System and Method for Remote Deposit System

• US 20080059376A1
• Filed: 10/31/2007
• Published: 03/06/2008
• Est. Priority Date: 08/14/2006
• Status: Active Grant

• Current Assignee: EFT Network, Inc.
• Original Assignee: EFT Network, Inc.
• Inventors: Schutze, Stephen, Davis, Steven
• Granted Patent: US 8,628,116 B2
• Time in Patent Office: Days
• US Class Current: 705/45
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

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.

Claims

1-20. -20. (canceled)

21. An 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;

front and back indicators disposed on front and back faces of the film, respectively; and

unique pocket indicators disposed on the pockets.

22. The apparatus according to claim 21, wherein the film is one of approximately 8½

×

11 and approximately 8½

×

14.

23. The apparatus according to claim 21, further comprising:

a depositor indicator disposed on the film, the depositor indicator indicative of an identity of a depositor of the check.

24. The apparatus according to claim 21, wherein the pocket indicators are sequential numbers.

25. The apparatus according to claim 21, wherein the checks are at least one of personal checks, corporate checks, business checks, traveler'"'"'s checks, money orders, Federal Reserve checks, government checks, third party checks, convenience checks, cashier checks, official checks, non-U.S. checks, gift checks and payment coupons.

26. The apparatus according to claim 21, wherein the film is transparent from only one side.

27. The apparatus according to claim 21, wherein the film is transparent from both sides.

28. The apparatus according to claim 21, wherein the film includes a general pocket having a size different than that of the non-overlapping pockets.

29. The apparatus according to claim 21, wherein the film includes a general pocket having a shape different than that of the non-overlapping pockets.

30. The apparatus according to claim 21, wherein OCR indicia are provided on the film.

31. An 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.

32. The apparatus according to claim 31, wherein the film is one of approximately 8½

×

11 and approximately 8½

×

14.

33. The apparatus according to claim 31, further comprising:

a depositor indicator disposed on the film, the depositor indicator indicative of an identity of a depositor of the check.

34. The apparatus according to claim 31, wherein the checks are at least one of personal checks, corporate checks, business checks, traveler'"'"'s checks, money orders, Federal Reserve checks, government checks, third party checks, convenience checks, cashier checks, official checks, non-U.S. checks, gift checks and payment coupons.

35. The apparatus according to claim 31, further comprising:

unique pocket indicators disposed on the pockets.

36. The apparatus according to claim 35, wherein the pocket indicators are sequential numbers.

37. The apparatus according to claim 31, wherein the film is transparent from only one side.

39. The apparatus according to claim 31, wherein the film includes a general pocket having a size different than that of the non-overlapping pockets.

40. An 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

at least one of front indicator and a back indicator disposed on an associated one of a front face and back face of the film.