US Patent No: 7,962,411

Number of patents in Portfolio can not be more than 2000

Atomic deposit transaction

10 Status Updates

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ATTORNEY / AGENT: (SPONSORED)
 

Importance

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Abstract

A user may generate a digital image of a negotiable instrument such as a check. The digital image may be transmitted to an institution in a digital image file for deposit of the check. After the user selects to submit the digital image file, the digital image file may be sent from a user computing device to the institution. The user computing device may be decoupled from the transaction once the submission of the digital image file for deposit of the check is made. The transaction is thereafter managed by the institution. Incomplete transactions are avoided by moving the transaction processing to the server side at the institution after the user submits the digital image file. This may be referred to as an atomic deposit transaction.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)SAN ANTONIO, TX364

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Pollack, Jeffrey N - 3 76
Prasad, Bharat - 13 120

Cited Art

Patent Info (Count) # Cites Year
 
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NEDERLANDSE ORGANISATIE VOOR TOEGEPAST-NATUURWETENSCHAPPELIJK ONDERZOEK TNO (1)
2004/0024,626 System and method for processing transaction data 25 2003
 
NEXXO FINANCIAL CORPORATION (1)
2005/0086,168 Systems and methods for money sharing 30 2004
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
5,926,548 Method and apparatus for implementing hierarchical electronic cash 49 1997
 
NOKIA CORPORATION (1)
2006/0144,950 Transceiver with image capture device 25 2003
 
NORTH CAROLINA LOCAL GOVERNMENT EMPLOYEES FEDERAL CREDIT UNION (1)
2005/0289,030 System and method for financial institution account deposits via retail merchants 29 2004
 
NTT DATA COMMUNICATIONS SYSTEMS CORPORATION (1)
6,029,887 Electronic bankbook and processing system for financial transaction information using electronic bankbook 52 1996
 
OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE LIMITED (1)
2007/0255,652 Mobile Person-to-Person Payment System 73 2007
 
OCE PRINTING SYSTEMS GMBH (1)
2010/0007,899 METHOD TO PRINT A RECORDING MEDIUM WITH COLOR DATA AND MICR DATA 25 2009
 
ONECORE FINANCIAL NETWORK, INC. (1)
2003/0200,174 Systems and methods for depositing funds to a financial service provider 59 2003
 
OPEN SOLUTIONS INC. (1)
5,602,936 Method of and apparatus for document data recapture 202 1995
 
PAYSTATION AMERICA INC. (1)
6,097,834 Financial transaction processing systems and methods 189 1997
 
PHOENIX CHECK CASHING, INC. (1)
6,957,770 System and method for biometric authorization for check cashing 51 2002
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 266 1998
 
PRIME ACCEPTANCE CORP. (1)
2005/0075,969 Third-party payday advance loan method and system operated directly with and through employers 27 2003
 
RESEARCH DEVELOPMENT & MANUFACTURING CORPORATION (1)
7,606,762 System and method for providing a distributed decisioning environment for processing of financial transactions 14 2005
 
RESEARCH IN MOTION LIMITED (1)
7,489,953 Mobile communication device 27 2005
 
RTIMAGE, LTD. (1)
6,314,452 System and method for transmitting a digital image over a communication network 101 1999
 
SAEPIO TECHNOLOGIES, INC. (1)
6,931,591 Publishing layout wizard 49 1999
 
SAP AG (1)
2009/0171,819 PROVIDING PAYMENT SOFTWARE APPLICATION AS ENTERPRISE SERVICES 22 2007
 
SCOSCHE INDUSTRIES, INC. (1)
6,672,452 DVD storage album 32 2002
 
SEARETE LLC (1)
2006/0229,976 Virtual credit with transferability 38 2005
 
SETRIX AKTIENGESELLSCHAFT (1)
2005/0269,412 Method of detecting the presence of figures and methods of managing a stock of components 32 2005
 
SHARP KABUSHIKI KAISHA (1)
2005/0078,336 Scan description language 25 2003
 
SHARP LABORATORIES OF AMERICA, INC. (1)
6,429,952 Browser interface to scanner 58 1998
 
SHELL & SLATE SOFTWARE, INC. (1)
2006/0110,063 Method and apparatus for processing image data 29 2006
 
