Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system

• US 20130103582A1
• Filed: 06/13/2012
• Published: 04/25/2013
• Est. Priority Date: 10/30/2003
• Status: Abandoned Application

• Current Assignee: United Services Automobile Association
• Original Assignee: Timothy B. Clise
• Inventors: Singfield, Joy Shantia
• Application Number:
  US13/495,971
• Publication Number:
  US 20130103582A1
• Time in Patent Office: Days
• US Class Current: 705/43
• 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 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06V 40/172 Classification, e.g. identification
• CPC Class Codes: G06V 40/20 Movements or behaviour, e.g. gesture recognition recognition of facial expressions G06V40/16
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

Wireless Electronic Check Deposit Scanning and Cashing Machine (also known and referred to as WEDS) Web-based Online account cash Management computer application System (also known and referred to as OMS virtual/live teller)—collectively invented integrated as “WEDS.OMS” System. Method and Apparatus for Depositing and Cashing Ordinary paper and/or substitute checks and money orders online Wirelessly from home/office computer, laptop, Internet enabled mobile phone, pda (personal digital assistant) and/or any Internet enabled device. WEDS enables verification and transmittal of image, OMS is the navigation tool used to set commands and process requests, integrated with WEDS, working collectively as WEDS.OMS System.

Claims

1. A method for conducting an online check and/or money order cashing and deposit transaction using a Wireless Electronic Check Deposit Scanning and Cashing Machine (also known and referred to as WEDS);

And web-based Online account cash Management computer application System (also known and referred to as OMS virtual/live teller) collectively invented and operated as “

WEDS.OMS”

;

Method and Apparatus for Depositing and Cashing Ordinary paper and/or substitute checks and money orders online Wirelessly from home computer (pc and/or mac compatible), office computer, laptop, Internet enabled mobile phone, Internet enabled mobile device, Internet enabled pda (personal digital assistant) and/or any Internet enabled device;

Wireless Electronic Check Deposit Scanning and Cashing Machine (wireless data transmission) with web-based cash management computer application System Controlling (wireless navigating) permits wireless transmission of data (endorsed check image and/or money order image) through WEDS and wireless navigation and control of that data through the OMS wireless computer network (where it is transmitted to) and web-based computer controlled application system (where it is controlled and linked to) so the OMS acts a 24 hour, 7 day a week virtual teller that receives, verifies and processes requests to expedite deposit transactions and cash checks and money orders for immediate funds availability in an Online, Wireless Environment;

WEDS functionality of the invention allows the wireless data transmission from the device to be transmitted and delivered to the (wireless) computer network, which is where processing begins through the OMS, the online account navigation system, comprising of the steps of;

A unique, secure Wireless Electronic Check Deposit Scanning and Cashing Machine (also known and referred to as WEDS);

And web-based Online account cash Management computer application System (also known and referred to as OMS virtual/live teller) is used to wirelessly Scan, Verify, Capture and (wirelessly) Transmit the image of an (front and back) endorsed check (and/or money order) image to deliver to a wireless computer network (using WEDS), that is linked and delivered to a web-based computer application software controller system program for processing (which is the OMS)—

which acts as virtual teller (verify and process request for online check deposit, clearing/moving check owner'"'"'s funds into user/depositor checking account for check dollar amount;

performing the action of an electronic funds transfer, also known as an ETF—

wired into user'"'"'s/depositor'"'"'s account), linked and delivered to a secure site where user/depositor'"'"'s account receives, controls, and confirms the transaction request (through the OMS), by confirming endorsed check image data for online check deposit(s) and setting online user preferences and input typing verification of check data delivered to the online account management system (OMS) before request to deposit (i.e. routing number, check account number, check number, date on check, financial institution, along with user/depositor'"'"'s name, and transaction data) request has been submitted for online check and/or money deposit (or check/money order cashing)—

includes scanning and depositing (front and back) an endorsed check image (and/or money order) online through Wireless Transmission (WEDS), onto a wireless network, that links to an OMS (using WEDS), where the user can log in, set preferences, and begin OMS processing (Infrared beam, on device to allow stored images from device to be beamed onto printer or wireless, Bluetooth 802.11 enabled device, with Intel inside);

processing wireless check cashing capability where user scans front and back of the endorsed check, and/or substitute check (or money order) and wirelessly delivers to OMS using WEDS;

after logging on, user must use his or her web cam (web camera) which identifies and records user'"'"'s actions and request for check and/or money order cashing (also can be used for check deposit requests) by capturing and storing the face image, live image of the user, to verify that face feature imprint is identical to picture of customer/user taken at the bank, and recorded for fraud protection as a picture and data transaction file, in addition to system recording user'"'"'s ISP (internet service provider) address (in addition to LAN—

local area network for computer network communication processing area) to locate (an approximation of) where user was at time of request, and what device user was using (i.e. Internet connection from dial up, or cable modem desktop, dial up service provider on cell phone/pda, etc.), and user id (identification) used to log in to process and request transaction through OMS account access, which is navigated on a secure website, and user is (optional) pre-fingerprinted at bank before use of check cashing option (substitute check is valid through Check 21 Century Act, effective, October

     2004);

OMS recognizes live web cam connection, and captures image of user to record proof of user transaction for security;

System can detect whether the live cam is activated, and whether or not a live individual is present at time of transaction in order to allow user to submit request—

during processing of request, system captures image (picture) of user requesting to cash check and/of money order and verifies validity of the picture (ie. That is was a moving image, before capture of image, and that image is shape and color texture/cells, and skin scales that comprise human flesh) before request can be complete, which occurs before or after validity of the document/image (check and/or money order) being requested for immediate cashing (funds transfer—

monies availability).

