METHOD FOR REMOTE CHECK DEPOSIT
First Claim
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1. ) A method of a depositor depositing a check into a depositor account using a cell phone, the cell phone having a cell phone camera and a GPS system, the method comprising:
- the issuer of the check and depositor of the check subscribing to a service that allows the check to be deposited by the cell phone;
taking an image of the check with the cell phone camera of the depositor;
sending the image as a MMS to a bank using the cell phone of the depositor,wherein the bank verifies a cell phone number of the cell phone is associated with a bank account of the depositor;
using the GPS system to validate the depositor is located at a predefined location, wherein the predefined location is either a location established by the issuer of the check or a location established by the depositor;
processing the check by the bank so that an amount of the check is credited to the depositor account andreceiving a SMS from the bank on the cell phone confirming the check amount has been deposited into the depositor account.
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Abstract
A method and system for depositing a negotiable instrument, such as a check, using a cellular phone camera. The customer images the check for deposit by taking a photograph of the check with his cellular phone camera and sends the photograph as a MMS to the customer'"'"'s bank. The system enables validating image quality, automatically recognizing code line, confirming geographical location of the deposit and verifying a courtesy amount of the check so that the check is deposited into the customer'"'"'s bank account remotely.
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Citations
1 Claim
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1. ) A method of a depositor depositing a check into a depositor account using a cell phone, the cell phone having a cell phone camera and a GPS system, the method comprising:
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the issuer of the check and depositor of the check subscribing to a service that allows the check to be deposited by the cell phone; taking an image of the check with the cell phone camera of the depositor; sending the image as a MMS to a bank using the cell phone of the depositor, wherein the bank verifies a cell phone number of the cell phone is associated with a bank account of the depositor; using the GPS system to validate the depositor is located at a predefined location, wherein the predefined location is either a location established by the issuer of the check or a location established by the depositor; processing the check by the bank so that an amount of the check is credited to the depositor account and receiving a SMS from the bank on the cell phone confirming the check amount has been deposited into the depositor account.
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Specification
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Current AssigneeInternational Business Machines Corporation
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Original AssigneeInternational Business Machines Corporation
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InventorsDrory, Tal, Walach, Eugeniusz
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Application NumberUS12/243,138Publication NumberTime in Patent OfficeDaysField of SearchUS Class Current705/35CPC Class CodesG06Q 20/0425 the cheque being electronic...G06Q 20/3276 using a pictured code, e.g....G06Q 40/00 Finance; Insurance; Tax str...G06Q 40/02 Banking, e.g. interest calc...