SIDESTEP, INC. (1)
2001/0054,020 Method and apparatus for dynamic information connection engine 120 2001
 
SONY ERICSSON MOBILE COMMUNICATIONS JAPAN (1)
2005/0168,566 Image processing device image processing program and image processing method 34 2004
 
STAMPS.COM INC. (1)
6,199,055 System and method for providing fault tolerant transcriptions over an unsecured communication channel 40 1997
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 188 1998
 
SYNOPSYS, INC. (1)
6,961,689 Scheduling non-integral simulation time for mixed-signal simulation 29 2000
 
T-INK, LLC (1)
6,188,506 Conductive color-changing ink 35 1998
 
TALARIS HOLDINGS LIMITED (1)
2005/0108,168 Method and apparatus for processing checks 36 2004
 
TELECHECK INTERNATIONAL, INC. (1)
5,679,938 Methods and systems for interactive check authorizations 235 1994
 
TELECHECK SERVICES, INC. (1)
7,599,888 Electronic confirmation to debit or credit an account 12 2001
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
7,477,923 Exchangeable module for additional functionality 24 2003
 
TERAYON COMMUNICATION SYSTEMS, INC. (1)
7,039,048 Headend cherrypicker multiplexer with switched front end 58 2000
 
THE 41ST PARAMETER, INC. (1)
2008/0002,911 Methods and Apparatus for Securely Displaying Digital Images 25 2007
 
THE BANK OF FAYETTEVILLE (1)
2005/0171,907 Interconnected remote banking facilities and method 27 2004
 
THE STANDARD REGISTER COMPANY (1)
6,413,305 Thermochromic ink composition 33 2000
 
THINK TEK, INC. (1)
2003/0139,999 Method and apparatus for facilitating monetary and commercial transactions 32 2003
 
THIRD ACT LLC (1)
2004/0093,303 Third party debit card 77 2003
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
2005/0131,820 E-check and e-commerce 31 2003
 
TRANSSEC DATA LIMITED LIABILITY COMPANY (1)
2001/0047,330 Electronic payment system employing selectively activatable limited-use account number 52 2001
 
TRW FINANCIAL SYSTEMS, INC. (1)
4,205,780 Document processing system and method 329 1978
 
UBS FINANCIAL SERVICES, INC. (1)
2006/0047,593 Method and system for funds management 63 2004
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
2002/0178,112 Point of sale check service 88 2001
 
VISIONEER, INC. (1)
2002/0075,524 Combination scanner and image data reader system including image management, software, and internet based image management method 35 2001
 
VLADIMIR MATENA (1)
2004/0158,549 Method and apparatus for online transaction processing 83 2004
 
WINCOR NIXDORF INTERNATIONAL GMBH (1)
6,755,340 Method and arrangement for processing negotiable instruments 24 2001
 
WISTRON CORPORATION (1)
6,574,609 Secure electronic content management system 220 1998
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 82 2004
 
X-RITE, INCORPORATED (1)
2004/0078,299 Portable color and style analysis, match and management system 47 2003
 
XEROX CORPORATION (1)
2006/0039,629 Document registration and skew detection system 28 2005
 
