Electronic Payment System Operative with Existing Accounting Software and Existing Remote Deposit Capture and Mobile RDC Software

摘要

Methods and systems for providing an electronic payment to a payee on behalf of a payer. A transaction management system (TMS) receives payments data from an accounting system. The payments data is processed to determine if a payee has opted-in to receive electronic payments. If so, an electronic payment instruction is generated. If the payee has opted-out or is not in a payee file, a print file is generated for printing a conventional paper check. The payee is notified of the payment and can access the system to view a list of payments and remittance information. The payee can indicate a status for a payment on the list, e.g. accept or dispute the electronic payment. In response to selecting a payment in the payments list, the payee is provided with a view of an electronic check representation generated from the electronic payment instruction. The payer can access the payment status in the system to determine if a payment has been accepted. If accepted, the electronic payment instruction is transmitted to a payment recipient system in the form of electronic check representation.