2. The claim of method 1, further comprising of a power button, 1 to 3 USB ports and 1 to 3 firewire ports, 1 to 3 serial cables (for computer connection when wireless option is not in use), status button (which reports the status of the image—

successful or unsuccessful), multi bank identifier options A, B, C (to link to specified banking accounts), switch indicator (allows user to determine which designated banking account area to send transmittal to—

for example switch A for user'"'"'s first banking account, switch B for user'"'"'s second bank account, switch C for user'"'"'s third bank account), attachable, extendable holder that feeds checks into device, and/or holds checks after they have been fed into device, interchangeable for connection on either side of device, window that opens (for multiple check and/or money order transmittal processing, attachment clip that holds and connects extendable holder to device, magnetic strip and swipe reader that reads data on the check to verify that image being transmitted is a check, before being delivered for OMS processing, virtual memory that acts as automatic backup for user (virtual memory time frame can range from 30 minutes, 24-48 hours, 72 hours, etc), void check button that activates check voiding feature after it has been scanned and wirelessly delivered using WEDS onto OMS, print image option (which can be connected to computer to print image offline, and/or connected to a printer for direct image printing, and/or beamed to a printer for image printing (through infrared beam on device), unique fax number with fax system built into WEDS computer network so all images faxed to unique fax number (that identifies and links each individual user to their OMS account, and to user banking account) are directly sent to computer network, and linked to the OMS, so user can log on to OMS account system to navigate, submit request, and have request processed by the OMS virtual teller processing system, cutters/blades (that lay flat and raise once command is initiated), switch that initiates blade feature, rechargeable battery, battery recharger, power chord (for backup should internal rechargeable battery become low), button for ink imprint feature, option for installed ink imprints (to imprint on checks for added voided upon successful scan), antenna for wireless frequency to accept and deliver data, unit comprised of durable plastics to produce the device;

pre-installed connectivity ports (such as USB, firewire, serial cable), antenna, power button, backup battery, rechargeable battery, carrying case (for travel), refillable ink and blade slots (optional), send button, preinstalled Wi-Fi/Bluetooth chip to enable wireless capabilities (to allow device not only connectivity to the wireless computer network, but enablement to scan the endorsed check image wirelessly without the need for a connectivity port or cable);

a slot that allows users to save important data to a data card, infrared beam option—

which allows user to beam data to a infrared capable device;

device foldable to be folded to increase travel, compact necessities;

extendable antenna which increases the level of frequency for signal connectivity;

an internal memory chip (in addition to flash memory feature and virtual memory that is preinstalled in device) inside device that temporarily saves the scanned image (for 30-45 minutes or more—

which gives user enough time to troubleshoot or resend the scan through the system using the device) internally onto the device, should a shut down or check voiding procedure malfunction (ie. check scanning on the device but no delivery to the online system, check be voided in error, loss of power due to, low, or empty battery failure), so that another wireless electronic check deposit transmittal can take place should the system'"'"'s online user account not recognize the scan;

temporary image saver is a vital feature that allows the user to resubmit a scan should any malfunction take place;

once the image is viewed, it must be submitted for deposit, or it is automatically deleted for security (temporary view time frame will be allotted i.e. 60-120 seconds, 1-5 minutes, 10 minutes)—

If the user decides to resend from the device, he or she must check the pop up window that requires the user to submit for wireless electronic check deposit request after viewing once the image has been delivered to his or her account;

the transmission request and transaction data is then documented and sent to the bank to be recorded and possibly monitored;

user is capable of scanning the endorsed check onto the device, which automatically delivers the image to the computer program'"'"'s online system;

User then goes to the website—

entering his/her id and passcode to view the scanned image;

All scans initiated through the device are sent to the user'"'"'s account and automatically documented and monitored for security protection;

check images have the ability to be stored for future deposits (ie. in the case of post dated checks), where the system can be set to deposit a check (or an unlimited number of checks) on a specific date for processing;

device comprised of pre-installed connectivity ports (such as USB, firewire, serial cable), antenna, power button, backup battery, rechargable battery, carrying case (for travel), refillable ink and blade slots (optional), send button, preinstalled Wi-Fi/Bluetooth chip to enable wireless capabilities (to allow device not only connectivity to the wireless computer network, but enablement to scan the endorsed check image wirelessly without the need for a connectivity port or cable);

scanning, and depositing and cashing a check and/or money order online (WEDS.OMS system);

Device materials being comprised of durable plastic (outside and internal build) comparable to that of a palm pilot'"'"'s cover/shell plastic, consisting of onboard (integrated) Bluetooth 802.11b Wireless Networking—

Wi-Fi LAN and Bluetooth, secure digital slot, biometric fingerprint lock, removable battery, two USB ports, two firewire ports, infrared beam, 10Base-T Ethernet, IrDA, transreflective screen with Screen protector, mini flashboard and/or disk on chip flash, rechargeable removable battery, optional flash programming port, internal Bluetooth, memory chip and virtual memory, extendable antenna and holder and feeder, bank identifier switchers, window scanning device (both small and large), with a swipe head reader that reads the numbers on the device to ensure wireless connectivity with the software).

3. The method of claim 1, further comprising of non-check documents that fit the size capacity can be scanned and wirelessly transmitted to the computer network, linked to the user account for document service option (ie. Record keeping option, and/or printing option, and or, to accompany OMS records for unified print and documentation of document scanned and user'"'"'s OMS account records/database.

