Systems and methods for remote deposit of checks

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7876949
SERIAL NO

11591025

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ATTORNEY / AGENT: (SPONSORED)

Importance

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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 AssociationSAN ANTONIO, TX329
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)SAN ANTONIO, TX, US599

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Harpel, Greg Alan San Antonio, US 8 87
Morlen, Randy Ray San Antonio, US 17 173
Morris, Michael Frank San Antonio, US 20 214
Nuggehalli, R Bharat Prasad San Antonio, US 7 126
Oakes,, III Charles Lee San Antonio, US 50 638

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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7490242 Secure management of authentication information 75 2004
2008/0071,721 System and method for learning models from scarce and skewed training data 60 2006
2007/0094,088 SYSTEM AND METHOD OF DIRECTLY PROVIDING ELECTRONIC RECEIPTS 70 2006
 
Check Savers, Inc. (1)
4934587 Document processing envelope 61 1988
 
Beneficial Management Corporation of America (1)
4890228 Electronic income tax refund early payment system 120 1988
 
FLEETBOSTON FINANCIAL CORPORATION (2)
5677955 Electronic funds transfer instruments 1099 1995
6609200 Method and system for processing electronic documents 277 2000
 
DIVERSIFIED OBSERVATION LLC (1)
6449397 Image processing system for scanning a rectangular document 51 1999
 
CHECKFREE CORPORATION (1)
2004/0093,305 Electronic payments with risk based selection of type of debiting of the payer's deposit account 73 2003
 
Diamond Security, Inc. (1)
6030000 Negotiable document having enhanced security for deterring fraud by use of a thermochromatic fingerprint image 134 1997
 
CAPITAL SECURITY SYSTEMS, INC. (4)
5897625 Automated document cashing system 472 1997
5987439 Automated banking system for making change on a card or user account 214 1997
6012048 Automated banking system for dispensing money orders, wire transfer and bill payment 418 1997
2005/0091,161 Automated banking system for dispensing money orders, wire transfer and bill payment 66 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 99 2002
 
APPAGE CORPORATION (1)
5903878 Method and apparatus for electronic commerce 417 1997
 
AVERY DENNISON CORPORATION (1)
2004/0066,031 Cover with corner tabs 71 2002
 
FIRST DATA CORPORATION (4)
5679938 Methods and systems for interactive check authorizations 341 1994
* 2006/0085,357 Methods and systems for performing credit transactions with a wireless device 83 2004
2007/0084,911 ATM check invalidation and return systems and methods 71 2005
7299979 Systems and methods for interfacing location-base devices 57 2006
 
THINK TEK, INC. (1)
2003/0139,999 Method and apparatus for facilitating monetary and commercial transactions 61 2003
 
International Check Services (1)
6189785 Demand deposit account data processing system 184 1998
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
5926548 Method and apparatus for implementing hierarchical electronic cash 92 1997
 
TRANSPACIFIC OPTICS LLC (1)
2002/0147,798 Network server for providing scanning functionality to a computer 56 2001
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 190 2004
 
GEORGIA-PACIFIC CORPORATION (1)
6159585 Security paper 52 1999
 
CASIO COMPUTER CO., LTD. (2)
7139594 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 59 2003
7385631 Camera device and method and program for starting the camera device 52 2004
 
E-MOOLA.COM (1)
2004/0058,705 Secure point-of-sale cellular telephone docking module system 186 2001
 
GOLDLEAF TECHNOLOGIES, INC. (2)
2006/0242,062 Remote check deposit 62 2005
2006/0242,063 Remote check deposit 59 2006
 
AUTOMATED POWER EXCHANGE (1)
2003/0055,776 Method and apparatus for bundling transmission rights and energy for trading 111 2002
 
PAYPAL, INC. (2)
6450403 Method and apparatus for depositing ordinary checks from home or office 75 2001
2002/0084,321 METHOD AND APPARATUS FOR DEPOSITING ORDINARY CHECKS FROM HOME OR OFFICE 78 2001
 
INNOVENTRY CORP. (1)
* 6856965 Method and apparatus for automatic check cashing 155 1999
 
PayStation America Inc. (1)
6097834 Financial transaction processing systems and methods 299 1997
 
JPMORGAN CHASE BANK, N.A. (1)
5940844 Method and apparatus for displaying electronic image of a check 293 1995
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
6425017 Queued method invocations on distributed component applications 169 1998
6883140 System and method for editing digitally represented still images 95 2000
7480382 Image file container 73 2003
7672940 Processing an electronic document for information extraction 56 2004
7114649 Automatic generation of bank deposits 54 2005
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5668897 Method and apparatus for imaging, image processing and data compression merge/purge techniques for document image databases 282 1995
 
CASHEDGE, INC. (3)
2007/0100,748 Multi-channel transaction system for transferring assets between accounts at different financial institutions 79 2006
7321874 Method and apparatus for implementing financial transactions 109 2007
7321875 Method and apparatus for implementing financial transactions 101 2007
 
GOLDLEAF ENTERPRISE PAYMENTS, INC. (1)
2005/0096,992 Image-enabled item processing for point of presentment application 54 2003
 
OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE LIMITED (2)
2007/0255,652 Mobile Person-to-Person Payment System 186 2007
2007/0255,653 Mobile Person-to-Person Payment System 295 2007
 
Cryptomathic A/S (1)
2005/0182,710 Method of processing an electronic payment cheque 91 2005
 
Saepio Technologies, Inc. (1)
6931591 Publishing layout wizard 87 1999
 
GENERAL ELECTRIC COMPANY (1)
6829704 Method and system to automatically activate software options upon initialization of a device 89 2001
 
