Systems and methods for managing throughput of point of sale devices

A method for processing a financial transaction, the method comprising:

• converting a payment associated with the financial transaction into electronic data that allows at least a portion of subsequent processing of the financial transaction to be performed electronically wherein the electronic data comprises record data and authorization data;
• storing the record data while an authorization process for the financial transaction is performed thereby allowing the authorization process to be performed efficiently by not having to transfer the record data along with the authorization data wherein such storing of the record data allows efficient batch processing of a plurality of non-face-to-face payments;
• and
• performing at least one function that mitigates an adverse condition of a throughput associated with processing of the plurality of non-face-to-face payments and wherein performing at least one function comprises suspending processing of unprocessed checks when a level of stored record data exceeds a specified level.

An apparatus for processing a financial transaction, comprising:

• means for converting a payment associated with the financial transaction into electronic data that allows at least a portion of subsequent processing of the financial transaction to be performed electronically wherein the electronic data comprises record data and authorization data;
• means for determining whether a throughput of a location-base device processing a plurality of the financial transactions is affected in an adverse manner;
• and
• means for mitigating at least some of the adverse effects on the throughput of the location-base device thereby allowing batch processing of a plurality of non-face-to-face transactions and wherein the means for mitigating comprises suspending processing of unprocessed checks when a level of stored data exceeds a specified level.