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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ATTORNEY / AGENT: (SPONSORED)

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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, TX529

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Harpel, Greg Alan - 8 25
Morlen, Randy Ray - 12 41
Morris, Michael Frank - 11 64
Nuggehalli, R Bharat Prasad - 7 40
Oakes,, III Charles Lee - 29 146

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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SCOSCHE INDUSTRIES, INC. (1)
6,672,452 DVD storage album 40 2002
 
SEARETE LLC (1)
2006/0229,976 Virtual credit with transferability 56 2005
 
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2005/0269,412 Method of detecting the presence of figures and methods of managing a stock of components 45 2005
 
Shell & Slate Software, Inc. (1)
2006/0110,063 Method and apparatus for processing image data 40 2006
 
SIDESTEP, INC. (1)
2001/0054,020 Method and apparatus for dynamic information connection engine 145 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 44 2006
 
SONY ERICSSON MOBILE COMMUNICATIONS JAPAN (1)
2005/0168,566 Image processing device image processing program and image processing method 43 2004
 
STAMPS.COM INC. (1)
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SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 236 1998
 
SYNOPSYS, INC. (1)
6,961,689 Scheduling non-integral simulation time for mixed-signal simulation 37 2000
 
T-INK, INC. (1)
6,188,506 Conductive color-changing ink 43 1998
 
TALARIS HOLDINGS LIMITED (1)
2005/0108,168 Method and apparatus for processing checks 61 2004
 
TELECHECK INTERNATIONAL, INC. (1)
5,679,938 Methods and systems for interactive check authorizations 283 1994
 
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2008/0002,911 Methods and Apparatus for Securely Displaying Digital Images 37 2007
 
THE BANK OF FAYETTEVILLE (1)
2005/0171,907 Interconnected remote banking facilities and method 36 2004
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (1)
2005/0171,899 Electronic payment clearing and check image exchange systems and methods 63 2004
 
The Standard Register Company (1)
6,413,305 Thermochromic ink composition 44 2000
 
THINK TEK, INC. (1)
2003/0139,999 Method and apparatus for facilitating monetary and commercial transactions 42 2003
 
THIRD ACT LLC (1)
2004/0093,303 Third party debit card 102 2003
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
2005/0131,820 E-check and e-commerce 43 2003
 
TRANSSEC DATA LIMITED LIABILITY COMPANY (1)
2001/0047,330 Electronic payment system employing selectively activatable limited-use account number 65 2001
 
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4,205,780 Document processing system and method 392 1978
 
UBS FINANCIAL SERVICES, INC. (1)
2006/0047,593 Method and system for funds management 92 2004
 
UNISYS CORPORATION (1)
2005/0038,754 Methods for authenticating self-authenticating documents 39 2003
 
UNWIRED PLANET, LLC (1)
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 9 2000
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
2002/0178,112 Point of sale check service 116 2001
 
VISIONEER, INC. (1)
2002/0075,524 Combination scanner and image data reader system including image management, software, and internet based image management method 43 2001
 
VLADIMIR MATENA (1)
2004/0158,549 Method and apparatus for online transaction processing 100 2004
 
WINCOR NIXDORF INTERNATIONAL GMBH (1)
6,755,340 Method and arrangement for processing negotiable instruments 32 2001
 
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6,574,609 Secure electronic content management system 266 1998
 
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2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 137 2004
 
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2004/0078,299 Portable color and style analysis, match and management system 63 2003
 