4. The method of claim 1 further comprising of user account origination to be processed at the bank, where user identity is confirmed and verified, and given login information and a user authorization number in order to register their account online, alternatively allowing the bank to opt to set up/originate the user'"'"'s online check deposit account at the branch, where signature authenticity is obtained for verification—

where the prospective user must sign “

signature cards”

—

to confirm their the authenticity of the user signature before the account is set up, allowing the bank to verify and compare signatures of the one given at the branch, versus the endorsed checks being wirelessly submitted for online check deposit, which enables the bank to take preventative steps of caution, to prevent fraudulent check deposits and user is required to give their fingerprint and have picture taken to link his/her account to the OMS for future processing, user then receives preauthorization code, to set up initially online, or may opt to have it set up at the bank on their behalf, while user is present at the bank;

user will pre-register their device to their pre-set up and originated user account (including model number, device serial number and registration number, date of purchase), so that all scanned images sent from that device are automatically linked to—

and delivered to the user'"'"'s online account (verification and documentation of product registration is required);

once delivered, the user will receive an email alert/notification (to whatever email address the user has entered during in their email notification request area at time of user account set up and origination) that informs the user that a new image has been received for deposit;

The user must then sign in, verify the check information (routing number, checking account number, date on check, check owner'"'"'s name and bank name, user'"'"'s name, date of deposit, amount of deposit, user'"'"'s bank information for deposit, etc.), and choose the option to send the user'"'"'s endorsed check image to the check owner'"'"'s bank for fund verification, and check clearance;

once cleared and approved for deposit with financial institution—

the check owner'"'"'s bank can either A) electronically deposit the funds into the user'"'"'s account (voiding and recording the check transaction) or B) send verification to user'"'"'s bank—

which will guarantee reimbursement of funds, where the user'"'"'s bank will either A) deposit the full amount of funds into the user'"'"'s account until the full check amount clears or B) allow the user to borrow against their account, to supply them with immediate check credit until the processing time frame of the clearing the check has completed and the user'"'"'s bank has been refunded (the full check amount or partial check amount deposited in increments is transferred to user'"'"'s account is fully up to the discretion of the check owner'"'"'s and user'"'"'s banks and/or financial institutions)—

bank has option to use the above processes, or give OMS authorization to do so on their behalf (if federal reserve authorization process to remove funds from one account to the next is not being exercised, and the above mentioned procedure has taken place);

furthermore, the capability of alternative fraud and manual error prevention for those utilizing WEDS and OMS system taking place through (optional) check voiding ability, (1) Paper check Voiding ink process where ink blotches or ink imprints are marked onto the check in a uniquely designed pattern, which automatically voids the check out, and makes the check information no longer visible;

(2) Paper check voiding cutting process, where thin, light, yet sharp cutters or blades are pre-installed in the device (option to change the blade to upkeep sharpness)—

which makes light, yet distinct incisions in the check from a multitude of angles and patterns, in unique patterns, The ink patterns and blade incisions applied to the check take place during the successful captured and transmitted image scan of the check, the check will not release until the scan has been recognized as successful;

once recognized as successful image receipt, the check voiding process begins Before the check is completely released from the device;

(3) The dollar amount and number of checks that a check deposit user is permitted to deposit online/wirelessly is limited to a set number by the bank (to a certain amount of transactions allotted per user in a 24-72 hour time frame—

in addition to monthly usage/transaction allowance), along with a secondary predetermination set by the checking account holder/owner (in addition to watermark print option on check once it has been submitted through the device, to prevent in person fraudulent check cashing and/or money order cashing at banks, financial institutions, check cashing centers, and us postal service centers where it indicates the paper document is void—

which allows presenter to be identified as fraud, in addition to capability of checking system database for that paper document to have been automatically logged using OMS);

(4) Check deposit User Identity verification where the user must register for use of the service;

this registration takes place, where the prospective user goes to the bank, and presents identification to the bank, along with providing fingerprints to register for use of the system (fingerprint option is an optional feature that can be added depending upon user need, and bank discretion—

for internal user rights and access), The user'"'"'s identification verification and data are recorded, and entered into a private database (the private database records all transactions and requests by all user'"'"'s/depositors, which includes their banking and request information as well);

The user database records user'"'"'s transaction history, and stores check images anywhere from 12-48 months (on file), where user may use as a reference, should future discrepancy arise;

Upon registration at the bank, the user is given an account number, which identifies the customer, and is linked to the bank system, to keep track of all transactions initiated under the user'"'"'s (deposit) through the online account management system software controlling system;

depending upon the needs and procedural requirements versus the meeting of client satisfaction needs the bank may set up (or require), the bank may set up account user activation, where deposit user may (or may not) have to wait for a pin number to be mailed to them through their local postal service (regular postage mail, priority mail, overnight mail), in order to activate the user accounts, to initiate deposits;

Once the pin number (given at bank or through the mail), in addition to the user deposit account number, the user must then set up a user login, and password online (through the online account management system software which processes the transaction)—

to be associated with the user'"'"'s account number, to activate the capability, and begin Wireless Check scanning and delivery of endorsed paper check images for online deposit request.

5. The method of claim 1 further comprising of Handheld Wireless Electronic Check Deposit Scanning and Cashing Machine travel size device capability to capture image of check in a smaller view, in order to scan substitute checks that may come in a smaller size, For instance, if the law provides the option for substitute checks to be 2 inches long 2 inches wide, the device will allow miniature image capturing of that size, and allow the size to be maximized upon the delivery from the WEDS computer network to the OMS system for easy viewing;

device and Clamp connectivity option having adjustable unit options—

also where size height, length and width measurements devices vary (smaller and/or larger) of 6½

″

-8″

long, 1-4″

height, 1½

″

-3½

″

width, 1″

-9″

high.

6. The method of claim 1 further comprising of user'"'"'s mobile device must be Internet capable (i.e. Bluetooth installed, dial up service using phone as a modem, wireless service provider browser server/service)—

which would enable user to connect to the Internet (and possibly download computer program software to navigate offline) and manage online check depositing transactions and preferences;

detection and transfer of images occur securely while offline, where image is stored, but inactive for processing, until user manually links the data to his/her OMS user account for processing.

