Video financial deposit
AssigneeUnited Services Automobile Association (USAA)
InventorAaron Robert Kay
Life of this patent
Estimating the term…
Abstract
A video of a negotiable instrument may be provided from a user to a financial institution so that an image of the negotiable instrument may be obtained from the video and deposited in a user's bank account. In an implementation, a user may use a device such as a video camera, a web camera, or a video-enabled phone to convert an endorsed check into a video data file by making a video of the check and storing the video in a video data file. The user may send the video data file to the financial institution, where it may be processed and deposited in an account associated with the user. Any technique for sending a video data file to the financial institution may be used.
Claims21
A processor-implemented method of depositing a negotiable instrument, comprising:
- receiving at a computing device of a financial institution a video data file comprising a video of the negotiable instrument from a computing device of a user having an account at the financial institution for depositing funds;
- obtaining financial information pertaining to the negotiable instrument from the video data file using a video processor of the financial institution;
- and
- depositing funds of the negotiable instrument into the account of the user based on the financial information pertaining to the negotiable instrument obtained from the video data file of the negotiable instrument.
A non-transitory computer-readable medium comprising computer-executable instructions for depositing a negotiable instrument, said instructions comprising instructions that:
- receive at a computing device of a financial institution a video data file comprising a video of the negotiable instrument from a computing device of a user having an account at the financial institution for depositing funds;
- obtain financial information pertaining to the negotiable instrument from the video data file using a video processor of the financial institution;
- and
- deposit funds of the negotiable instrument into the account of the user based on the financial information pertaining to the negotiable instrument obtained from the video data file of the negotiable instrument.
A system for depositing a negotiable instrument, comprising:
- at least one subsystem that receives at a computing device of a financial institution a video data file comprising a video of the negotiable instrument from a computing device of a user having an account at the financial institution for depositing funds;
- at least one subsystem including a processor that obtains financial information pertaining to the negotiable instrument from the video data file using a video processor of the financial institution;
- and
- at least one subsystem that deposits funds of the negotiable instrument into the account of the user based on the financial information pertaining to the negotiable instrument obtained from the video data file of the negotiable instrument.
Dependencies are inferred from the claim text.