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

1 Status Updates

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)SAN ANTONIO, TX569

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Harpel, Greg Alan - 8 38
Morlen, Randy Ray - 14 61
Morris, Michael Frank - 13 88
Nuggehalli, R Bharat Prasad - 7 59
Oakes,, III Charles Lee - 32 213

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (50)
4,790,475 Reusable stationery carrier 46 1982
4,636,099 Document holder with preprinted locating aid 56 1985
4,644,144 Document carrier envelope 43 1985
4,927,071 Document carrier 44 1989
5,053,607 Point-of-sale device particularly adapted for processing checks 358 1989
5,022,683 Check insert and envelope 39 1989
5,419,588 Document backer 41 1991
5,630,073 Personal account tracking system 82 1994
5,598,969 Folder insert 52 1995
5,594,225 Methods and systems for conducting financial transactions via facsimile 134 1995
6,304,860 Automated debt payment system and method using ATM network 195 1997
6,243,689 System and method for authorizing electronic funds transfer at a point of sale 141 1998
6,278,983 Automated resource allocation and management system 97 1999
6,282,826 Protective holder and method of using same 58 1999
6,789,054 Geometric display tools and methods for the visual specification, design automation, and control of adaptive real systems 160 1999
6,470,325 Method and data processing system for managing a mutual fund brokerage 61 1999
6,390,362 Method and device for preventing check fraud 134 1999
6,397,196 Hybrid installment loan/savings account 53 1999
* 6,464,134 System and method for verifying the authenticity of a check and authorizing payment thereof 87 1999
2002/0052,853 Transportation system for on-line transactions 61 2001
2002/0116,329 Systems and methods for approval of credit/debit account transactions using a wireless device 84 2001
2002/0032,656 System and method for providing automatic teller machine services to multiple financial institutions 56 2001
2002/0120,562 Electronic postal money order method and system 43 2001
2002/0072,974 System and method for displaying and selling goods and services in a retail environment employing electronic shopper aids 210 2001
2003/0167,225 Favored client advance with audit protection method 87 2002
2004/0010,466 Financial instrument system providing multiple transaction information reporting and storing options and fraud and warranty protection 47 2002
2003/0055,756 Method of making money payments 55 2002
2003/0075,916 Corner protectors and method for making same 36 2002
7,299,970 Method and apparatus for transferring and processing transaction data 85 2003
2004/0245,324 Document holder with a retaining pocket to prevent falling of documents from the document holder 36 2003
2004/0057,697 Streaming digital recording system 40 2003
2005/0177,518 Electronic funds transfer and electronic bill receipt and payment system 39 2004
2005/0252,955 Recyclable single-sheet mailer 43 2004
2005/0278,250 Transaction processing payment system 37 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 176 2004
7,497,429 Document carrier and system for use therewith 37 2004
2006/0102,704 Document carrier and system for use therewith 44 2004
2005/0044,042 Financial transaction system and method using electronic messaging 55 2004
2006/0059,085 METHOD, SYSTEM, AND COMPUTER PROGRAM FOR ON-DEMAND SHORT TERM LOAN PROCESSING AND OVERDRAFT PROTECTION 91 2004
2006/0206,506 Expenditure accounting management system and method 39 2005
2006/0229,986 Financial account that reduces paper check usage 37 2005
2007/0143,208 Automatic Teller Machine as Lead Source 36 2005
2006/0144,924 Negotiable instrument with fraud protection 43 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) 40 2006
2007/0080,207 AUTOMATED CHECK CASHING AND LOAN PROCESSING ATM SYSTEM AND METHODOLOGY 44 2006
2007/0016,796 Systems and methods for remote user authentication 48 2006
2007/0086,643 Secure financial report and method of processing and displaying the same 37 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 93 2006
2008/0063,253 SLEEVE FOR CAPTURING CHECK IMAGES 39 2007
2009/0173,781 Banking system controlled responsive to data bearing records 41 2008
 
FUJI PHOTO FILM CO., LTD. (1)
5,611,028 Image processing method and system for coloring an image with groups of colors which produce a desired impression 59 1994
 
SHORE DEARY, L.L.P. (2)
5,910,988 Remote image capture with centralized processing and storage 421 1997
6,032,137 Remote image capture with centralized processing and storage 346 1998
 
HUNTINGTON NATIONAL BANK, THE (1)
5,583,759 Mechanism for expediting the deposit, transport and submission of checks into the payment system 194 1995
 
BROCHE DATA MANAGEMENT LLC (1)
6,170,744 Self-authenticating negotiable documents 147 1998
 
