Systems and methods for obtaining an image of a check to be deposited

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9892454
SERIAL NO

11877335

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

  • UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Brady, John Weatherman Boerne, US 11 286
Major, Frank Kyle San Antonio, US 21 629
Mawyer,, Jr Ralph Paige San Antonio, US 8 284
Morris, Michael Frank San Antonio, US 56 1866
Pollack, Jeff San Antonio, US 10 285
Prasad, Bharat San Antonio, US 195 5009
Reynolds, Clint James San Antonio, US 9 284
Shah, Kairav Mahesh Katy, US 8 284

Cited Art Landscape

Load Citation

Patent Citation Ranking

Forward Cite Landscape

Load Citation

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Aug 13, 2025
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 13, 2029
Fee Large entity fee small entity fee micro entity fee
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