7. The method of claim 1 further comprising the step of delivering an email alert, and or text alert notifications that verify to the check owner and user/depositor of online check deposit transactions along with deposit attempts, successful and completed wireless check deposit transactions (for wireless electronic check deposit request), along with general check information—

such as check number, check amount, date on check, check endorsement information, etc., which is a accompanied with a transaction, which is recorded with the bank, and attached to each specific transaction; and

all transactions are recorded on the OMS system, and with bank through a work “

cue”

that reflects successful transmissions, unsuccessful transmittals, uncompleted transactions, and requests sent and delivered to the system (to monitor consistency on the system, and prevent fraud)—

where an email and/or text alert notification to the payee and payor once the check has been cleared and the funds have officially been deposited—

thus, bank keeps all wireless electronic check deposit transactions and transaction attempts (i.e. images, user account transactions, checking account activity relating to the wireless electronic check deposit system) on file for 12-24 months, 3-5 years, for the life of the checking account, or up to 2-6 years after the life of the checking account, allowing the bank, check deposit user, and check account holder to keep all transactions on file for legal and fraudulent protection purposes;

user also has the option to write and print checks (using a third party application—

i.e. intuit or check writing feature on OMS which allows user to write check on OMS and send the image electronically to another OMS user account, so the monies can be withdrawn from one OMS account and funds made available in another account)—

using OMS system of check writing (check number and image immediately recorded and stored, and send to OMS users bank to void the check out;

in addition to (optional) check cashing center database notification.

8. The method of claim 1 further comprising the step providing the option for OMS (and/or bank) to decide to, or not to allow user to borrow against his/her account in order to cash a business, personal check, and/or business check, and/or user out of state check while funds are being processed, to allow user to receive immediate availability of funds into user account.

9. The method of claim 1 further comprising of the device characteristics including the option for the wireless electronic check deposit scanning machine system device to have built in web browser and server chip to process and control wireless image delivery, and request for deposit in one unit;

along with the device allowing one to several (the capacity to scan 1, 30, 300, and/or 3000+ simultaneously—

using a variation of devices to handle the capacity requested to operate scan and transmittal)—

through devices variation of size thus, One device variation will be the size of a personal paper check, the other will be the size of a personal digital assistant, the other device variation size will be the size of two personal and/or business checks that will come with a holder to place the checks into, in order for checks to be scanned and sent through the device to the network at a faster rate;

scanning more checks in a 60 seconds or less) simultaneously checks to be scanned and wirelessly transmitted and delivered for online check deposit simultaneously, to grant user ability to wirelessly scan many checks at the same time using the window feature or multi feeding feature;

hardware device has;

     1) switch that identifies all bank accounts pre-registered on the account (so when the check, money order is swiped through the device the device then knows (through WEDS) what account to send the image to for OMS processing—

user registers using the OMS to provide bank information and user account data, in order to designate scanning transactions to specified banking location (for example, A, B, and C are labeled on the device where user registers on the OMS, so label A goes to user'"'"'s first banking account, label B commands deposits and/or cashing for user'"'"'s second banking account, and label C commands deposit/and or cashing for user'"'"'s third banking account—

which goes into user'"'"'s checking account using WEDS to transfer and OMS to process data images) so user can have transmittals go to specified banking accounts for specific transactions;

     2) window of scanning device that can be pulled out, so checks (and/or) money orders can be scanned through the device for OMS processing.

10. The method of claim 1 further comprising the step of the bank (located on the check) verifying with the user whether that feature is available on the account linked to the check;

before that information is released the user must first give the bank the hardware registration number, which will be identical with and intertwine with the software registration number (—

which arrive to user collectively for option to use hardware with software—

registration number is unique and identifies and links each individual user with their banking account—

thus, may have characters, model and serial numbers combined with user banking account selected number), so no two device registration numbers (on hardware or software) are alike, the hardware is initialized by the software, in which they both are integrated and work together, relying on one another in order to communicate with one another for operation activation and/or use—

thus only the unique hardware registration number and software registration number (which may or may not include a variation of numbers, that are identical with the user'"'"'s banking account number and/or routing number can communicate with each other only—

so the hardware is dependent on the software and vice versa in order for operability of WEDS hardware (Wireless Electronic Check Deposit Scanning and Cashing Machine—

wireless transmission of data); and

OMS software (web-based Online account cash Management solution computer application software System (also known and referred to as OMS virtual/live teller) operating and intertwining as a whole (i.e. Thus, if hardware is stolen, it cannot be used, because it was created to work with the specified software program and hardware device it was uniquely created for;

attempt codes, which will be logged into bank records—

each registration number is unique, and is tied to each individual user'"'"'s banking account and/or routing number in order to operate, that it identifies all bank accounts—

so the numbers can connect with the bank (user'"'"'s bank, and check owner'"'"'s bank);

virtual teller (which is OMS, and includes live help in Instant message format during business hours on the OMS website, available to registered users who may wish to ask questions from a live teller regarding their OMS online account) acts a liaison between check holder, user/depositor/casher to verify funds, and gain permission to move funds (for the check amount) from one destination (i.e. the check owner'"'"'s banking account) to another specified destination (i.e. into the user/depositor account) which reflects as a wire/electronic transfer for immediate and/or expedited funds availability processing time frame (the option for OMS to link with bank, check cashing, US Postal service, Western Union (and the like) database to verify and gain electronic approval for cashing and/or depositing—

making funds available to user/depositor/casher (western union option for wire of funds to user to be available for OMS account deposit, where user can have funds and/or check delivered to OMS account, log on and direct funds which account and for how much to make funds for in whatever banking account user decides to make the deposit in—

through OMS linking to western union to receive wires and checks being made payable to users through western union, so the user does not have to;

