Deluxe Corporation

Kurt Andrew Mangold

Christopher Wade Clausen

The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. Enrollment information is received from a payor, and a secure portal is provided to authenticate electronic payment instructions from the payor. When instructions for a payment are received via the portal, risk for the payment is assessed. If funding for the payment is positively assessed, the present subject matter composites a front and back image of the check and performs an endorsement of the check. Electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. Select data on the check image pairs is anonymized, and an electronic deposit is performed in the amount of the payment to at least one payee.

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Rochester, NY, United States of America

Kurt Andrew Mangold