Systems and methods of check re-presentment deterrent
AssigneeUnited Services Automobile Association (USAA)
InventorMichael Patrick Bueche, Jr.
Life of this patent
Estimating the term…
Abstract
A user or a device may separate a check into two or more portions prior to generating a digital image of the check for remote deposit of the check. The user or a device may separate the check by cutting or tearing the check. After separating the check into the portions, the user may generate a digital image of the portions of the check using a scanner for example. The digital image may be transmitted to an institution for deposit of the check. The institution may retrieve the images of the portions of the check and generate an image of the check based on the portions, by combining the images of the portions for example. The image of the check that may be generated based on the images of the portions may be processed for deposit.
Claims21
A method of deterring check re-presentment, comprising:
- physically separating a check into a plurality of portions;
- electronically providing an image file comprising an image of the plurality of portions of the check to a computing device of an institution via a communications network;
- and
- receiving a notice that funds of the check have been deposited into an account associated with the institution.
A computer-readable medium comprising computer-readable instructions for deterring check re-presentment, said computer-readable instructions comprising instructions that:
- physically separate a check into a plurality of portions;
- electronically provide an image file comprising an image of the plurality of portions of the check to a computing device of an institution via a communications network;
- and
- receive a notice that funds of the check have been deposited into an account associated with the institution.
A system for deterring check re-presentment, comprising:
- at least one subsystem that physically separates a check into a plurality of portions;
- at least one subsystem that electronically provides an image file comprising an image of the plurality of portions of the check to a computing device of an institution via a communications network;
- and
- at least one subsystem that receives a notice that funds of the check have been deposited into an account associated with the institution.
Dependencies are inferred from the claim text.