Patent ID: 8131636

Claim:
A computer-implemented method of performing a financial transaction on a network comprising: storing a plurality of risk factors and a plurality of severities in a web-enabled remote policy database, wherein the severities are selectable by a user at a financial institution, and wherein the user associates one of the plurality of severities in the remote policy database with a particular risk factor from a financial institution over the network, wherein the risk factors are conditions for controlling the processing of a deposit, and wherein a particular severity associated with the particular risk factor defines actions taken when the particular risk factor is detected, and wherein different risk factors are associated with different, and wherein the policy database further comprises hold policies that associate a deposit type with a hold type; receiving deposit data in a server from a kiosk over the network; applying the risk factors to the deposit data; and performing, on the server, a first action corresponding to a first severity if one of said risk factors is detected.