     1) go into a western union location to retrieve their funds and/or

     2) give out their personal banking account information (OMS creates specialized account to receive monies)—

it is made available through OMS—

where user can receive the funds online, and direct the OMS in which account(s) to deposit the monies in—

user can deposit in increments—

Example;

user receives a wire for $1,000.00 from western union—

user can then have the monies sent to their OMS account, and direct OMS to deposit $500.00 in account A, $250.00 in account B, and $250.00 in account C, for a total of $1,000.00 made available to user for immediate use in three specified areas) and transferable and/or allowing points of authorization ability to view OMS checks and money orders deposited as fraud protection)—

requesting funds to gain authorization to verify and make funds available from check and/or money order depositing and/or cashing on behalf of user through transfer of funds authorization, then making monies available to user/depositor/casher, through authorization from Federal Reserve Bank approval, and/or financial institution/bank (user'"'"'s, and check owner'"'"'s) approval, and/or check cashing and postal service database approval, using the OMS, as virtual online teller;

device has lock security feature (option), where the user must enter a passcode in order for the device to be operable once power has been turned on;

the user may set online preferences that will enable him or her to deactivate use of their device should it become lost or stolen;

After the device has gone without use for a specified time frame (i.e. 24-40 hours or 2 weeks), (option to where) the device becomes automatically inactive, where further use is no longer possible without re-registration;

User may re-register the device through his or her online account, and after answering specific security questions given during initial registration may be completed for continued use of the device, which is a security feature allows the user to keep fraudulent scans that may occur—

in addition to user registering his/her hardware device (wireless electronic check deposit scanning machine) on the OMS in order to track device uses/transactions—

also where user must log on to system in order to view endorsed check image;

if lost of stolen device, the user can log on to his or her online account, and notify the manufacturer'"'"'s customer service, where the device can be set to receive no signal, so scan transmissions will not go through, and will not be delivered, they will be unsuccessful transactions, and listed as a stolen device under that serial number;

manufacturer'"'"'s authorized technical support and warranty department upon receipt of the actual (or deactivation of unit, making the device unavailable, un-optional for service and/or connection to the OMS to fully utilize WEDS.OMS) unit for resale or repair (through OMS technical support), etc. will reset the registered software for communication with a replacement device.

12. A computer program of claim 2 for executing and maintaining online security assurance along with successful, completed transactions and transaction attempts;

through blocking unknown, unauthorized, un-programmed/unidentifiable data and file transmission or alteration attempts and deliveries during, after, or before data transmissions—

This prevents outside, unauthorized users from attempting to corrupt, un-code, read, block, freeze, or copy data to gain access to hidden and protected images, and encrypted data during data transmission, and capturing user picture on user'"'"'s webcam for check cashing processing, money order processing requests, and may or may not require for check deposit processing requests (for expediting requests to borrow against user'"'"'s account);

high security level prevents data leakage (i.e. client databases;

transaction histories—

including successes, denials, attempts) and visibility or access to unauthorized parties, by encoding and encrypting data files, and locking and distorting data image views that may be viewed upon entering a unique password and user identification—

that can only be launched through the registered website on an authorized computer network—

only accessible through banks and financial institutions;

software can be pre-installed for working offline, where the user can scan and save check images to his/her computer, for future deposit (i.e. future deposit date, post dated checks for future online delivery, to serve as backup should scan not be successful wireless delivery attempt, etc.) through firewire connectivity port, USB, or serial cable—

where the check image can be delivered to desktop computer, laptop computer, mobile device, pda, and/or any other Internet enabled device with USB, firewire, and/or serial cable, which would permit users to scan offline, using a connectivity port, with the option to send that endorsed check image wirelessly onto the online system (OMS);

data cannot be requested for submission, and wireless electronic check deposit request cannot be initiated, until user has registered with their bank for online registration information;

until the code has been accepted and account has been set up online where user has created a user password and identification number—

The system creates a user account number which may or may not be a combination of the original access code given to the user at the bank—

along with user'"'"'s banking account identification numbers;

upon account set up and registration with the user'"'"'s bank, the user is set up for processing wireless electronic check deposits (check, money order cashing) for any personal check, business check, government check, money or (who'"'"'s users or—

in the case of the government department heads—

have authorized wireless electronic check deposit feature as an option);

granting bankers the option to include Saturday hours as an option to include in their processing time frame notification is an option for bank or financial institution users (check owner'"'"'s bank/financial institution);

feature allowing banks to include a section called/labeled “

bank notes”

or “

bank notation”

where they can post stipulations, regulations, processing time frames, and additional clauses, etc.—

so when the user selects the check holder'"'"'s bank to submit the request for wireless electronic check deposit request, the banks notes will be visible;

account registration having automated information requests and options for the user;

requests such as user'"'"'s code given by the bank, first name, last name, complete address, email address, social security number (or last 4 digits alternative), mother'"'"'s maiden name, phone number, work number, cellular phone number, bank references, employment history, etc. Automated options including alerts upon receipt of request, alerts upon processing of transaction, alert upon unsuccessful transactions (denials, incomplete submissions), option to copy account information to other banks for future transactions with selected banks.

