Patent ID: 8630945

Claim:
A system for integrating transaction processing, comprising: an image capture module at a payment acceptance location comprising an image capture device that captures payment data for a payment; a central processing module comprising at least one of a plurality of computer processors that receives the payment data and processes the captured payment data based on a payment processing instruction, the payment processing instruction including customer defined rules, processor defined rules, and regulatory defined rules; a risk management module comprising at least one of a plurality of computer processors that compares the captured payment data to a stop file, wherein the stop file comprises an identification of accounts that are designated not to accept deposits; an electronic quality control module comprising at least one of the plurality of computer processors that reviews the quality of the captured payment data for negotiability and acceptability; an electronic payment type determination module comprising at least one of the plurality of computer processors that determines a payment type from the captured payment data; a clearing module comprising at least one of the plurality of computer processors that manages a transaction based on the payment; a transaction management module comprising at least one of the plurality of computer processors that manages transmissions and reports regarding the transaction in real time; and an inquiry management module comprising at least one of the plurality of computer processors that manages inquiries regarding the transaction in real time.