ATC REALTY FIFTEEN, INC. (3)
6,145,738 Method and apparatus for automatic check cashing 205 1997
6,786,398 Method and apparatus for automatic cashing of a negotiable instrument 123 2000
6,695,204 Method and apparatus for automatic check cashing 56 2000
 
HEWLETT-PACKARD COMPANY (1)
2002/0118,891 Object based cursors for scan area selection 44 2001
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (8)
5,680,611 Duplicate record detection 98 1995
5,832,463 Automated system and method for checkless check transaction 298 1996
6,151,426 Click and select user interface for document scanning 65 1998
2002/0138,522 Electronic messaging system 38 2001
6,844,885 Image editing via grid elements 50 2001
2004/0080,795 Apparatus and method for image capture device assisted scanning 58 2002
2005/0033,685 Method and system for effecting payment by checks through the use of image replacement documents 43 2003
2005/0188,306 Associating electronic documents, and apparatus, methods and software relating to such activities 69 2005
 
BLACKBERRY LIMITED (1)
7,489,953 Mobile communication device 39 2005
 
COMPUCREDIT INTELLECTUAL PROPERTY HOLDINGS CORP. II (1)
7,249,076 Method for providing credit offering and credit management information services 89 2001
 
ADVANTOR SYSTEMS, LLC (1)
2003/0005,326 Method and system for implementing a security application services provider 117 2001
 
MOORE BUSINESS FORMS, INC. (1)
4,975,735 Document carrier form for scanning and microfilming operations 49 1990
 
OFFICIAL PAYMENTS CORPORATION (1)
5,870,724 Targeting advertising in a home retail banking delivery service 465 1995
 
BIOMETRIC PAYMENT SOLUTIONS, LLP (1)
6,728,397 Check verification system 101 1999
 
GFINET, INC. (1)
6,317,727 Systems, methods and computer program products for monitoring credit risks in electronic trading systems 382 1998
 
INTELLECTUAL VENTURES FUND 83 LLC (1)
6,643,416 Method for determining necessary resolution for zoom and crop images 61 1999
 
SETRIX AKTIENGESELLSCHAFT (1)
2005/0269,412 Method of detecting the presence of figures and methods of managing a stock of components 49 2005
 
VULCAN PORTALS, INC. (2)
7,290,034 Method and system for polling a server for new emails, downloading the new emails in a background process, and caching the downloaded emails for access by an email application of an electronic device, such as a portable computer 47 2004
7,536,440 Method and system for email synchronization for an electronic device 50 2004
 
SCOSCHE INDUSTRIES, INC. (1)
6,672,452 DVD storage album 44 2002
 
SEIKO EPSON CORPORATION (4)
6,902,105 Negotiable instrument processing device, negotiable instrument processing method and negotiable instrument processing system 53 2002
2005/0033,695 Check processing apparatus, program, electronic payment system, and check processing method 50 2004
2007/0019,243 Image Processing Apparatus And Image Processing Method 41 2006
2009/0252,437 Image Skew Detection Apparatus And Methods 42 2008
 
CLISE, Timothy B. (1)
2005/0097,046 Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system 134 2004
 
CCIP CORP. (2)
7,325,725 Stored value card account transfer system 37 2005
2008/0021,802 METHOD FOR PROVIDING CREDIT OFFERING AND CREDIT MANAGEMENT INFORMATION SERVICES 52 2007
 
OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE LIMITED (2)
2007/0255,652 Mobile Person-to-Person Payment System 127 2007
2007/0255,653 Mobile Person-to-Person Payment System 163 2007
 
XEROX CORPORATION (1)
2006/0039,629 Document registration and skew detection system 44 2005
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1392 1989
 
International Computers Limited (2)
5,157,620 Method for simulating a logic system 50 1989
6,097,885 Digital system simulation 53 1997
 
DATATREASURY CORPORATION (2)
5,930,778 System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the point of receipt 261 1996
7,512,564 System for effecting the payment of paper and electronic financial instruments received at a payment facility 43 2004
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
2009/0171,825 SYSTEMS AND METHODS FOR PROCESSING A PAYMENT TRANSACTION 36 2007
 
VISIONEER, INC. (1)
2002/0075,524 Combination scanner and image data reader system including image management, software, and internet based image management method 48 2001
 
SEARETE LLC (1)
2006/0229,976 Virtual credit with transferability 67 2005
 
DAYCO IP HOLDINGS, LLC (1)
6,682,452 Belt tensioner with pivot bushing 43 2002
 
ISLAND INTELLECTUAL PROPERTY LLC (1)
2005/0228,733 Systems and methods for managing client accounts 121 2005
 
