Systems and methods for remote deposit of checks
AssigneeUnited Services Automobile Association (USAA)
InventorsCharles Lee Oakes, III, Randy Ray Morlen, R. Bharat Prasad Nuggehalli, Troy Bartlette Huth
Life of this patent
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Abstract
Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
Claims20
A processor-implemented method for processing a check deposit, comprising:
- through a processor:
- receiving a customer identification of an account for a deposit;
- receiving a first image of a front side of a check, wherein said first image is in a first file format, and wherein said first image is received from a customer-controlled general purpose computer;
- creating a second image of said front side of a check by converting said first image into a second file format;
- generating a log file, said log file comprising said second image, an identification of said customer-controlled general purpose computer, and an identification of an image capture device that was used to capture said first image.
A system for processing a check deposit, comprising:
- a memory;
- a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
- receive a customer identification of an account for a deposit;
- receive a first image of a front side of a check, wherein said first image is in a first file format, and wherein said first image is received from a customer-controlled general purpose computer;
- create a second image of said front side of a check by converting said first image into a second file format;
- generate a log file, said log file comprising said
- second image, an identification of said customer-controlled general purpose computer, and an identification of an image capture device that was used to capture said first image.
A non-transitory computer readable medium bearing instructions for processing a check deposit, comprising:
- instructions for receiving a customer identification of an account for a deposit;
- instructions for receiving a first image of a front side of a check, wherein said first image is in a first file format, and wherein said first image is received from a customer-controlled general purpose computer;
- instructions for creating a second image of said front side of a check by converting said first image into a second file format;
- instructions for generating a log file, said log file comprising said second image, an identification of said customer-controlled general purpose computer, and an identification of an image capture device that was used to capture said first image.
Dependencies are inferred from the claim text.