YAHOO! INC. (1)
2007/0077,921 Pushing podcasts to mobile devices 44 2006
 
YOUNG AMERICA CORPORATION (1)
5,924,737 Postcard check 55 1996
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (53)
4,305,216 Holder for vehicle service reminder card and the like 42 1979
4,790,475 Reusable stationery carrier 32 1982
4,636,099 Document holder with preprinted locating aid 43 1985
4,644,144 Document carrier envelope 31 1985
4,927,071 Document carrier 32 1989
5,053,607 Point-of-sale device particularly adapted for processing checks 283 1989
5,022,683 Check insert and envelope 27 1989
5,419,588 Document backer 29 1991
5,630,073 Personal account tracking system 58 1994
5,598,969 Folder insert 39 1995
5,594,225 Methods and systems for conducting financial transactions via facsimile 91 1995
6,304,860 Automated debt payment system and method using ATM network 131 1997
6,243,689 System and method for authorizing electronic funds transfer at a point of sale 96 1998
6,278,983 Automated resource allocation and management system 78 1999
6,282,826 Protective holder and method of using same 43 1999
6,789,054 Geometric display tools and methods for the visual specification, design automation, and control of adaptive real systems 128 1999
6,470,325 Method and data processing system for managing a mutual fund brokerage 48 1999
6,390,362 Method and device for preventing check fraud 99 1999
6,397,196 Hybrid installment loan/savings account 36 1999
6,464,134 System and method for verifying the authenticity of a check and authorizing payment thereof 69 1999
2002/0052,853 Transportation system for on-line transactions 37 2001
2002/0116,329 Systems and methods for approval of credit/debit account transactions using a wireless device 49 2001
2002/0032,656 System and method for providing automatic teller machine services to multiple financial institutions 40 2001
2002/0120,562 Electronic postal money order method and system 29 2001
2002/0072,974 System and method for displaying and selling goods and services in a retail environment employing electronic shopper aids 153 2001
2003/0167,225 Favored client advance with audit protection method 59 2002
7,509,287 Bank account automatic adjustment system 14 2002
2004/0010,466 Financial instrument system providing multiple transaction information reporting and storing options and fraud and warranty protection 32 2002
2003/0055,756 Method of making money payments 34 2002
2003/0075,916 Corner protectors and method for making same 24 2002
7,299,970 Method and apparatus for transferring and processing transaction data 57 2003
2004/0245,324 Document holder with a retaining pocket to prevent falling of documents from the document holder 24 2003
7,004,382 Payment validation network 67 2003
2004/0057,697 Streaming digital recording system 28 2003
2005/0177,518 Electronic funds transfer and electronic bill receipt and payment system 27 2004
2005/0252,955 Recyclable single-sheet mailer 30 2004
2005/0278,250 Transaction processing payment system 25 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 98 2004
2006/0102,704 Document carrier and system for use therewith 29 2004
7,497,429 Document carrier and system for use therewith 25 2004
2005/0044,042 Financial transaction system and method using electronic messaging 31 2004
2006/0059,085 METHOD, SYSTEM, AND COMPUTER PROGRAM FOR ON-DEMAND SHORT TERM LOAN PROCESSING AND OVERDRAFT PROTECTION 60 2004
2006/0206,506 Expenditure accounting management system and method 24 2005
2006/0229,986 Financial account that reduces paper check usage 25 2005
2007/0143,208 Automatic Teller Machine as Lead Source 24 2005
2006/0144,924 Negotiable instrument with fraud protection 26 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) 27 2006
2007/0080,207 AUTOMATED CHECK CASHING AND LOAN PROCESSING ATM SYSTEM AND METHODOLOGY 27 2006
2007/0016,796 Systems and methods for remote user authentication 28 2006
2007/0086,643 Secure financial report and method of processing and displaying the same 25 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 58 2006
2008/0063,253 SLEEVE FOR CAPTURING CHECK IMAGES 27 2007
2009/0173,781 Banking system controlled responsive to data bearing records 28 2008

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
CUMMINS-ALLISON CORP. (13)
8,380,573 Document processing system 0 2008
8,437,528 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,437,529 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,437,530 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,437,532 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,433,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,428,332 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,417,017 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,391,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,396,278 Document processing system using full image scanning 0 2011
8,437,531 Check and U.S. bank note processing device and method 0 2011
8,433,126 Check and U.S. bank note processing device and method 0 2011
8,339,589 Check and U.S. bank note processing device and method 0 2011
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (9)
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 0 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 0 2007
8,351,678 Duplicate check detection 0 2008
8,422,758 Systems and methods of check re-presentment deterrent 0 2008
8,391,599 Systems and methods for adaptive binarization of an image 0 2008
8,392,332 Systems and methods for remote deposit of checks 0 2010
 
BANK OF AMERICA CORPORATION (1)
8,301,565 System and method for correspondent bank customer ATM transaction processing 0 2010
 
Q2S SOFTWARE, INC. (1)
8,359,266 Method and system for an inter-financial institution transactional network 0 2010
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (1)
8,442,296 Check and U.S. bank note processing device and method 0 2011

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Dec 14, 2014
7.5 Year Payment $3600.00 $1800.00 $900.00 Dec 14, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 14, 2022
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
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