Systems and methods for check representment prevention

A system comprising:

• a memory;
• and,
• a processor in communication with the memory, the processor configured to:
• receive from a customer computer a request to make a deposit;
• send a software component to the customer computer;
• receive, through the software component, an image of a payor check and a log file including check identification data, wherein the image of the payor check is in a first data format;
• perform optical character recognition (OCR) on the image of the payor check;
• obtain financial institution information from the OCR on the image of the payor check;
• compare the financial institution information against a list of valid financial institutions;
• validate the image of the payor check for continued processing based on the comparison of the financial institution information against the list of valid financial institutions;
• generate the image of the payor check into a secondary image in a second data format, wherein the second data format is a lower image quality data format compared to the first data format;
• store the image of the payor check and the secondary image of the payor check in the log file;
• build a subset from a larger group of available deposit transactions, the subset including one or more previous deposit transactions that occurred in a predetermined time interval adjacently preceding the request to make a deposit;
• automatically electronically compare the check identification data included in the log file against check identification data included in the subset;
• automatically electronically flag a deposit transaction associated with said payor check as involving a potential duplicate check if said check identification data included in the log file matches said check identification data included in the subset;
• automatically electronically soft post a deposit of funds associated with an amount of said payor check into a customer account regardless of whether the deposit transaction associated with said payor check is flagged as involving a potential duplicate check;
• automatically electronically confirming the check identification data included in the log file against the check identification data included in the subset;
• receive an indication that said payor check is a duplicate check based on confirming the check identification data included in the log file matches the check identification data included in the subset, and subsequently reverse said soft posting the deposit of funds associated with said amount of said payor check into said customer account;
• and
• access the secondary image stored in the log file during a check detection process.