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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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 ASSOCIATION (USAA)SAN ANTONIO, TX664

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Harpel, Greg Alan San Antonio, US 8 60
Morlen, Randy Ray San Antonio, US 16 121
Morris, Michael Frank San Antonio, US 17 147
Nuggehalli, R Bharat Prasad San Antonio, US 7 90
Oakes,, III Charles Lee San Antonio, US 39 380

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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4,806,780 Image correction method and apparatus with partial detector array sampling 84 1987
 
Cummins-Allison Corp. (12)
5,982,918 Automatic funds processing system 236 1996
6,363,164 Automated document processing system using full image scanning 298 1997
6,661,910 Network for transporting and processing images in real time 231 1998
7,647,275 Automated payment system and method 111 2001
6,996,263 Network interconnected financial document processing devices 161 2002
2003/0081,824 Automatic currency processing system 238 2002
7,200,255 Document processing system using full image scanning 181 2003
7,349,566 Image processing network 139 2003
7,197,173 Automated check processing system with check imaging and accounting 164 2005
7,620,231 Document processing system using full image scanning 113 2005
7,391,897 Automated check processing system with check imaging and accounting 122 2007
2008/0133,411 Image Processing Network 136 2007
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (8)
6,505,178 Automatic teller machine with secure variable storage for internet applications 51 1999
2002/0152,164 Method and apparatus for processing a check within a financial system 59 2001
* 2002/0152,169 Method and apparatus for facilitating transactions at an automatic teller machine 78 2001
2002/0065,786 Method and apparatus for depositing paper checks from home or office 59 2001
6,934,719 Methods, systems and computer program products for controlling variables associated with transactions in a multiple transaction environment 46 2002
7,490,242 Secure management of authentication information 68 2004
2008/0071,721 System and method for learning models from scarce and skewed training data 52 2006
2007/0094,088 SYSTEM AND METHOD OF DIRECTLY PROVIDING ELECTRONIC RECEIPTS 59 2006
 
Check Savers, Inc. (1)
4,934,587 Document processing envelope 55 1988
 
Beneficial Management Corporation of America (1)
4,890,228 Electronic income tax refund early payment system 113 1988
 
FLEETBOSTON FINANCIAL CORPORATION (3)
5,677,955 Electronic funds transfer instruments 1049 1995
6,021,202 Method and system for processing electronic documents 414 1997
6,609,200 Method and system for processing electronic documents 266 2000
 
CHECKFREE CORPORATION (1)
2004/0093,305 Electronic payments with risk based selection of type of debiting of the payer's deposit account 65 2003
 
Diamond Security, Inc. (1)
6,030,000 Negotiable document having enhanced security for deterring fraud by use of a thermochromatic fingerprint image 122 1997
 
Capital Security Systems, Inc. (4)
5,897,625 Automated document cashing system 440 1997
5,987,439 Automated banking system for making change on a card or user account 204 1997
6,012,048 Automated banking system for dispensing money orders, wire transfer and bill payment 386 1997
2005/0091,161 Automated banking system for dispensing money orders, wire transfer and bill payment 59 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 89 2002
 
APPAGE CORPORATION (1)
5,903,878 Method and apparatus for electronic commerce 386 1997
 
AVERY DENNISON CORPORATION (1)
2004/0066,031 Cover with corner tabs 64 2002
 
FIRST DATA CORPORATION (4)
5,679,938 Methods and systems for interactive check authorizations 320 1994
* 2006/0085,357 Methods and systems for performing credit transactions with a wireless device 70 2004
2007/0084,911 ATM check invalidation and return systems and methods 62 2005
7,299,979 Systems and methods for interfacing location-base devices 51 2006
 
THINK TEK, INC. (1)
2003/0139,999 Method and apparatus for facilitating monetary and commercial transactions 55 2003
 
International Check Services (1)
6,189,785 Demand deposit account data processing system 170 1998
 
TRANSPACIFIC OPTICS LLC (2)
6,449,397 Image processing system for scanning a rectangular document 45 1999
2002/0147,798 Network server for providing scanning functionality to a computer 50 2001
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
5,926,548 Method and apparatus for implementing hierarchical electronic cash 80 1997
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 173 2004
 
GEORGIA-PACIFIC CORPORATION (1)
6,159,585 Security paper 46 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 53 2003
7,385,631 Camera device and method and program for starting the camera device 46 2004
 
E-MOOLA.COM (1)
2004/0058,705 Secure point-of-sale cellular telephone docking module system 146 2001
 
GOLDLEAF TECHNOLOGIES, INC. (2)
2006/0242,062 Remote check deposit 54 2005
2006/0242,063 Remote check deposit 50 2006
 
AUTOMATED POWER EXCHANGE (1)
2003/0055,776 Method and apparatus for bundling transmission rights and energy for trading 98 2002
 
PAYPAL, INC. (2)
6,450,403 Method and apparatus for depositing ordinary checks from home or office 69 2001
2002/0084,321 METHOD AND APPARATUS FOR DEPOSITING ORDINARY CHECKS FROM HOME OR OFFICE 69 2001
 
InnoVentry Corporation (1)
* 6,856,965 Method and apparatus for automatic check cashing 132 1999
 
PayStation America Inc. (1)
6,097,834 Financial transaction processing systems and methods 281 1997
 
