CHECK VERIFICATION AND REMOTE DEPOSIT CAPTURE

• US 20150039504A1
• Filed: 07/31/2014
• Published: 02/05/2015
• Est. Priority Date: 07/31/2013
• Status: Abandoned Application

• Current Assignee: Cachet Financial Solutions, Inc. (Minnesota)
• Original Assignee: Cachet Financial Solutions, Inc. (Minnesota)
• Inventors: EBBERT, Christopher F.
• Application Number:
  US14/447,850
• Publication Number:
  US 20150039504A1
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque

Abstract

A remote deposit capture system is provides a remote deposit capture system that provides for physical manipulation of the financial instrument for deposit verification purposes.

Claims

1. A remote deposit capture method, carried out on a computing device under the control of computer executed instructions, comprising:

receiving a scanned image of a financial instrument;

processing the image to extract information relating to a financial transaction;

evaluating the information to determine if it meets an criteria; and

receiving an image of an altered financial instrument, provided the criteria are met,

wherein the alteration indicates that the financial instrument has been processed.

2. The method of claim 1 wherein the alteration comprises writing.

3. The method of claim 1 wherein the alteration comprises a stamp.

4. The method of claim 1 wherein the alteration comprises the phrase “

electronically deposited.”

5. The method of claim 1 wherein the alteration comprises the phrase “

void.”

6. The method of claim 1 wherein the alteration comprises physically destroying the financial instrument.

7. The method of claim 1 wherein the alteration is dated.

8. The method of claim 1 further comprising the step of evaluating the altered image to determine if the alteration meets a criterion.

9. The method of claim 8 wherein if the alteration does not meet the criteria an opportunity to submit a new altered image is provided.

10. The method of claim 1 further comprising the step of sending notification of the evaluation.

11. The method of claim 10 wherein the notification is sent to a user.

12. The method of claim 10 wherein the notification is of a failure.

13. The method of claim 10 wherein the notification is a success.

14. The method of claim 1 wherein the criteria is performed by a human.

15. The method of claim 8 wherein the alteration criteria is performed by a human.

16. The method of claim 1 wherein the financial instrument is a check.

17. The method of claim 16 further comprising the step of crediting the check to an account.

18. The method of claim 16 further comprising the step of making available funds identified on the check.

19. The method of claim 1 wherein the alteration is on the front side of the financial instrument.

20. The method of claim 1 wherein the alteration is on the back side of the financial instrument.