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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
First Claim
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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.

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