US Patent No: 7,876,949

Number of patents in Portfolio can not be more than 2000

Systems and methods for remote deposit of checks

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Abstract

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Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)SAN ANTONIO, TX558

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Harpel, Greg Alan - 8 34
Morlen, Randy Ray - 13 54
Morris, Michael Frank - 13 80
Nuggehalli, R Bharat Prasad - 7 52
Oakes,, III Charles Lee - 29 191

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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6,314,452 System and method for transmitting a digital image over a communication network 128 1999
 
Saepio Technologies, Inc. (1)
6,931,591 Publishing layout wizard 63 1999
 
SAMSUNG ELECTRONICS CO., LTD. (1)
2008/0119,178 Allocating Compression-Based Firmware Over the Air 36 2007
 
SCOSCHE INDUSTRIES, INC. (1)
6,672,452 DVD storage album 42 2002
 
SEARETE LLC (1)
2006/0229,976 Virtual credit with transferability 62 2005
 
SETRIX AKTIENGESELLSCHAFT (1)
2005/0269,412 Method of detecting the presence of figures and methods of managing a stock of components 47 2005
 
Shell & Slate Software, Inc. (1)
2006/0110,063 Method and apparatus for processing image data 43 2006
 
SIDESTEP, INC. (1)
2001/0054,020 Method and apparatus for dynamic information connection engine 150 2001
 
SKYLINE DATA, INC. (1)
2007/0194,102 Decentralized system and method for the remote capture, processing and transmission of Check 21 compliant checking document information 47 2006
 
SONY ERICSSON MOBILE COMMUNICATIONS JAPAN (1)
2005/0168,566 Image processing device image processing program and image processing method 45 2004
 
STAMPS.COM INC. (1)
6,199,055 System and method for providing fault tolerant transcriptions over an unsecured communication channel 54 1997
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 245 1998
 
SYNOPSYS, INC. (1)
6,961,689 Scheduling non-integral simulation time for mixed-signal simulation 39 2000
 
T-INK, INC. (1)
6,188,506 Conductive color-changing ink 45 1998
 
TALARIS HOLDINGS LIMITED (1)
2005/0108,168 Method and apparatus for processing checks 64 2004
 
TELECHECK INTERNATIONAL, INC. (1)
5,679,938 Methods and systems for interactive check authorizations 288 1994
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
7,477,923 Exchangeable module for additional functionality 34 2003
 
THE 41ST PARAMETER, INC. (1)
2008/0002,911 Methods and Apparatus for Securely Displaying Digital Images 39 2007
 
THE BANK OF FAYETTEVILLE (1)
2005/0171,907 Interconnected remote banking facilities and method 38 2004
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (1)
2005/0171,899 Electronic payment clearing and check image exchange systems and methods 65 2004
 
The Standard Register Company (1)
6,413,305 Thermochromic ink composition 48 2000
 
THINK TEK, INC. (1)
2003/0139,999 Method and apparatus for facilitating monetary and commercial transactions 44 2003
 
THIRD ACT LLC (1)
2004/0093,303 Third party debit card 106 2003
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
2005/0131,820 E-check and e-commerce 45 2003
 
TRANSSEC DATA LIMITED LIABILITY COMPANY (1)
2001/0047,330 Electronic payment system employing selectively activatable limited-use account number 70 2001
 
TRW Financial Systems, Inc. (1)
4,205,780 Document processing system and method 396 1978
 
UBS FINANCIAL SERVICES, INC. (1)
2006/0047,593 Method and system for funds management 95 2004
 
UNISYS CORPORATION (1)
2005/0038,754 Methods for authenticating self-authenticating documents 42 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
2002/0178,112 Point of sale check service 119 2001
 
VISIONEER, INC. (1)
2002/0075,524 Combination scanner and image data reader system including image management, software, and internet based image management method 45 2001
 
VLADIMIR MATENA (1)
2004/0158,549 Method and apparatus for online transaction processing 104 2004
 
WINCOR NIXDORF INTERNATIONAL GMBH (1)
6,755,340 Method and arrangement for processing negotiable instruments 34 2001
 
WISTRON CORPORATION (1)
6,574,609 Secure electronic content management system 275 1998
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 141 2004
 
X-RITE, INCORPORATED (1)
2004/0078,299 Portable color and style analysis, match and management system 70 2003
 
XEROX CORPORATION (1)
2006/0039,629 Document registration and skew detection system 42 2005
 
