Systems and methods for providing blockchain based checks (BC Checks) that may be redeemed without traditional coordination between financial institutions of participants. Some particular embodiments of the present disclosure enable a recipient of a BC check (the payee) to validate the BC check directly through a blockchain hosted at least in part by the financial institution that issued the checks to the network participant using the BC check as payment (the payer) to the recipient. Some embodiments of the present disclosure further enable the payee to redeem the BC check for fiat currency directly through the payer's financial institution (even if the payee and payer do not share the same financial institution).

The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.

The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.

Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Systems and methods for real-time payment on delivery via a request for payment are disclosed. In one embodiment, a method may include: receiving, at a merchant application associated with a merchant, an order for a good to be submitted to a distributor; communicating, to a payment on demand (POD) application executed by a backend, the order; receiving, at the merchant application and from the POD application, a notification that a delivery vehicle for the good is en route to a merchant location; receiving, at the merchant application and from the POD application, a request for payment for the good after the good is delivered, wherein the distributor confirms delivery with the POD application; and communicating, by the merchant application and to the POD application, receipt of the good from the distributor; wherein the POD application executes payment for the good from a merchant account to a distributor account.

Systems, computer program products, and methods are described herein for routing data processing among different processing channels based on source-error probabilities. The present invention is configured to receive a data processing job comprising at least one data processing item; determine a first source of the at least one data processing item; determine a source error probability associated with the first source; and based on the determined source error probability, route the data processing item for data processing to an automated data processing network or a manual data processing network.

Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer's mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant's mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.

The disclosure describes an apparatus having programmed instructions that when executed cause the apparatus to receive, via a communication network, a paper check image and payer information captured by an application at a device associated with a checking account holder; build an image file using the received paper check image and payer information; send the built image file to a payee financial institution server using the received payer information; and transmit payment confirmation to the device associated with the checking account holder.

In one embodiment, software is operable to identify checking account information from a repository, with the checking account information associated with a transaction. The software automatically generates an electronic check image based, at least in part, on the transaction and the identified checking account information. The software is then operable to communicate the electronic check image to a bank of first deposit for deposit.

The embodiment of the present disclosure discloses a method and device for displaying information. A specific mode of execution for the method comprises the following steps: in response to the detection of a first preset operation performed by a first user on the page of a second user, sending operation prompt information to a terminal device used by the first user, the page of the second user being used for exhibiting contents shared by the second user, the first preset operation being used for requesting to add a user label corresponding to the second user for the first user; in response to the detection of the second preset operation completed by the first user, adding the user label for the first user; generating an initial associated value used for indicating the association degree between the first user and the second user, and displaying the initial associated value on the page.