Patent ID: 8566241

Claim:
A method of check processing, comprising: receiving, from a check casher entity, an indication of a check submitted by a customer to the check casher entity, end a request for a pending deposit to be placed on a stored-value card associated with the customer; notifying a card processor entity of the pending deposit to be placed on the stored-value card and a specified date on which at least a portion of the pending deposit will be available; notifying the card processor entity of a date different from the specified date on which another portion of the pending deposit to be placed on the stored-value card will be available; determining, prior to the specified date, whether an indication that the check did not clear has been received; in direct response to receiving, prior to the specified date, the indication that the check did not clear, instructing the card processor entity to reverse the pending deposit to be placed on the stored-value card and notify the customer that check did not clear; and if the indication has not been received by the specified date, instructing the card processor entity to submit an immediate load in amount equal to the at least a portion of the pending deposit to be placed on the stored-value card and eliminate the pending deposit.