13. A computer program of claim 2 where forwarding capabilities where check image can be forwarded online to another destination via email and/or fax, where user can set and customize commands that automatically comply to user set preferences (i.e. check image storing time frame, deposit request for specified deposit date, etc.), along with print option—

where user/depositor can have check image printed to a designated printing location—

which may or may not be preset to only print general information (i.e. not check owner'"'"'s address, account and routing number, check owner'"'"'s signature, etc.) to protect check owner'"'"'s privacy for user/depositors who wish to print the check image;

with printing option, where sensitive check owner data of the check image is unreadable (as in FIG. 4—

A and B);

alert options and settings, record of transactions (where receipt can be printed, and/or OMS account user'"'"'s transaction and conformation page that recorded and confirmed transaction—

deposit, cashing of money order/check, and/or verifying purchase of money order), and endorsed check images and deposit data on file, live teller option feature, liaison capability to verify transfer and disperse of funds for electronic deposit EFT, set language capacity—

English, Spanish, Greek, Chinese, Hebrew, Japanese;

user log in and preference setting capabilities, along with levels of security (including password changes, bank account deposit account data changes, etc.);

purchase of money order available through authorization to link OMS with and internal and/or contracted connection with US Postal Service (by OMS purchasing Xamnt of money orders, and selling to OMS account user as a third party vendor, and/or OMS receiving funds from OMS account user, then purchasing directly from US Postal service system electronically, allowing OMS account user ability to print specially coded, bar code protected, system documented money order online through OMS);

both check owner, and endorser'"'"'s signatures are verified (in addition to depositor'"'"'s, casher'"'"'s picture being captured on live (USB, serial, or wireless webcam) web cam for security purposes.

14. A computer program of claim 2 comprising of fax option (based on software use, when user is opting to not use hardware), where user/depositor signs up and is given a unique fax number (identifiable to user'"'"'s OMS account and banking account) which is linked to the wireless computer network (WEDS network), which allows the endorsed front and back check image to be captured, received, and delivered to the OMS for check deposit, check cashing, money order cashing processing—

where user must then link their webcam to the network for processing request to be submitted and processed (to confirm user identity and verify transaction request “

live”

—

as an added security feature—

to prevent fraud);

fax option can be used for check cashing/depositing, money order cashing, and future deposit(s) (ie. Commanding the OMS to deposit two weeks from initial delivery onto OMS user account) request(s);

software system feature allows Live, Online check cashing and money order cashing (along with money order deposits, check deposits, and money order printing) option, that allows user to cash a check, and/or money order with the use of WEDS to deliver the (endorsed) check, and/or money order onto the OMS for processing;

consisting of the following steps;

     1) (endorsed) check, and/or money order image is sent wirelessly to network, and linked to OMS (for delivery to user'"'"'s OMS account);

     2) image is retrieved after user logs on;

     3) user is then able to request for check to be cashed, or money order to be cashed (which will appear as a electronic funds transfer;

     4) OMS verifies, user, check/money order data (by verifying with federal reserve bank, financial institution—

in the case of money order—

post office centers and databases, and check cashing centers and databases) for approval to move funds from specified area (i.e. Check owner'"'"'s account), into user'"'"'s banking account as an EFT;

     5) verifies user account info and system (to ensure check and/or money order has no multiple deposits, or cashing transaction histories (multiple deposits allowed in the case where user is depositing with check owner'"'"'s written and submitted permission, monthly payments, and/or donations to a business and/or organization for the same dollar amount, and on the same day of every month—

which acts as an automatic payment, or automatic donation of funds removed from check owner'"'"'s account on a specific date, at a specified time—

i.e. Weekly, monthly, quarterly, and/or annually—

from check owner'"'"'s checking account, into depositor'"'"'s account—

referencing the original check image as added authorization to deposit);

     6) verifies and captures image (photo) of user'"'"'s live image seen and connected to OMS through user'"'"'s web cam, in addition to recording user'"'"'s ISP address, and account data;

IRS and tax preparation software feature in connection with system options, that allows user to have bank account transactions (sales and revenue) itemized and organized by month, quarter, year—

separating personal from business expenditures, preparing user for taxes with suggested tax forms for user'"'"'s state and account;

allowing user to enter donations that have not been reflecting on account and print up itemized charts and workflow sheets (to attach with physical receipts not utilized through user'"'"'s banking account, locating business expenses and tax write offs for user tax and accounting preparations;

acting as bookkeeper keeping a running balance of user'"'"'s expenditures, sending alert notifications (vie email, text messaging, and/or automated voice messaging) when balance reaches a certain figure (determined by the user), when expenses and/or revenue reach a certain dollar mark (determined and entered onto OMS by the user);

automatic grouping(s) of finances and automatic expenditure is processed based upon how user groups transaction history and data provided on his/her account, which is printable—

separates personal expenses and/or revenues and donations from business expenses and/or revenues and donations, in addition to those purchases and/or donations which can be written off—

features allow OMS user to utilize OMS account data and transaction history, in addition to the ability to add transactions not reflected on bank account, to prepare WEDS and OMS System account users with financial organized documents for tax document preparation.

15. A computer program of claim 2 further comprising of the wireless electronic check deposit scanning machine is connected to a wireless computer network, which is lined to an online web-based computer application (controller) system where check deposit becomes a request that OMS obtains verification (acting as a liaison between the user/depositor and his/her bank, along with the check owner'"'"'s bank, and processes either through the Federal Reserve Bank, and/or through the user/depositor and check owner'"'"'s bank where the funds being deposited into the user/depositor'"'"'s account is performed as an EFT (electronic funds transfer) into the user/depositor'"'"'s bank checking account for online check deposit;

enables user ability to control operational maintenance through the option to set preferences to include “

bank notes”

or “

bank notations”

with their email notification alert of wireless electronic check deposit request.