THE 41ST PARAMETER, INC. (1)
2008/0002,911 Methods and Apparatus for Securely Displaying Digital Images 41 2007
 
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 49 2006
 
TELECHECK INTERNATIONAL, INC. (1)
5,679,938 Methods and systems for interactive check authorizations 294 1994
 
LG ELECTRONICS INC. (1)
7,343,320 Online digital image-based product ordering system 65 1999
 
BRODIA GROUP, THE (1)
2002/0052,841 Electronic payment system 119 2001
 
UBS FINANCIAL SERVICES, INC. (1)
2006/0047,593 Method and system for funds management 98 2004
 
SHARP KABUSHIKI KAISHA (2)
6,429,952 Browser interface to scanner 73 1998
2005/0078,336 Scan description language 38 2003
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
7,477,923 Exchangeable module for additional functionality 36 2003
 
C & S TECHNOLOGY (1)
2004/0170,259 Internet video phone 41 2003
 
Avalon International, Inc. (1)
2007/0288,382 Check21 image based document and processing system 97 2007
 
THE BANK OF FAYETTEVILLE (1)
2005/0171,907 Interconnected remote banking facilities and method 40 2004
 
YOUNG AMERICA, LLC (1)
5,924,737 Postcard check 109 1996
 
III HOLDINGS 1, LLC (1)
2007/0241,179 Negotiable instruments and systems and processing same 35 2003
 
EBAY INC. (2)
6,450,403 Method and apparatus for depositing ordinary checks from home or office 58 2001
2002/0084,321 METHOD AND APPARATUS FOR DEPOSITING ORDINARY CHECKS FROM HOME OR OFFICE 59 2001
 
DIGIMARC CORPORATION (1)
2006/0115,110 Authenticating identification and security documents 56 2005
 
MCAFEE, INC. (1)
6,742,128 Threat assessment orchestrator system and method 112 2002
 
GLOBAL 1 ENTERPRISES, INC. (1)
2009/0281,904 MOBILE TELEPHONE TRANSACTION SYSTEMS AND METHODS 70 2009
 
VECTORSGI, INC. (4)
2006/0112,013 Method and system for verifying check images 61 2004
7,447,347 Method and system for retaining MICR code format 43 2005
7,548,641 System and method for embedding check data in a check image 44 2005
2007/0050,292 System and method for consumer opt-out of payment conversions 44 2005
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 386 1998
 
JETQUE (2)
6,781,962 Apparatus and method for voice message control 79 2002
2004/0252,679 Stored voice message control extensions 182 2003
 
ONTRACK MANAGEMENT SYSTEMS, INC. (2)
5,737,440 Method of detecting a mark on a oraphic icon 69 1995
5,917,931 Expenditure tracking check 53 1997
 
MONEYGRAM PAYMENT SYSTEMS, INC. (1)
2005/0086,168 Systems and methods for money sharing 49 2004
 
HYSARE MGMT. NY, L.L.C. (1)
7,016,704 Coordinating images displayed on devices with two or more displays 91 2002
 
H&R BLOCK SERVICES, INC. (1)
7,010,507 System providing funds to electronic tax filers prior to receipt of refund 100 1995
 
MOSIDIO FUND III, LIMITED LIABILITY COMPANY (1)
6,970,843 Financial management system 90 2000
 
DIEBOLD, INCORPORATED (3)
2001/0014,881 Automated transaction machine and method 68 2001
6,726,097 Automated transaction machine system 44 2003
7,140,539 Check accepting and cash dispensing automated banking machine system and method 38 2005
 
CITICORP DEVELOPMENT CENTER, INC. (2)
6,073,119 Method and system for banking institution interactive center 132 1997
6,417,869 Method and system of user interface for a computer 91 1999
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (2)
5,422,467 Article depositing apparatus 103 1993
7,377,425 Method and system of evaluating checks deposited into a cash dispensing automated banking machine 52 2006
 
CANON KABUSHIKI KAISHA (3)
4,727,435 Image information processing system 63 1985
5,610,726 Image processing system 43 1995
2006/0279,628 Streaming non-continuous video data 87 2004
 
The Standard Register Company (1)
6,413,305 Thermochromic ink composition 50 2000
 
MITSUBISHI CHEMICAL CORPORATION (1)
2004/0024,708 Remittance management system, a settlement management system, a remittance management method, a settlement management method and a computer program thereof 36 2003
 
THIRD ACT LLC (1)
2004/0093,303 Third party debit card 109 2003
 
CISCO TECHNOLOGY, INC. (1)
2005/0044,577 User input for access to television services 84 2004
 
