patent ID: 8660956

Claim:
A central system for deposit processing a plurality of checks deposited at a remote site with accompanying deposit information, comprising: one or more computers configured to receive bank deposit information for a plurality of different deposit transactions made by a plurality of different depositing individuals, with the deposit information including a bank deposit account designation within a bank of first deposit for each of the plurality of different depositing individuals, electronic check data for each of the plurality of checks being deposited, and check image data for at least one check deposited by each of the plurality of different depositing individuals, wherein the central system is separate from MICR capture, deposit accounting and float processing systems for the bank of first deposit; and wherein the central system is configured to transmit at least the electronic check data for each of the plurality of checks being deposited in each of the plurality of different deposit transactions to the bank of first deposit, in a transmission path that bypasses the MICR capture system of the bank of first deposit.