Systems and methods of remote payment for stored value settlement

A method for processing a check image for deposit, using at least one computer associated with an account issuer, comprising:

• receiving a deposit request for a check, from a mobile device associated with a consumer, the deposit request comprising an account identifier and a check image;
• determining whether the deposit request exceeds at least one limit;
• based on the determining step, sending the deposit request to a computer associated with a check decision provider;
• and
• receiving a response from the computer associated with the check decision provider,
• wherein if the response comprises a denial, sending a message to the mobile device indicating that the deposit request associated with the check image can be attempted again.

A system for processing a check image for deposit, comprising:

• at least one processor, and
• a memory containing instructions that, when executed by the at least one processor, cause the at least one processor to perform a method comprising:
• receiving, from a mobile device associated with an account holder, a deposit request for a check, the deposit request comprising an account identifier and a check image;
• and
• performing an image quality analysis, using the check image;
• performing, a check decision authorization process, using the account identifier and at least one identity data source;
• determining whether the deposit request exceeds at least one limit;
• and
• if not, determining whether the image quality analysis and check decision authorization process were successful, and
• if so, determining whether an account issuer associated with the account identifier uses warranty processing or self-risk processing:
• if the account issuer uses warranty processing, creating and sending an image file associated with the check to a bank associated with the check decision provider, and sending an approval response to a bank associated with the account issuer;
• and
• if the account issuer uses self-risk processing, creating and sending an image file associated with the check to a bank associated with the account issuer.

A system for processing a check image for deposit comprising:

• at least one processor;
• and
• a memory containing instructions that, when executed by the at least one processor, cause the at least one processor to perform a method comprising:
• receiving a deposit request for a check, from a mobile device associated with a consumer, the deposit request comprising an account identifier and a check image;
• determining whether the deposit request exceeds at least one limit;
• based on the determining step, sending the deposit request to a computer associated with a check decision provider;
• and
• receiving a response from the computer associated with the check decision provider,
• wherein if the response comprises a denial, sending a message to the mobile device indicating that the deposit request associated with the check image can be attempted again.