SONY ERICSSON MOBILE COMMUNICATIONS JAPAN (1)
2005/0168,566 Image processing device image processing program and image processing method 47 2004
 
SIDESTEP, INC. (1)
2001/0054,020 Method and apparatus for dynamic information connection engine 152 2001
 
NORTH CAROLINA LOCAL GOVERNMENT EMPLOYEES FEDERAL CREDIT UNION (1)
2005/0289,030 System and method for financial institution account deposits via retail merchants 66 2004
 
INTEL CORPORATION (1)
6,339,658 Error resilient still image packetization method and packet structure 97 1999
 
GLOBAL CASH ACCESS, INC. (1)
7,461,780 System and method for checkless cash advance settlement 55 2005
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (1)
2005/0171,899 Electronic payment clearing and check image exchange systems and methods 67 2004
 
ADVANCED SOFTWARE DESIGN CORPORATION (4)
7,004,382 Payment validation network 107 2003
2004/0089,711 Payment validation network 4 2003
2004/0089,711 Payment validation network 4 2003
2004/0089,711 Payment validation network 4 2003
 
FMR LLC (1)
2005/0149,436 Financial account management 61 2003
 
AVAGO TECHNOLOGIES GENERAL IP (SINGAPORE) PTE. LTD. (1)
2007/0082,700 Method of using mobile communications devices for monitoring purposes and a system for implementation thereof 51 2005
 
ECHECK21, L.L.C. (2)
7,113,925 Electronic check 93 2005
2007/0022,053 Electronic Check 58 2006
 
STAMPS.COM INC. (1)
6,199,055 System and method for providing fault tolerant transcriptions over an unsecured communication channel 59 1997
 
MICRODEVERSITY LLC (1)
2005/0033,645 Virtual cashier 46 2001
 
NEC CORPORATION (1)
7,062,768 Dynamic load-distributed computer system using estimated expansion ratios and load-distributing method therefor 61 2002
 
INTERNATIONAL FINANCIAL SERVICES, INC. (1)
2005/0108,164 System and method to create electronic deposit records and to track the status of a deposit 95 2004
 
PHOENIX CHECK CASHING, INC. (1)
6,957,770 System and method for biometric authorization for check cashing 74 2002
 
GRAPHIC ARTS TECHNICAL FOUNDATION (1)
5,830,609 Security printed document to prevent unauthorized copying 63 1996
 
INTUIT INC. (1)
5,903,881 Personal online banking with integrated online statement and checkbook user interface 508 1997
 
AFFILIATED COMPUTER SERVICES, INC. (1)
6,038,553 Self service method of and system for cashing checks 255 1997
 
CARREKER CORPORATION (2)
5,237,159 Electronic check presentment system 314 1991
5,691,524 Electronic check presentment system having a non-ECP exceptions notification system incorporated therein 121 1996
 
SANYO ELECTRIC CO., LTD. (2)
2006/0214,940 Display irregularity correction method 43 2004
2007/0171,288 Image correction apparatus and method, image correction database creating method, information data provision apparatus, image processing apparatus, information terminal, and information database apparatus 64 2005
 
NEDERLANDSE ORGANISATIE VOOR TOEGEPAST-NATUURWETENSCHAPPELIJK ONDERZOEK TNO (1)
2004/0024,626 System and method for processing transaction data 37 2003
 
ALCATEL (1)
2001/0042,171 Caching of files during loading from a distributed file system 47 2001
 
EARTH CLASS MAIL CORPORATION (1)
2009/0313,167 SYSTEMS FOR ELECTRONIC DEPOSIT OF FINANCIAL INSTRUMENTS AND ASSOCIATED METHODS 38 2009
 
OPEN SOLUTIONS INC. (1)
5,602,936 Method of and apparatus for document data recapture 265 1995
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
5,504,538 Video signal processor for controlling the brightness and contrast of a display device 56 1994
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2007/0129,955 SYSTEM AND METHOD FOR ISSUING AND USING A LOYALTY POINT ADVANCE 58 2006
 
Bottomline Technologies (DE) Inc. (1)
2006/0080,245 Negotiable instrument clearing server and method 53 2005
 
LEVEL 3 COMMUNICATIONS, LLC (1)
6,587,837 Method for delivering electronic content from an online store 361 1998
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 249 1998
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
2002/0178,112 Point of sale check service 123 2001
 
SAMSUNG ELECTRONICS CO., LTD. (1)
2008/0119,178 Allocating Compression-Based Firmware Over the Air 38 2007
 