JPMORGAN CHASE BANK, N.A. (1)
5,940,844 Method and apparatus for displaying electronic image of a check 279 1995
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
6,425,017 Queued method invocations on distributed component applications 154 1998
6,883,140 System and method for editing digitally represented still images 85 2000
7,480,382 Image file container 66 2003
7,672,940 Processing an electronic document for information extraction 49 2004
7,114,649 Automatic generation of bank deposits 48 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 255 1995
 
CashEdge, Inc. (3)
2007/0100,748 Multi-channel transaction system for transferring assets between accounts at different financial institutions 62 2006
7,321,874 Method and apparatus for implementing financial transactions 96 2007
7,321,875 Method and apparatus for implementing financial transactions 88 2007
 
GOLDLEAF ENTERPRISE PAYMENTS, INC. (1)
2005/0096,992 Image-enabled item processing for point of presentment application 48 2003
 
CRYPTOMATHIC A/S (HQ) (1)
2005/0182,710 Method of processing an electronic payment cheque 81 2005
 
Saepio Technologies, Inc. (1)
6,931,591 Publishing layout wizard 77 1999
 
GENERAL ELECTRIC COMPANY (1)
6,829,704 Method and system to automatically activate software options upon initialization of a device 76 2001
 
NATIONAL BENEFITS GROUP, INC., A CA CORP. (1)
4,837,693 Method and apparatus for facilitating operation of an insurance plan 164 1987
 
NAMSYS INC. (1)
2004/0210,515 Deposit system and method of taking deposits 66 2003
 
EMERALD VALLEY PUBLISHING CO., AN OREGON CORP. (1)
4,640,413 Universal package for prerecorded computer disk and associated instructional material 118 1985
 
Shell & Slate Software, Inc. (1)
2006/0110,063 Method and apparatus for processing image data 56 2006
 
Pay Cash Now, LLC (1)
2008/0052,182 METHOD AND SYSTEM TO ACCEPT AND SETTLE TRANSACTION PAYMENTS FOR AN UNBANKED CONSUMER 74 2007
 
WINCOR NIXDORF INTERNATIONAL GMBH (1)
6,755,340 Method and arrangement for processing negotiable instruments 47 2001
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
2005/0131,820 E-check and e-commerce 56 2003
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 335 2000
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 80 2004
 
EASTMAN KODAK COMPANY (1)
5,673,320 Method and apparatus for image-based validations of printed documents 87 1995
 
PAYSCAN AMERICA, INC. (2)
6,993,507 Bar coded bill payment system and method 89 2000
2009/0108,080 BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD 59 2007
 
LIQUAMELT CORP. (1)
2008/0156,438 METHOD OF PRODUCING ADHERED SUBSTRATES 46 2007
 
UNISYS CORPORATION (1)
2005/0038,754 Methods for authenticating self-authenticating documents 54 2003
 
MONEYFAX, INC. (2)
4,960,981 Method of and system for electronic funds transfer via facsimile machines 233 1989
5,265,008 Method of and system for electronic funds transfer via facsimile with image processing verification 227 1991
 
Medicomp, Inc. (1)
2006/0025,697 Use of patterns in processing on mobile monitoring device and computer system 49 2005
 
AT&T CORP. (1)
5,373,550 Transmission of check images by way of a public switched telephone network 301 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 10 2009
 
United Services Automobile Association (USAA) (28)
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 2 2006
8,351,677 Systems and methods for remote deposit of checks 10 2006
* 8,959,033 Systems and methods for verification of remotely deposited checks 1 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 9 2007
* 8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 18 2007
* 8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 9 2007
8,351,678 Duplicate check detection 7 2008
* 8,417,629 Systems and methods for remote deposit service 0 2008
8,422,758 Systems and methods of check re-presentment deterrent 9 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 3 2009
8,977,571 Systems and methods for image monitoring of check during mobile deposit 1 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 2 2009
8,392,332 Systems and methods for remote deposit of checks 6 2010
9,129,340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 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 2 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 7 2011
8,611,635 Duplicate check detection 1 2012
9,286,514 Character count determination for a digital image 0 2013
9,158,966 Character count determination for a digital image 0 2013
9,224,136 Systems and methods for remote deposit of checks 0 2014
9,336,517 Systems and methods for alignment of check during mobile deposit 0 2014
9,177,197 Systems and methods for alignment of check during mobile deposit 0 2014
9,177,198 Systems and methods for alignment of check during mobile deposit 0 2014
 
MITEK SYSTEMS (1)
* 2013/0028,502 SYSTEMS AND METHODS FOR MOBILE IMAGE CAPTURE AND PROCESSING OF CHECKS 3 2012
 
TYFONE, INC. (3)
9,230,282 Remote deposit capture system with check image generation and storage 0 2013
9,195,974 Remote deposit capture compatible check image generation 0 2013
9,177,310 Mobile device and application for remote deposit of check images received from payors 0 2013
 
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 2 2010
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
* 2013/0198,071 MOBILE SERVICES REMOTE DEPOSIT CAPTURE 12 2013
 
BANK OF AMERICA CORPORATION (4)
* 2012/0023,017 Intelligent ATM Check Image Deposit Engine 2 2010
* 9,412,135 Check data lift for online accounts 0 2013
9,384,393 Check data lift for error detection 0 2013
* 2015/0120,516 CHECK DATA LIFT FOR ONLINE ACCOUNTS 0 2013
* Cited By Examiner

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