Scannable check management service

A data access system, the system comprising:

• a plurality of physical checks each including a unique scannable code;
• a processor;
• and
• a non-transitory memory in communication with the processor, the memory configured to store:
• a plurality of associations, each association relating one of the unique scannable codes with a user to whom the physical check including the unique scannable code is issued;
• and
• a plurality of instructions that, when executed by the processor, cause the processor to:
• receive login data identifying a private account from among a plurality of private accounts from a client device;
• process the login data to log a user into the private account;
• send data enabling an account app to access the private account to the client device in response to the processing;
• receive data identifying one of the unique scannable codes from the account app of the client device;
• analyze the data identifying the unique scannable code to identify one of the plurality of private accounts to which a check including the unique scannable code printed thereon was assigned;
• determine whether the private account identified in the login data is the one of the plurality of private accounts to which the check was assigned by comparing the login data with the one of the plurality of private accounts to which the check was assigned;
• in response to determining that the private account identified in the login data is the one of the plurality of private accounts to which the check was assigned:
• permit the account app of the client device to access private account functionality associated with the check, the private account functionality including at least memo creation functionality,
• receive a message from the account app through the memo creation functionality, and
• store the message as a memo for the check in the memory;
• and
• in response to determining that the private account identified in the login data is not the one of the plurality of private accounts to which the check was assigned, causing, by the processor, the account app of the client device to display the message associated with the memo without providing access to the private account functionality.

A user device comprising:

• an input element configured to receive a user input;
• a scanning element configured to scan a scannable code;
• a processor in communication with the input element and the scanning element;
• and
• a non-transitory memory in communication with the processor, the memory configured to store a plurality of instructions that, when executed by the processor, cause the processor to:
• receive account login data as the user input from the input element;
• receive a scan of the scannable code from the scanning element;
• send at least one message including data identifying a requesting user associated with the account login and data identifying the scannable code;
• receive a response to the at least one message comprising data access instructions;
• and
• process the data access instructions to:
• access a private account in response to the data access instructions being based on an association between the requesting user and the scannable code, the private account providing an interface configured to receive a message to be stored as a memo for a check on which the scannable code is provided;
• and
• access a message associated with the scannable code in response to the data access instructions being based on a lack of the association between the requesting user and the scannable code.