System and Method for Remote Deposit System
AssigneeEFT Network, Inc.
InventorsSteven DAVIS, Stephen A. SCHUTZE
Life of this patent
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Abstract
Described is a method and system for a remote deposit system. The method comprises receiving facsimile data corresponding to facsimile of a plurality of checks, constructing digitized images of the checks as a function of the facsimile data, gathering check data from each of the digitized images, and processing the check data according to a check processing procedure to settle transactions referenced by each of the checks.
Claims7
1-10. (canceled)
A method for remote deposit into an entity by a depositor, without the depositor needing a check scanner, comprising:
- operating a host system, wherein the operating is performed by the entity, and wherein the depositor connects to the host system over a telephone network;
- at a depositor location remote from the host system, receiving at least one check into a carrier apparatus, comprising:
- a transparent film having a plurality of non-overlapping pockets created therein, each of the pockets including at least one opening and being sized and shaped to receive a check therein;
- and
- front and back indicators disposed on front and back faces of the film, respectively;
- and
- unique pocket indicators disposed on the pockets;
- after the check has been received into the carrier apparatus, receiving the check-containing carrier apparatus into a fax machine at the depositor location;
- at the host system, receiving facsimile data via the telephone network and constructing digitized images of the check as a function of the facsimile data, wherein the receiving and constructing steps are performed by a recipient electronic device.
15-20. (canceled)
A method for remote deposit into an entity by a depositor, without the depositor needing a check scanner, comprising:
- operating a host system, wherein the operating is performed by the entity, and wherein the depositor connects to the host system over a telephone network;
- at a depositor location remote from the host system, receiving at least one check into a carrier apparatus;
- after the check has been received into the carrier apparatus, receiving the check-containing carrier apparatus into a fax machine at the depositor location;
- at the host system, receiving facsimile data via the telephone network and constructing digitized images of the check as a function of the facsimile data, wherein the receiving and constructing are performed by a recipient electronic device.
Dependencies are inferred from the claim text.