Bill Payment Using Check Image

A method comprising:

• generating a bill payment request associated with a bill payment account held at a first organization, said bill payment request comprising a balance due amount;
• transmitting said bill payment request to a wireless computing device associated with an account holder of said bill payment account;
• determining whether said account holder of said bill payment account holds a funding account at said first organization;
• transmitting a request for an image of a face of a check in response to a determination that said account holder of said bill payment account does not hold said funding account at said first organization;
• receiving an electronic image of said face of a check wherein said check corresponds to a funding account held at a second organization;
• extracting a routing number and an account number from said electronic image;
• and
• processing a transaction using said routing number and said account number to pay at least a portion of said balance due amount, said transaction occurring between said first organization and said second organization.

A non-transitory computer-readable storage media having stored thereon, a computer program having at least one code section for processing data, said at least one code section being executable by a processor of a computing device for causing said computing device to perform:

• generating a bill payment request associated with a bill payment account held at a first organization, said bill payment request comprising a balance due amount;
• transmitting said bill payment request to a wireless computing device associated with an account holder of said bill payment account;
• determining whether said account holder of said bill payment account holds a funding account at said first organization;
• transmitting a request for an image of a face of a check in response to a determination that said account holder of said bill payment account does not hold said funding account at said first organization;
• receiving an electronic image of said face of a check wherein said check corresponds to a funding account held at a second organization;
• extracting a routing number and an account number from said electronic image;
• and
• processing a transaction using said routing number and said account number to pay at least a portion of said balance due amount, said transaction occurring between said first organization and said second organization.