16. A computer program of claim 2 comprising of where TCP/IP, IPX/SPX, or comparable communication tool is used to enable communication over the internet (from WEDS to OMS—

so hardware and software are integrated) wireless check and deposit scanning device are then able to communicate with the wireless network over the internet (using WEDS and OMS as a whole unit—

one entity) that links (and delivers) the endorsed check(s) and/or money order image(s) to the OMS for processing;

operating system of Linux, Unix or comparable computer operating system tool to function as a secure server for WEDS.OMS system;

software programming language tool Java, C++, or comparable language tool enables use of the software program (OMS—

which will allow software OMS, to communicate with the device, using WEDS, through pre-programming—

Thus, the hardware cannot act and/or perform without communication with the software;

sending commands and receiving images for operation) on Internet enabled mobile phones, pda devices, all Internet enabled devices, desktops, laptops, in order to navigate and set commands using the web-based application controller software system—

in addition to setting security user capabilities to the master program;

execute commands set forth by online user/depositor (i.e. receive check images through scanning device it communicates with, and is linked to, verification of the endorsed check image data through user log in and typed verification input, confirm data with check owner'"'"'s bank, and the like thereof;

images can be viewed as a jpeg file, gif file, tiff, pdf file or any other image viewing enabled, readable format file, preinstalled in the software for easy viewing—

which can be installed on an Internet mobile device, laptop, desktop, pda, and/or any other Internet enabled device.

17. A computer program of claim 2 comprising of allowing the user to utilize a non-endorsed check image feature, where the user can wirelessly scan and have delivered into his/her account (OMS) any image that will fit the size of the device;

check owner has the option (depending upon discretion of the bank) to keep a record of all wireless electronic check deposit transactions that have taken place under the checking account until the bank delivers a statement showing the check deposited wirelessly along with transaction number.

18. A computer program of claim 2 further comprising of where a variety of protective image slides (also known as protective image blockers) are pre-installed imprinted onto the image (single slides or combination of slides) and encrypted to prevent view of image during all wireless and online data transmission, where the mage has distinct, yet unique security features, where a single and/or combination of characters, numerical figures, and designs operate together to make the image unreadable and undetectable, and upon receipt of the image, the protective image blockers or protective image slides are released, which can be done through a number of ways—

A) upon successful delivery—

the image is automatically released and delivered to a specified area in which only authorized users of that feature may view the image (i.e. authorized wireless electronic check deposit account user can view the images scanned and linked to be delivered to his or her account;

authorized bank user who receives image, and initiates the wireless electronic check deposit verification process) and/or B) the user must go to a specific area to release the protective image blocker/slide to unblock the image (option A, option B, or a combination of the two may be exercised, depending on the discretion of the bank)—

and pre-installed slides are encrypted.

19. A computer program of claim 2 further comprising of language preferences where the user may operate and link his or her account online in English, Spanish, Chinese, Hebrew, French, Russian, Portuguese, Japanese (along with a multitude of other language alternatives);

option to save and backup coded transaction information to an external device;

option for user to sign onto to his or her account to register a mass request to registered banks (banks who have opted to make this service available to their account holders)—

for a request to copy the user account information into their database for future transactions—

this feature is entirely up to whatever banks decide they want to add their contact information for user contact;

users bank has the ability (depending on user request or acceptance of feature) to copy registered users information to select banks (that user has requested or authorized) for recording of future transactions—

thus, user'"'"'s info will be in bank'"'"'s database prior to wireless check depositing transaction request is initiated.

20. A computer program of claim 2 further comprising of an ability that prevents duplicate deposits (of the same exact check amount—

without the check owners written permission to process repeated deposits on the same check) through a preauthorization that verifies the check information (check number, check amount, routing and account number, signature) does not exactly match any previous deposits linked to the users account;

In addition, the final authorization is through the bank, where the wireless check deposit request linked to the users account automatically scans the entire bank database to process an automated search to verify no like items have been requested—

which is another feature to this computer program;

allows the system to prompt the bank to do a secondary check on the checking account owner'"'"'s account once the automated computer program initiates and launches the banking system'"'"'s history to locate like/similar/exact wireless (and paper checks) check deposit transactions and requests—

this important security feature verifies that no like items have been deposited (i.e. check number, check amount, date, etc.), before funds are verified for deposit, before entire transaction process begins;

once a pattern of deposits or similar/like transactions have been detected (i.e. same or similar user depositing multitude of checks for same or similar amount, wireless check deposits in small, large, consistent, constant, frequent increments, etc.) for wireless (or paper check) deposits, the computer program system automatically does a security scan for fraud protection check and notifies the bank of the pattern through an internally secure online system alert/notification—

prompting the bank to further investigate the transaction, check owner account, and user account.

21. A computer program of claim 2 further comprising of an WEDS.OMS workflow and query screen (that can be set in the preferences menu to occur at a specified date and time on an annual, weekly, or monthly basis) which lists all transactions completed, attempted, approved, denied, incomplete—

It includes user name, account number along with check information—

this feature allows bank users to customize a system that will enable them to monitor selected, unique, transactions that fit their specified profile (i.e. programming the computer system to find all transactions that fit a particular dollar amount, user id, checking account number and/or signature pattern—

along with additional user options);

computer program system can be installed on a desktop/laptop computer (for desk use), and can be downloaded onto a mobile device (for use while in travel);

once the computer program is installed, users can connect device to the computer/Internet capable device (through USB or firewire connectivity port);

once the device is connected to the computer/Internet capable device, the computer program'"'"'s icon (which will allow access to the program) will be on the desktop/home screen;

once it recognizes the device, user can press the status button on the device and the computer program will automatically open and gain immediate access to the online system it is linked to, the user is then able to log in with username and password to begin making commands in the computer program system online management service (OMS).