NATIONAL BENEFITS GROUP, INC., A CA CORP. (1)
4837693 Method and apparatus for facilitating operation of an insurance plan 173 1987
 
NAMSYS INC. (1)
2004/0210,515 Deposit system and method of taking deposits 76 2003
 
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Shell & Slate Software, Inc. (1)
2006/0110,063 Method and apparatus for processing image data 64 2006
 
Pay Cash Now, LLC (1)
2008/0052,182 METHOD AND SYSTEM TO ACCEPT AND SETTLE TRANSACTION PAYMENTS FOR AN UNBANKED CONSUMER 106 2007
 
WINCOR NIXDORF INTERNATIONAL GMBH (1)
6755340 Method and arrangement for processing negotiable instruments 54 2001
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
2005/0131,820 E-check and e-commerce 63 2003
 
DoubleCredit.com, Inc. (1)
6999943 Routing methods and systems for increasing payment transaction volume and profitability 380 2000
 
YAHOO HOLDINGS, INC. (1)
2007/0077,921 Pushing podcasts to mobile devices 127 2006
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 88 2004
 
EASTMAN KODAK COMPANY (1)
5673320 Method and apparatus for image-based validations of printed documents 94 1995
 
PAYSCAN AMERICA, INC. (2)
6993507 Bar coded bill payment system and method 99 2000
2009/0108,080 BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD 74 2007
 
LIQUAMELT CORP. (1)
2008/0156,438 METHOD OF PRODUCING ADHERED SUBSTRATES 52 2007
 
UNISYS CORPORATION (1)
2005/0038,754 Methods for authenticating self-authenticating documents 62 2003
 
MONEYFAX, INC. (2)
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MEDICOMP, INC. (1)
2006/0025,697 Use of patterns in processing on mobile monitoring device and computer system 71 2005
 
AT&T CORP. (1)
5373550 Transmission of check images by way of a public switched telephone network 315 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 13 2009
 
Other [Check patent profile for assignment information] (2)
9898778 Systems and methods for obtaining an image of a check to be deposited 0 2007
9892454 Systems and methods for obtaining an image of a check to be deposited 0 2007
 
United Services Automobile Association (10)
* 8417629 Systems and methods for remote deposit service 0 2008
9129340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8464933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8837806 Remote deposit image inspection apparatuses, methods and systems 4 2011
8688579 Automatic remote deposit image preparation apparatuses, methods and systems 18 2011
8611635 Duplicate check detection 1 2012
9158966 Character count determination for a digital image 0 2013
9336517 Systems and methods for alignment of check during mobile deposit 0 2014
9177197 Systems and methods for alignment of check during mobile deposit 0 2014
9177198 Systems and methods for alignment of check during mobile deposit 0 2014
 
TYFONE, INC. (3)
9230282 Remote deposit capture system with check image generation and storage 0 2013
9195974 Remote deposit capture compatible check image generation 0 2013
9177310 Mobile device and application for remote deposit of check images received from payors 0 2013
 
BANK OF AMERICA, N.A. (1)
* 8510221 Intelligent ATM check image deposit engine 2 2010
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
* 2013/0198,071 MOBILE SERVICES REMOTE DEPOSIT CAPTURE 34 2013
 
United Services Auto Association (USAA) (1)
8538124 Systems and methods for real-time validation of check image quality 4 2007
 
BANK OF AMERICA CORPORATION (6)
* 2012/0023,017 Intelligent ATM Check Image Deposit Engine 2 2010
* 9412135 Check data lift for online accounts 0 2013
9384393 Check data lift for error detection 0 2013
* 2015/0120,516 CHECK DATA LIFT FOR ONLINE ACCOUNTS 1 2013
9652671 Data lifting for exception processing 0 2016
9639750 Data lifting for exception processing 0 2016
 
MITEK SYSTEMS, INC. (2)
* 9842331 Systems and methods for mobile image capture and processing of checks 0 2012
* 2013/0028,502 SYSTEMS AND METHODS FOR MOBILE IMAGE CAPTURE AND PROCESSING OF CHECKS 6 2012
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (22)
8799147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 3 2006
8708227 Systems and methods for remote deposit of checks 4 2006
8351677 Systems and methods for remote deposit of checks 17 2006
* 8959033 Systems and methods for verification of remotely deposited checks 2 2007
8433127 Systems and methods for real-time validation of check image quality 7 2007
8358826 Systems and methods for receiving and orienting an image of one or more checks 15 2007
* 8320657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 26 2007
* 8290237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 19 2007
8351678 Duplicate check detection 9 2008
8422758 Systems and methods of check re-presentment deterrent 14 2008
8391599 Systems and methods for adaptive binarization of an image 2 2008
8452689 Systems and methods of check detection 7 2009
8542921 Systems and methods for remote deposit of negotiable instrument using brightness correction 4 2009
8977571 Systems and methods for image monitoring of check during mobile deposit 3 2009
8699779 Systems and methods for alignment of check during mobile deposit 7 2009
9779392 Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments 0 2010
8392332 Systems and methods for remote deposit of checks 9 2010
9569756 Systems and methods for image monitoring of check during mobile deposit 0 2013
9286514 Character count determination for a digital image 0 2013
9224136 Systems and methods for remote deposit of checks 0 2014
9779452 Apparatuses, methods, and systems for remote deposit capture with enhanced image detection 0 2015
9818090 Systems and methods for image and criterion monitoring during mobile deposit 0 2016
* Cited By Examiner

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