T-INK, INC. (1)
6,188,506 Conductive color-changing ink 47 1998
 
GAYE, MARVIN (1)
7,461,779 Cash withdrawal from ATM via videophone 40 2007
 
VLADIMIR MATENA (1)
2004/0158,549 Method and apparatus for online transaction processing 108 2004
 
FISERV, INC. (1)
* 7,379,978 Electronic item management and archival system and method of operating the same 72 2002
 
BANCTEC, INC. (2)
4,722,444 Method and apparatus for document processors 73 1985
5,159,548 Apparatus and method for priority processing of financial documents using video image capture 160 1990
 
TALARIS HOLDINGS LIMITED (1)
2005/0108,168 Method and apparatus for processing checks 69 2004
 
PPS DATA, LLC (4)
7,181,430 Method and system for processing financial instrument deposits physically remote from a financial institution 63 2000
7,216,106 Method and system for processing financial instrument deposits physically remote from a financial institution 107 2000
7,386,511 Methods and systems for processing financial instrument deposits 80 2003
* 7,440,924 Method and system for processing financial instrument deposits physically remote from a financial institution 50 2004
 
X-RITE, INCORPORATED (1)
2004/0078,299 Portable color and style analysis, match and management system 78 2003
 
DAVO FINANCIAL SERVICES LLC (1)
2003/0105,688 Secure digital escrow account transactions system and method 83 2001
 
OneCore Financial Network, Inc. (1)
2003/0200,174 Systems and methods for depositing funds to a financial service provider 91 2003
 
INDACON, INC. (1)
2004/0260,636 Check image access system 53 2004
 
Dittler Brothers Incorporated (1)
5,863,075 Integrated image scrambling and descrambling 78 1996
 
CCL LABEL, INC. (1)
6,913,188 Sleeve with corner tabs 39 2002
 
ADVANCED FINANCIAL SOLUTIONS, INC. (1)
2004/0148,235 Real time financial instrument image exchange system and method 53 2002
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (1)
5,878,337 Transaction security apparatus and method 244 1997
 
RTIMAGE, LTD. (1)
6,314,452 System and method for transmitting a digital image over a communication network 132 1999
 
EFT NETWORK, INC. (1)
2008/0059,376 System and Method for Remote Deposit System 38 2007
 
InterVoice Limited Partnership (1)
2007/0203,708 System and method for providing transcription services using a speech server in an interactive voice response system 32 2006
 
EFT NETWORKS, INC. (1)
2008/0040,280 System and method for remote deposit system 39 2006
 
LIFEPROXY LLC (12)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
 
NOKIA CORPORATION (1)
2006/0144,950 Transceiver with image capture device 37 2003
 
YAHOO! INC. (1)
2007/0077,921 Pushing podcasts to mobile devices 73 2006
 
NCR CORPORATION (15)
5,751,842 Document transaction apparatus 229 1996
6,578,760 Check cashing at automated teller machines 56 1999
2004/0122,754 Methods and apparatus for processing check transactions in self service customer checkout terminals 52 2002
* 7,421,107 Method of creating a substitute check and an apparatus therefor 38 2004
2006/0004,660 Personal teller system and method of remote interactive and personalized banking 47 2004
2005/0205,661 Cheque deposit at a self-service terminal 12 2005
2005/0205,661 Cheque deposit at a self-service terminal 12 2005
2005/0205,661 Cheque deposit at a self-service terminal 12 2005
2005/0205,661 Cheque deposit at a self-service terminal 12 2005
2005/0205,661 Cheque deposit at a self-service terminal 12 2005
2005/0205,661 Cheque deposit at a self-service terminal 12 2005
2006/0282,383 Payment methods and systems enhanced with image comparison for detecting fraudulent checks 38 2005
7,391,934 Method of creating a substitute check using check image data from a remote check image capture device and an apparatus therefor 37 2005
2007/0140,594 Digitized bank checks validated by digital signatures 36 2005
7,163,347 Method of creating an image replacement document for use in a check truncation environment and an apparatus thereof 36 2006
 
NCR Canada Ltd - NCR Canada Ltee (1)
4,523,330 Banking system and method 234 1982
 
TRANSSEC DATA LIMITED LIABILITY COMPANY (1)
2001/0047,330 Electronic payment system employing selectively activatable limited-use account number 73 2001
 
PROPULSION REMOTE HOLDINGS, LLC (2)
2005/0177,499 PAY YOURSELF FIRST SYSTEM 39 2004
2006/0053,056 CARD MEMBER DISCOUNT SYSTEM AND METHOD 102 2005
 
BURROUGHS, INC. (1)
5,321,816 Local-remote apparatus with specialized image storage modules 481 1992
 
