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)

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, TX636

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Harpel, Greg Alan San Antonio, US 8 50
Morlen, Randy Ray San Antonio, US 14 100
Morris, Michael Frank San Antonio, US 16 128
Nuggehalli, R Bharat Prasad San Antonio, US 7 76
Oakes,, III Charles Lee San Antonio, US 35 324

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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CUMMINS-ALLISON CORP. (12)
5,982,918 Automatic funds processing system 229 1996
6,363,164 Automated document processing system using full image scanning 291 1997
6,661,910 Network for transporting and processing images in real time 224 1998
7,647,275 Automated payment system and method 104 2001
6,996,263 Network interconnected financial document processing devices 154 2002
2003/0081,824 Automatic currency processing system 230 2002
7,200,255 Document processing system using full image scanning 174 2003
7,349,566 Image processing network 132 2003
7,197,173 Automated check processing system with check imaging and accounting 157 2005
7,620,231 Document processing system using full image scanning 106 2005
7,391,897 Automated check processing system with check imaging and accounting 115 2007
2008/0133,411 Image Processing Network 128 2007
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (8)
6,505,178 Automatic teller machine with secure variable storage for internet applications 47 1999
2002/0152,164 Method and apparatus for processing a check within a financial system 55 2001
* 2002/0152,169 Method and apparatus for facilitating transactions at an automatic teller machine 74 2001
2002/0065,786 Method and apparatus for depositing paper checks from home or office 55 2001
6,934,719 Methods, systems and computer program products for controlling variables associated with transactions in a multiple transaction environment 42 2002
7,490,242 Secure management of authentication information 60 2004
2008/0071,721 System and method for learning models from scarce and skewed training data 48 2006
2007/0094,088 SYSTEM AND METHOD OF DIRECTLY PROVIDING ELECTRONIC RECEIPTS 55 2006
 
Check Savers, Inc. (1)
4,934,587 Document processing envelope 51 1988
 
Beneficial Management Corporation of America (1)
4,890,228 Electronic income tax refund early payment system 108 1988
 
FLEETBOSTON FINANCIAL CORPORATION (3)
5,677,955 Electronic funds transfer instruments 1031 1995
6,021,202 Method and system for processing electronic documents 394 1997
6,609,200 Method and system for processing electronic documents 261 2000
 
CHECKFREE CORPORATION (1)
2004/0093,305 Electronic payments with risk based selection of type of debiting of the payer's deposit account 61 2003
 
Diamond Security, Inc. (1)
6,030,000 Negotiable document having enhanced security for deterring fraud by use of a thermochromatic fingerprint image 116 1997
 
Capital Security Systems, Inc. (4)
5,897,625 Automated document cashing system 415 1997
5,987,439 Automated banking system for making change on a card or user account 199 1997
6,012,048 Automated banking system for dispensing money orders, wire transfer and bill payment 374 1997
2005/0091,161 Automated banking system for dispensing money orders, wire transfer and bill payment 55 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 85 2002
 
APPAGE CORPORATION (1)
5,903,878 Method and apparatus for electronic commerce 375 1997
 
AVERY DENNISON CORPORATION (1)
2004/0066,031 Cover with corner tabs 57 2002
 
FIRST DATA CORPORATION (4)
5,679,938 Methods and systems for interactive check authorizations 311 1994
* 2006/0085,357 Methods and systems for performing credit transactions with a wireless device 64 2004
2007/0084,911 ATM check invalidation and return systems and methods 58 2005
7,299,979 Systems and methods for interfacing location-base devices 47 2006
 
THINK TEK, INC. (1)
2003/0139,999 Method and apparatus for facilitating monetary and commercial transactions 51 2003
 
International Check Services (1)
6,189,785 Demand deposit account data processing system 165 1998
 
TRANSPACIFIC OPTICS LLC (2)
6,449,397 Image processing system for scanning a rectangular document 41 1999
2002/0147,798 Network server for providing scanning functionality to a computer 46 2001
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
5,926,548 Method and apparatus for implementing hierarchical electronic cash 75 1997
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 165 2004
 
GEORGIA-PACIFIC CORPORATION (1)
6,159,585 Security paper 42 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 49 2003
7,385,631 Camera device and method and program for starting the camera device 42 2004
 
E-MOOLA.COM (1)
2004/0058,705 Secure point-of-sale cellular telephone docking module system 129 2001
 
GOLDLEAF TECHNOLOGIES, INC. (2)
2006/0242,062 Remote check deposit 50 2005
2006/0242,063 Remote check deposit 45 2006
 
AUTOMATED POWER EXCHANGE (1)
2003/0055,776 Method and apparatus for bundling transmission rights and energy for trading 94 2002
 