YAHOO! INC. (1)
2007/0077,921 Pushing podcasts to mobile devices 66 2006
 
YOUNG AMERICA, LLC (1)
5,924,737 Postcard check 84 1996
 
Other [Check patent profile for assignment information] (51)
4,305,216 Holder for vehicle service reminder card and the like 52 1979
4,790,475 Reusable stationery carrier 43 1982
4,636,099 Document holder with preprinted locating aid 54 1985
4,644,144 Document carrier envelope 41 1985
4,927,071 Document carrier 42 1989
5,053,607 Point-of-sale device particularly adapted for processing checks 350 1989
5,022,683 Check insert and envelope 37 1989
5,419,588 Document backer 39 1991
5,630,073 Personal account tracking system 80 1994
5,598,969 Folder insert 50 1995
5,594,225 Methods and systems for conducting financial transactions via facsimile 127 1995
6,304,860 Automated debt payment system and method using ATM network 187 1997
6,243,689 System and method for authorizing electronic funds transfer at a point of sale 138 1998
6,278,983 Automated resource allocation and management system 95 1999
6,282,826 Protective holder and method of using same 55 1999
6,789,054 Geometric display tools and methods for the visual specification, design automation, and control of adaptive real systems 157 1999
6,470,325 Method and data processing system for managing a mutual fund brokerage 59 1999
6,390,362 Method and device for preventing check fraud 130 1999
6,397,196 Hybrid installment loan/savings account 51 1999
6,464,134 System and method for verifying the authenticity of a check and authorizing payment thereof 84 1999
2002/0052,853 Transportation system for on-line transactions 59 2001
2002/0116,329 Systems and methods for approval of credit/debit account transactions using a wireless device 82 2001
2002/0032,656 System and method for providing automatic teller machine services to multiple financial institutions 54 2001
2002/0120,562 Electronic postal money order method and system 41 2001
2002/0072,974 System and method for displaying and selling goods and services in a retail environment employing electronic shopper aids 207 2001
2003/0167,225 Favored client advance with audit protection method 85 2002
2004/0010,466 Financial instrument system providing multiple transaction information reporting and storing options and fraud and warranty protection 45 2002
2003/0055,756 Method of making money payments 53 2002
2003/0075,916 Corner protectors and method for making same 34 2002
7,299,970 Method and apparatus for transferring and processing transaction data 83 2003
2004/0245,324 Document holder with a retaining pocket to prevent falling of documents from the document holder 34 2003
2004/0057,697 Streaming digital recording system 38 2003
2005/0177,518 Electronic funds transfer and electronic bill receipt and payment system 37 2004
2005/0252,955 Recyclable single-sheet mailer 41 2004
2005/0278,250 Transaction processing payment system 35 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 169 2004
7,497,429 Document carrier and system for use therewith 35 2004
2006/0102,704 Document carrier and system for use therewith 42 2004
2005/0044,042 Financial transaction system and method using electronic messaging 52 2004
2006/0059,085 METHOD, SYSTEM, AND COMPUTER PROGRAM FOR ON-DEMAND SHORT TERM LOAN PROCESSING AND OVERDRAFT PROTECTION 89 2004
2006/0206,506 Expenditure accounting management system and method 37 2005
2006/0229,986 Financial account that reduces paper check usage 35 2005
2007/0143,208 Automatic Teller Machine as Lead Source 34 2005
2006/0144,924 Negotiable instrument with fraud protection 41 2006
2006/0238,503 Deputy series-music cinema or transfortainment PC (phirst classic) or Digi-Tasking Mobile-Cycle devices for maximum digital mobilosity or the digital entertaining PC or the all digital activity center or satellite entertainment mogul or satellite entertainment PC (phirst classic) 38 2006
2007/0080,207 AUTOMATED CHECK CASHING AND LOAN PROCESSING ATM SYSTEM AND METHODOLOGY 41 2006
2007/0016,796 Systems and methods for remote user authentication 44 2006
2007/0086,643 Secure financial report and method of processing and displaying the same 35 2006
2007/0168,265 METHOD, TRANSACTION CARD OR IDENTIFICATION SYSTEM FOR TRANSACTION NETWORK COMPRISING PROPRIETARY CARD NETWORK, EFT, ACH, OR ATM, AND GLOBAL ACCOUNT FOR END USER AUTOMATIC OR MANUAL PRESETTING OR ADJUSTMENT OF MULTIPLE ACCOUNT BALANCE PAYOFF, BILLING CYCLES, BUDGET CONTROL AND OVERDRAFT OR FRAUD PROTECTION FOR AT LEAST ONE TRANSACTION DEBIT USING AT LEAST TWO RELATED FINANCIAL ACCOUNTS TO MAXIMIZE BOTH END USER CONTROL AND GLOBAL ACCOUNT ISSUER FEES FROM END USERS AND MERCHANTS, INCLUDING ACCOUNT, TRANSACTION AND INTERCHANGE FEES 91 2006
2008/0063,253 SLEEVE FOR CAPTURING CHECK IMAGES 37 2007
2009/0173,781 Banking system controlled responsive to data bearing records 38 2008

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (19)
8,799,147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 0 2006
8,708,227 Systems and methods for remote deposit of checks 1 2006
8,351,677 Systems and methods for remote deposit of checks 3 2006
8,433,127 Systems and methods for real-time validation of check image quality 1 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 2 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 9 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 4 2007
8,351,678 Duplicate check detection 4 2008
8,417,629 Systems and methods for remote deposit service 0 2008
8,422,758 Systems and methods of check re-presentment deterrent 3 2008
8,391,599 Systems and methods for adaptive binarization of an image 2 2008
8,452,689 Systems and methods of check detection 2 2009
8,542,921 Systems and methods for remote deposit of negotiable instrument using brightness correction 1 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 1 2009
8,392,332 Systems and methods for remote deposit of checks 2 2010
8,464,933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8,837,806 Remote deposit image inspection apparatuses, methods and systems 0 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 2 2011
8,611,635 Duplicate check detection 1 2012
 
BANK OF AMERICA, N.A. (1)
8,510,221 Intelligent ATM check image deposit engine 0 2010
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 2 2007

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