BANK OF AMERICA CORPORATION (4)
4,774,663 Securities brokerage-cash management system with short term investment proceeds allotted among multiple accounts 414 1983
2007/0031,022 IMAGE PROCESSING SYSTEM 38 2005
2007/0258,634 Method of printing MICR encoded negotiable instruments such as checks/drafts from facsimile transmitted checks 37 2007
2008/0080,760 Aggregation of Check Image Data 34 2007
 
OCE PRINTING SYSTEMS GMBH (1)
2010/0007,899 METHOD TO PRINT A RECORDING MEDIUM WITH COLOR DATA AND MICR DATA 37 2009
 
SYNOPSYS, INC. (1)
6,961,689 Scheduling non-integral simulation time for mixed-signal simulation 42 2000
 
AMERIPRISE FINANCIAL, INC. (1)
7,313,543 System and method for dividing a remittance and distributing a portion of the funds to multiple investment products 85 1999
 
BMC RESOURCES, INC. (1)
5,870,456 Automated interactive bill payment system using debit cards 236 1997
 
NTT Data Communications Systems Corporation (1)
6,029,887 Electronic bankbook and processing system for financial transaction information using electronic bankbook 68 1996
 
Prime Acceptance Corp. (1)
2005/0075,969 Third-party payday advance loan method and system operated directly with and through employers 39 2003
 
WISTRON CORPORATION (1)
6,574,609 Secure electronic content management system 284 1998
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (2)
2004/0236,647 Electronic checkbook register 49 2003
2005/0267,843 System and method for electronic deposit of third-party checks by non-commercial banking customers from remote locations 68 2005
 
LIGHTHOUSE CONSULTING GROUP, LLC (1)
2007/0156,438 Ubiquitous imaging device based check image capture 57 2006
 
Digital Image Systems, Corporation (1)
5,191,525 System and method for extraction of data from documents for subsequent processing 313 1990
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (2)
* 7,392,935 Method and apparatus for accepting check deposits via the internet using browser-based technology 41 2006
2009/0141,962 REMOTE DEPOSIT CAPTURE FOR THE GAMING INDUSTRY 45 2007
 
PANASONIC CORPORATION (2)
7,506,261 Remote operation system, communication apparatus remote control system and document inspection apparatus 38 2004
7,460,108 Portable information terminal device 73 2004
 
THE WESTERN UNION COMPANY (4)
5,350,906 Currency transfer system and method using fixed limit cards 481 1992
5,937,396 System for ATM/ATM transfers 222 1996
2005/0209,961 Equipment to facilitate money transfers into bank accounts 96 2004
2007/0278,286 ATM SYSTEMS AND METHODS FOR CASHING CHECKS 25 2006
 
PITNEY BOWES INC. (5)
2007/0058,851 Confirming cancellation of truncated checks 37 2005
2007/0086,642 Method for remote check capture 42 2005
7,609,873 Method for processing checks prior to electronic deposit 36 2005
2007/0136,198 Method of facilitating the tracing and/or auditing of operations performed during check image processing 39 2005
2007/0251,992 System and method for canceling electronically deposited checks 25 2006
 
HITACHI, LTD. (2)
2004/0138,974 Method and system for managing money of a customer 88 2003
2004/0267,666 International-online automatic cash transaction system 41 2004
 
GOOGLE TECHNOLOGY HOLDINGS LLC (1)
7,039,048 Headend cherrypicker multiplexer with switched front end 74 2000
 
GLOBAL STANDARD FINANCIAL, INC. (4)
2008/0247,629 SYSTEMS AND METHODS FOR CHECK 21 IMAGE REPLACEMENT DOCUMENT ENHANCEMENTS 59 2007
7,702,588 Enhanced Check 21 financial payment systems and methods 45 2007
2008/0249,931 ELECTRONIC PAYMENT SYSTEMS AND METHODS UTILIZING DIGITALLY ORIGINATED CHECKS 42 2007
2008/0086,421 FINANCIAL PAYMENT SYSTEMS AND METHODS USING PAPERLESS CHECK 21 ITEMS 46 2007
 
CONNOTECH Experts-conseils, inc. (1)
5,590,196 Secure payment method using facsimile 271 1994
 
Currency Technics & Metrics (1)
2007/0063,016 System and method for cash management in a commercial and retail environment 63 2005
 
KABUSHIKI KAISHA TOSHIBA (1)
4,806,780 Image correction method and apparatus with partial detector array sampling 73 1987
 