PAYPAL, INC. (2)
6,450,403 Method and apparatus for depositing ordinary checks from home or office 65 2001
2002/0084,321 METHOD AND APPARATUS FOR DEPOSITING ORDINARY CHECKS FROM HOME OR OFFICE 65 2001
 
INNOVENTRY CORP. (1)
* 6,856,965 Method and apparatus for automatic check cashing 112 1999
 
PayStation America Inc. (1)
6,097,834 Financial transaction processing systems and methods 274 1997
 
JPMORGAN CHASE BANK, N.A. (1)
5,940,844 Method and apparatus for displaying electronic image of a check 272 1995
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
6,425,017 Queued method invocations on distributed component applications 145 1998
6,883,140 System and method for editing digitally represented still images 79 2000
7,480,382 Image file container 62 2003
7,672,940 Processing an electronic document for information extraction 45 2004
7,114,649 Automatic generation of bank deposits 44 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 238 1995
 
CASHEDGE, INC. (3)
2007/0100,748 Multi-channel transaction system for transferring assets between accounts at different financial institutions 57 2006
7,321,874 Method and apparatus for implementing financial transactions 90 2007
7,321,875 Method and apparatus for implementing financial transactions 82 2007
 
GOLDLEAF ENTERPRISE PAYMENTS, INC. (1)
2005/0096,992 Image-enabled item processing for point of presentment application 43 2003
 
CRYPTOMATHIC A/S (1)
2005/0182,710 Method of processing an electronic payment cheque 71 2005
 
Saepio Technologies, Inc. (1)
6,931,591 Publishing layout wizard 73 1999
 
GENERAL ELECTRIC COMPANY (1)
6,829,704 Method and system to automatically activate software options upon initialization of a device 71 2001
 
NATIONAL BENEFITS GROUP, INC., A CA CORP. (1)
4,837,693 Method and apparatus for facilitating operation of an insurance plan 160 1987
 
NAMSYS INC. (1)
2004/0210,515 Deposit system and method of taking deposits 61 2003
 
EMERALD VALLEY PUBLISHING CO., AN OREGON CORP. (1)
4,640,413 Universal package for prerecorded computer disk and associated instructional material 114 1985
 
Shell & Slate Software, Inc. (1)
2006/0110,063 Method and apparatus for processing image data 52 2006
 
PAY CASH NOW, LLC (1)
2008/0052,182 METHOD AND SYSTEM TO ACCEPT AND SETTLE TRANSACTION PAYMENTS FOR AN UNBANKED CONSUMER 64 2007
 
WINCOR NIXDORF INTERNATIONAL GMBH (1)
6,755,340 Method and arrangement for processing negotiable instruments 43 2001
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
2005/0131,820 E-check and e-commerce 52 2003
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 319 2000
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 76 2004
 
EASTMAN KODAK COMPANY (1)
5,673,320 Method and apparatus for image-based validations of printed documents 83 1995
 
PAYSCAN AMERICA, INC. (2)
6,993,507 Bar coded bill payment system and method 84 2000
2009/0108,080 BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD 53 2007
 
LIQUAMELT CORP. (1)
2008/0156,438 METHOD OF PRODUCING ADHERED SUBSTRATES 42 2007
 
UNISYS CORPORATION (1)
2005/0038,754 Methods for authenticating self-authenticating documents 49 2003
 
MONEYFAX, INC. (2)
4,960,981 Method of and system for electronic funds transfer via facsimile machines 226 1989
5,265,008 Method of and system for electronic funds transfer via facsimile with image processing verification 219 1991
 
Medicomp, Inc. (1)
2006/0025,697 Use of patterns in processing on mobile monitoring device and computer system 43 2005
 
AT&T CORP. (1)
5,373,550 Transmission of check images by way of a public switched telephone network 293 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 9 2009
 
United Services Automobile Association (USAA) (25)
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 6 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 7 2007
* 8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 15 2007
* 8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 8 2007
8,351,678 Duplicate check detection 5 2008
* 8,417,629 Systems and methods for remote deposit service 0 2008
8,422,758 Systems and methods of check re-presentment deterrent 7 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 2 2009
8,392,332 Systems and methods for remote deposit of checks 4 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 1 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 4 2011
8,611,635 Duplicate check detection 1 2012
9,158,966 Character count determination for a digital image 0 2013
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 0 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
 
BANK OF AMERICA CORPORATION (2)
* 2012/0023,017 Intelligent ATM Check Image Deposit Engine 2 2010
* 2015/0120,516 CHECK DATA LIFT FOR ONLINE ACCOUNTS 0 2013
* Cited By Examiner

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