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Other [Check patent profile for assignment information] (51)
4,305,216 Holder for vehicle service reminder card and the like 50 1979
4,790,475 Reusable stationery carrier 41 1982
4,636,099 Document holder with preprinted locating aid 52 1985
4,644,144 Document carrier envelope 39 1985
4,927,071 Document carrier 40 1989
5,053,607 Point-of-sale device particularly adapted for processing checks 343 1989
5,022,683 Check insert and envelope 35 1989
5,419,588 Document backer 37 1991
5,630,073 Personal account tracking system 77 1994
5,598,969 Folder insert 48 1995
5,594,225 Methods and systems for conducting financial transactions via facsimile 125 1995
6,304,860 Automated debt payment system and method using ATM network 181 1997
6,243,689 System and method for authorizing electronic funds transfer at a point of sale 131 1998
6,278,983 Automated resource allocation and management system 91 1999
6,282,826 Protective holder and method of using same 52 1999
6,789,054 Geometric display tools and methods for the visual specification, design automation, and control of adaptive real systems 153 1999
6,470,325 Method and data processing system for managing a mutual fund brokerage 57 1999
6,390,362 Method and device for preventing check fraud 126 1999
6,397,196 Hybrid installment loan/savings account 49 1999
6,464,134 System and method for verifying the authenticity of a check and authorizing payment thereof 81 1999
2002/0052,853 Transportation system for on-line transactions 52 2001
2002/0116,329 Systems and methods for approval of credit/debit account transactions using a wireless device 77 2001
2002/0032,656 System and method for providing automatic teller machine services to multiple financial institutions 52 2001
2002/0120,562 Electronic postal money order method and system 39 2001
2002/0072,974 System and method for displaying and selling goods and services in a retail environment employing electronic shopper aids 199 2001
2003/0167,225 Favored client advance with audit protection method 82 2002
2004/0010,466 Financial instrument system providing multiple transaction information reporting and storing options and fraud and warranty protection 43 2002
2003/0055,756 Method of making money payments 50 2002
2003/0075,916 Corner protectors and method for making same 32 2002
7,299,970 Method and apparatus for transferring and processing transaction data 80 2003
2004/0245,324 Document holder with a retaining pocket to prevent falling of documents from the document holder 32 2003
2004/0057,697 Streaming digital recording system 36 2003
2005/0177,518 Electronic funds transfer and electronic bill receipt and payment system 35 2004
2005/0252,955 Recyclable single-sheet mailer 39 2004
2005/0278,250 Transaction processing payment system 33 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 162 2004
2006/0102,704 Document carrier and system for use therewith 40 2004
7,497,429 Document carrier and system for use therewith 33 2004
2005/0044,042 Financial transaction system and method using electronic messaging 49 2004
2006/0059,085 METHOD, SYSTEM, AND COMPUTER PROGRAM FOR ON-DEMAND SHORT TERM LOAN PROCESSING AND OVERDRAFT PROTECTION 85 2004
2006/0206,506 Expenditure accounting management system and method 35 2005
2006/0229,986 Financial account that reduces paper check usage 33 2005
2007/0143,208 Automatic Teller Machine as Lead Source 32 2005
2006/0144,924 Negotiable instrument with fraud protection 38 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) 35 2006
2007/0080,207 AUTOMATED CHECK CASHING AND LOAN PROCESSING ATM SYSTEM AND METHODOLOGY 39 2006
2007/0016,796 Systems and methods for remote user authentication 38 2006
2007/0086,643 Secure financial report and method of processing and displaying the same 33 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 86 2006
2008/0063,253 SLEEVE FOR CAPTURING CHECK IMAGES 35 2007
2009/0173,781 Banking system controlled responsive to data bearing records 36 2008

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (17)
8,708,227 Systems and methods for remote deposit of checks 0 2006
8,351,677 Systems and methods for remote deposit of checks 0 2006
8,433,127 Systems and methods for real-time validation of check image quality 0 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 1 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 6 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 1 2007
8,351,678 Duplicate check detection 1 2008
8,417,629 Systems and methods for remote deposit service 0 2008
8,422,758 Systems and methods of check re-presentment deterrent 1 2008
8,391,599 Systems and methods for adaptive binarization of an image 0 2008
8,452,689 Systems and methods of check detection 0 2009
8,542,921 Systems and methods for remote deposit of negotiable instrument using brightness correction 0 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 0 2009
8,392,332 Systems and methods for remote deposit of checks 0 2010
8,464,933 Systems, methods and apparatus for receiving images of one or more checks 0 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 0 2011
8,611,635 Duplicate check detection 0 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 1 2007

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