CUMMINS-ALLISON CORP. (12)
5,982,918 Automatic funds processing system 214 1996
6,363,164 Automated document processing system using full image scanning 272 1997
6,661,910 Network for transporting and processing images in real time 207 1998
7,647,275 Automated payment system and method 89 2001
6,996,263 Network interconnected financial document processing devices 142 2002
2003/0081,824 Automatic currency processing system 212 2002
7,200,255 Document processing system using full image scanning 159 2003
7,349,566 Image processing network 118 2003
7,197,173 Automated check processing system with check imaging and accounting 145 2005
7,620,231 Document processing system using full image scanning 94 2005
7,391,897 Automated check processing system with check imaging and accounting 103 2007
2008/0133,411 Image Processing Network 114 2007
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (8)
6,505,178 Automatic teller machine with secure variable storage for internet applications 42 1999
2002/0152,164 Method and apparatus for processing a check within a financial system 50 2001
* 2002/0152,169 Method and apparatus for facilitating transactions at an automatic teller machine 67 2001
2002/0065,786 Method and apparatus for depositing paper checks from home or office 49 2001
6,934,719 Methods, systems and computer program products for controlling variables associated with transactions in a multiple transaction environment 37 2002
7,490,242 Secure management of authentication information 50 2004
2008/0071,721 System and method for learning models from scarce and skewed training data 41 2006
2007/0094,088 SYSTEM AND METHOD OF DIRECTLY PROVIDING ELECTRONIC RECEIPTS 48 2006
 
Check Savers, Inc. (1)
4,934,587 Document processing envelope 46 1988
 
Beneficial Management Corporation of America (1)
4,890,228 Electronic income tax refund early payment system 102 1988
 
FLEETBOSTON FINANCIAL CORPORATION (3)
5,677,955 Electronic funds transfer instruments 998 1995
6,021,202 Method and system for processing electronic documents 378 1997
6,609,200 Method and system for processing electronic documents 252 2000
 
CHECKFREE CORPORATION (1)
2004/0093,305 Electronic payments with risk based selection of type of debiting of the payer's deposit account 57 2003
 
Diamond Security, Inc. (1)
6,030,000 Negotiable document having enhanced security for deterring fraud by use of a thermochromatic fingerprint image 109 1997
 
Capital Security Systems, Inc. (4)
5,897,625 Automated document cashing system 368 1997
5,987,439 Automated banking system for making change on a card or user account 190 1997
6,012,048 Automated banking system for dispensing money orders, wire transfer and bill payment 353 1997
2005/0091,161 Automated banking system for dispensing money orders, wire transfer and bill payment 51 2003
 
FUJITSU LIMITED (1)
2002/0152,161 Credit transfer method for a computer network capable of transferring amounts of money to a plurality of bank accounts in order of respective priorities 78 2002
 
APPAGE CORPORATION (1)
5,903,878 Method and apparatus for electronic commerce 360 1997
 
AVERY DENNISON CORPORATION (1)
2004/0066,031 Cover with corner tabs 50 2002
 
FIRST DATA CORPORATION (3)
* 2006/0085,357 Methods and systems for performing credit transactions with a wireless device 58 2004
2007/0084,911 ATM check invalidation and return systems and methods 49 2005
7,299,979 Systems and methods for interfacing location-base devices 42 2006
 
THINK TEK, INC. (1)
2003/0139,999 Method and apparatus for facilitating monetary and commercial transactions 46 2003
 
International Check Services (1)
6,189,785 Demand deposit account data processing system 160 1998
 
TRANSPACIFIC OPTICS LLC (2)
6,449,397 Image processing system for scanning a rectangular document 36 1999
2002/0147,798 Network server for providing scanning functionality to a computer 41 2001
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
5,926,548 Method and apparatus for implementing hierarchical electronic cash 68 1997
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 148 2004
 
GEORGIA-PACIFIC CORPORATION (1)
6,159,585 Security paper 37 1999
 
CASIO COMPUTER CO., LTD. (2)
7,139,594 Method and apparatus for wireless transmission of electronic mail having a moving image file attachment which is displayed during edition or creation of electronic mail 44 2003
7,385,631 Camera device and method and program for starting the camera device 37 2004
 
E-MOOLA.COM (1)
2004/0058,705 Secure point-of-sale cellular telephone docking module system 103 2001
 
GOLDLEAF TECHNOLOGIES, INC. (2)
2006/0242,062 Remote check deposit 43 2005
2006/0242,063 Remote check deposit 40 2006
 
AUTOMATED POWER EXCHANGE (1)
2003/0055,776 Method and apparatus for bundling transmission rights and energy for trading 87 2002
 