22. The claim of 2 further comprising of the option for user to receive a check via fax to be wirelessly electronically deposited into their account;

the check account owner would call the bank for a unique processing code number (may be numbers, characters, symbols, or a mixture sum or all)—

which serves as proof that the bank is aware of the transaction about to take place—

Upon receipt of the front and back copy of the signed check, along with the processing number given to the check owner by their bank—

the user verifies the information and forwards it to their bank (through the computer program system online account management system) and requests for check owner initiated wireless electronic check deposit;

the user'"'"'s bank (linked to the computer program online account) receives, verifies (with the check owner'"'"'s bank), records and processes the check, an email alert notification is sent to the account user and the check owner to inform them of the processing status and time frame, along with a transaction number for the completed transaction—

this option makes it possible for the user to receive signed, valid checks from the check owner via fax, to directly deposit into their account, Security of delivery of the check is low due to the fact that the check owner is faxing it through their personal (secure) system OMS (online account management system) to act as a liaison between check holder, user/depositor to verify funds, and gain permission to move funds (for the check amount) from the check owner'"'"'s banking account to the user/depositor account as a wire/electronic transfer (to expedite deposit time frame), through authorization and confirmation with the Federal Reserve Bank, check cashing center database, US Postal Service money order database systems.

24. The system of claim 3, further comprising of login in password that is delivered to authorized bank users (which can be updated every month, every other month, or every quarter)—

which can or cannot come with an additional access pass-code question (in general or in the event user log in info be misplaced or forgotten)—

Before the authorized bank user is prompted to provide his or her fingerprint for access to the system;

Authorized bank users are allowed detailed and full access to online transactions—

which allows review of transaction histories (i.e. user information, check amount, check number and check date, etc.);

secondary, less authorized bank user level (herein known as the secondary bank user), where secondary bank user is given less access to the system than an authorized bank user—

This allows only for the authorized bank user to view general information regarding the check owner'"'"'s banking data, along with a limited amount of account user data without recorded and approved authorization of higher authorized bank users—

The main function of the secondary bank user is to verify and transfer funds, verify image data, and verify both user and check owner information before a transfer of funds takes place, the secondary bank user verifies and authorizes check information to permit approval for wireless electronic check deposit into user account.

11. A computer program that receives and manages wireless transmission of data (check and money order images), which contains a software registration number that is connected to a hardware user registration number on the hardware device, that has a unique numbers and/or characters that identify each individual customer, once transmittal of image(s) is received with connected unique transmittal number (that identifies the customer) the system automatically delivers the image to a specified area on the OMS (which is the OMS user'"'"'s account viewing area);

program verifies electronically with federal reserve bank, financial institutions/banks, check cashing center databases, post office center databases to verify check data, user data, and to gain permission to transfer funds based on the data received by the OMS;

program acts on user'"'"'s (depositor, and or casher'"'"'s) behalf by processing teller transactions online, in a wireless environment;

program capable of linking with money ordering systems and infrastructures through electronic notifications, authorizations, and permissions, to enable user to print money orders online (which will be input into OMS database system, that records and notifies check cashing database centers, and/or money order database centers, and/or postal service centers'"'"' system databases of money orders purchased and cashed)—

Includes specialized, unique print and bar code which reflects on user'"'"'s print out that can be scanned upon presenting for cashing), and cash money orders online and checks online (through electronic funds transfer, through wiring of money, and through OMS allowing user to borrow against their account to make funds available immediately in their checking/banking account);

conducting wireless electronic check deposits—

using a system that wirelessly recognizes received images, for transfer of data and, copying and verification of data, along with bank submission of transaction information, linking wireless transactions to an online user account, which processes the wireless electronic check deposit process;

the system acts as an intermediary tool that provides the user and bank with information in the form of encrypted/protected images, bank and user information;

It controls the transaction alerts, and records and delivers information;

Information being recorded and delivered consists of receiving user information submitted, delivering data to the bank in a secure manner, receiving reply and instructions from the bank, which is delivered through the system computer program back to the user to advise of the outcome of request;

In addition to sending out notifications to all parties of final outcome of the attempt (via email, text message, postal service correspondence mailing);

user'"'"'s account is linked to his or her bank/financial institution, which prevents fraud, and makes deposit process quicker and more efficient.

23. A software system capability for optimized, high level security (and maintenance for OMS and WEDS) alternative options (i.e. Setting internal user security levels, and bank security internal authorized users and security features, etc.) to be used (in a secure, wireless, electronic environment) internally at financial institutions, banks, and/or any other establishment that has access to the OMS and WEDS system, where multiple users may have access to system database managed by a corporation, or government entity comprising of an optional fingerprint feature, where in order to gain (higher authorized) access to the (sensitive, high secure data) account, the bank authorizer must provide a copy of their fingerprint which is embedded into the system to serve as identification where only that person can use and operate detailed transaction data (for previous, and current transactions—

such as detailed endorsed check image and information;

detailed check owner information—

such as owner'"'"'s name and address, bank routing number and check account number, check number and date, etc.; and

detailed user information—

such as their account number, transactions they have made throughout the life of their online account, etc.);

system can detect user level of user rights, accessibility, and capability rights to control and preset user rights and options, set by fingerprint imprint recorded and securely stored into he system database for print matching availability (i.e. system gives online users/depositor limited user capabilities and access set forth and programmed through the software that is linked to the OMS for processing—

which limits user/depositor online access areas, and levels of controls and commands that can be set for through the website and/or while working off line); and

capability to recognize authorized bank user'"'"'s fingerprint through a touch screen, The touch screen may be third party hardware that is identified and installed to recognize the fingerprint (through the software system), and link to the online system upon database authorized bank user'"'"'s fingerprint data bank (that records all authorized bank users) that will record the fingerprint imprint and match it to an exact matching fingerprint in the data bank to allow authorized bank user access to the system (WEDS.OMS).