Virtual check
AssigneeUnited Services Automobile Association
InventorRoss Andrew Thiele
Life of this patent
Estimating the term…
Abstract
Methods and systems for virtual checking are described. A virtual check is created by a payor's device and then sent to the payee's device. The payee can be another mobile device. The virtual check has many of the same features as a regular, paper check plus additional features only available in digital form. In an example, the data can be encrypted by either the banks key or the payor's key. Further encryption can occur between the payor's device and the payee's device, which can connect on a peer-to-peer network. The check can be an image with tag data. In an example, data can be encoded into the image itself. The virtual check can include populated data that cannot be changed by the payee. In an example, the virtual check application of the payee can automatically perform a funds availability check.
Claims20
A method comprising:
- creating, in real-time in a payor mobile device, a virtual check;
- generating tag data associated with the virtual check, the tag data including a physical location of the creation of the virtual check;
- embedding, in the virtual check, at least a portion of the tag data;
- and
- sending, from the payor mobile device, the virtual check and the tag data directly to a receiving device.
A non-transitory, computer-readable medium having computer-readable instructions that, when executed by one or more computer processors, direct the one or more computer processors to:
- create, in real-time in a payor mobile device, a virtual check;
- generate tag data associated with the virtual check;
- embed, in the virtual check, at least a portion of the tag data;
- send, from the payor mobile device, the virtual check and the tag data to a receiving device;
- and
- receive, from the receiving device, a confirmation that the virtual check has been received.
A system comprising:
- a memory containing machine-readable instructions;
- and
- a computer processor in communication with the memory and configured to execute the machine-readable instructions to:
- create, in real-time in a payor mobile device, a virtual check;
- generate tag data associated with the virtual check;
- embed, in the virtual check, at least a portion of the tag data;
- send, from the payor mobile device, the virtual check and the tag data to a receiving device;
- and
- cancel the virtual check after receiving a confirmation that the virtual check was received.
Dependencies are inferred from the claim text.