INNOVENTRY CORP. (1)
* 6,856,965 Method and apparatus for automatic check cashing 78 1999
 
PayStation America Inc. (1)
6,097,834 Financial transaction processing systems and methods 260 1997
 
JPMORGAN CHASE BANK, N.A. (1)
5,940,844 Method and apparatus for displaying electronic image of a check 256 1995
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
6,425,017 Queued method invocations on distributed component applications 133 1998
6,883,140 System and method for editing digitally represented still images 70 2000
7,480,382 Image file container 53 2003
7,672,940 Processing an electronic document for information extraction 39 2004
7,114,649 Automatic generation of bank deposits 39 2005
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,668,897 Method and apparatus for imaging, image processing and data compression merge/purge techniques for document image databases 224 1995
 
CASHEDGE, INC. (3)
2007/0100,748 Multi-channel transaction system for transferring assets between accounts at different financial institutions 50 2006
7,321,874 Method and apparatus for implementing financial transactions 85 2007
7,321,875 Method and apparatus for implementing financial transactions 77 2007
 
GOLDLEAF ENTERPRISE PAYMENTS, INC. (1)
2005/0096,992 Image-enabled item processing for point of presentment application 38 2003
 
FUJITSU SEMICONDUCTOR LIMITED (1)
2007/0075,772 Semiconductor integrated apparatus and black level correction method for image sensor 37 2006
 
CRYPTOMATHIC A/S (1)
2005/0182,710 Method of processing an electronic payment cheque 61 2005
 
Saepio Technologies, Inc. (1)
6,931,591 Publishing layout wizard 65 1999
 
GENERAL ELECTRIC COMPANY (1)
6,829,704 Method and system to automatically activate software options upon initialization of a device 61 2001
 
NATIONAL BENEFITS GROUP, INC., A CA CORP. (1)
4,837,693 Method and apparatus for facilitating operation of an insurance plan 155 1987
 
NAMSYS INC. (1)
2004/0210,515 Deposit system and method of taking deposits 56 2003
 
EMERALD VALLEY PUBLISHING CO., AN OREGON CORP. (1)
4,640,413 Universal package for prerecorded computer disk and associated instructional material 109 1985
 
Shell & Slate Software, Inc. (1)
2006/0110,063 Method and apparatus for processing image data 45 2006
 
PAY CASH NOW, LLC (1)
2008/0052,182 METHOD AND SYSTEM TO ACCEPT AND SETTLE TRANSACTION PAYMENTS FOR AN UNBANKED CONSUMER 50 2007
 
WINCOR NIXDORF INTERNATIONAL GMBH (1)
6,755,340 Method and arrangement for processing negotiable instruments 37 2001
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
2005/0131,820 E-check and e-commerce 47 2003
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 299 2000
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 70 2004
 
EASTMAN KODAK COMPANY (1)
5,673,320 Method and apparatus for image-based validations of printed documents 77 1995
 
PAYSCAN AMERICA, INC. (2)
6,993,507 Bar coded bill payment system and method 76 2000
2009/0108,080 BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD 46 2007
 
LIQUAMELT CORP. (1)
2008/0156,438 METHOD OF PRODUCING ADHERED SUBSTRATES 36 2007
 
UNISYS CORPORATION (1)
2005/0038,754 Methods for authenticating self-authenticating documents 44 2003
 
MONEYFAX, INC. (2)
4,960,981 Method of and system for electronic funds transfer via facsimile machines 214 1989
5,265,008 Method of and system for electronic funds transfer via facsimile with image processing verification 206 1991
 
MEDICOMP, INC. (1)
2006/0025,697 Use of patterns in processing on mobile monitoring device and computer system 37 2005
 
AT&T CORP. (1)
5,373,550 Transmission of check images by way of a public switched telephone network 278 1992
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
QUALCOMM INCORPORATED (1)
* 2010/0198,733 Enabling Payment Using Paperless Image Of A Check 5 2009
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (21)
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 4 2006
* 8,959,033 Systems and methods for verification of remotely deposited checks 0 2007
8,433,127 Systems and methods for real-time validation of check image quality 2 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 3 2007
* 8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 11 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 4 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 2 2009
8,977,571 Systems and methods for image monitoring of check during mobile deposit 0 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 3 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
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 2 2007
 
BANK OF AMERICA, N.A. (1)
* 8,510,221 Intelligent ATM check image deposit engine 1 2010
 
BANK OF AMERICA CORPORATION (1)
* 2012/0023,017 Intelligent ATM Check Image Deposit Engine 2 2010
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Jul 25, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 25, 2022
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00