Systems and methods of check re-presentment deterrent

• US 7,698,222 B1
• Filed: 09/02/2008
• Issued: 04/13/2010
• Est. Priority Date: 09/02/2008
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Bueche, Michael Patrick Jr.
• Primary Examiner(s): Trammell; James P
• Assistant Examiner(s): Nguyen; Tien C
• Application Number:
  US12/202,749
• Time in Patent Office: 588 Days
• Field of Search: 705 1- 45, 283/58, 462/81, 235/379, 235/380
• 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 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A user or a device may separate a check into two or more portions prior to generating a digital image of the check for remote deposit of the check. The user or a device may separate the check by cutting or tearing the check. After separating the check into the portions, the user may generate a digital image of the portions of the check using a scanner for example. The digital image may be transmitted to an institution for deposit of the check. The institution may retrieve the images of the portions of the check and generate an image of the check based on the portions, by combining the images of the portions for example. The image of the check that may be generated based on the images of the portions may be processed for deposit.

Claims

1. A method of depositing a negotiable instrument, comprising:

electronically receiving at an image processor of an institution a digital image file comprising an image of a plurality of portions of the negotiable instrument from a user computing device of a user, wherein the negotiable instrument is physically separated into the plurality of portions;

electronically obtaining financial information pertaining to the negotiable instrument from the plurality of portions in the digital image file using the image processor; and

electronically depositing funds of the negotiable instrument into an account of the user based on the financial information.

2. The method of claim 1, further comprising inserting the financial information obtained from the plurality of portions into a template, wherein depositing funds of the negotiable instrument into the account uses the template having the financial information.

3. The method of claim 1, wherein each of the plurality of portions has a front side and a back side, and the image of the plurality of portions comprises the front side of each of the portions.

4. The method of claim 3, wherein the digital image file further comprises an image of the back side of each of the portions.

5. The method of claim 1, wherein the negotiable instrument is physically separated into the plurality of portions by cutting or tearing the negotiable instrument into the plurality of portions.

6. The method of claim 1, wherein the negotiable instrument comprises a check.

7. The method of claim 6, wherein one of the plurality of portions comprises a magnetic ink character recognition (MICR) number.

8. A computer-readable medium comprising computer-readable instructions for depositing a negotiable instrument, said computer-readable instructions comprising instructions that:

electronically receive at an image processor of an institution a digital image file comprising an image of a plurality of portions of the negotiable instrument from a user computing device of a user, wherein the negotiable instrument is physically separated into the plurality of portions;

electronically obtain financial information pertaining to the negotiable instrument from the plurality of portions in the digital image file using the image processor; and

electronically deposit funds of the negotiable instrument into an account of the user based on the financial information.

9. The computer-readable medium of claim 8, further comprising instructions that insert the financial information obtained from the plurality of portions into a template, wherein the instructions that deposit funds of the negotiable instrument into the account use the template having the financial information.

10. The computer-readable medium of claim 8, wherein each of the plurality of portions has a front side and a back side, and the image of the plurality of portions comprises the front side of each of the portions.

11. The computer-readable medium of claim 10, wherein the digital image file further comprises an image of the back side of each of the portions.

12. The computer-readable medium of claim 8, wherein the negotiable instrument is physically separated into the plurality of portions by cutting or tearing the negotiable instrument into the plurality of portions.

13. The computer-readable medium of claim 8, wherein the negotiable instrument comprises a check.

14. The computer-readable medium of claim 13, wherein one of the plurality of portions comprises a magnetic ink character recognition (MICR) number.

15. A system for depositing a negotiable instrument, comprising:

at least one subsystem that electronically receives at an image processor of an institution a digital image file comprising an image of a plurality of portions of the negotiable instrument from a user computing device of a user, wherein the negotiable instrument is physically separated into the plurality of portions;

at least one subsystem that electronically obtains financial information pertaining to the negotiable instrument from the plurality of portions in the digital image file using the image processor; and

at least one subsystem that electronically deposits funds of the negotiable instrument into an account of the user based on the financial information.

16. The system of claim 15, further comprising at least one subsystem that inserts the financial information obtained from the plurality of portions into a template, wherein the at least one subsystem that deposits funds of the negotiable instrument into the account uses the template having the financial information.

17. The system of claim 15, wherein each of the plurality of portions has a front side and a back side, and the image of the plurality of portions comprises the front side of each of the portions.

18. The system of claim 17, wherein the digital image file further comprises an image of the back side of each of the portions.

19. The system of claim 15, wherein the negotiable instrument is physically separated into the plurality of portions by cutting or tearing the negotiable instrument into the plurality of portions.

20. The system of claim 15, wherein the negotiable instrument comprises a check.

21. The system of claim 20, wherein one of the plurality of portions comprises a magnetic ink character recognition (MICR) number.