Systems and methods for remote deposit of checks

• US 7,876,949 B1
• Filed: 10/31/2006
• Issued: 01/25/2011
• Est. Priority Date: 10/31/2006
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Morris, Michael Frank, Harpel, Greg Alan, Morlen, Randy Ray, Oakes, Charles Lee III, Nuggehalli, R. Bharat Prasad
• Primary Examiner(s): AZARIAN, SEYED H
• Application Number:
  US11/591,025
• Time in Patent Office: 1,547 Days
• Field of Search: 382/112, 382/113, 382/115, 382/116, 382/135, 382/137, 382/138, 382/139, 382/140, 382/155, 382/168, 382/181, 382/182, 382/187, 382190-203, 382/232, 382/260, 382/274, 382/276, 382/287, 382/294, 382/295, 382/305, 382/320, 382/321, 382/176, 709/219, 235/379, 705/45, 705/64, 705/21
• US Class Current: 382/137
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Remote deposit of checks can be facilitated by a financial institution. A customer'"'"'s general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Claims

1. A computer readable medium storing computer executable instructions issuable by a processor to:

receive, at a depositor-owned computer device communicatively coupled to an image capture device, a remote deposit component from a financial institution;

obtain an identification of the image capture device used to generate an image of a check and an identification of a customer check deposit account;

generate a log file comprising information associated with a check deposit transaction, said log file comprising;

the identification of the image capture device used to generate the image of the check, and

the identification of the customer check deposit account;

an identification of a browser application instantiated on the general purpose depositor-owned device; and

an identification of a virtual machine framework instantiated on the general purpose depositor owned device;

send the generated log file to the financial institution via the remote deposit component.

2. The computer readable medium of claim 1, wherein said identification of the image capture device comprises a scanner make and model.

3. The computer readable medium of claim 1, wherein said identification of the image capture device comprises a digital camera make and model.

4. The computer readable medium of claim 1, wherein said identification of the image capture device comprises unique identifier associated with said image capture device.

5. The computer readable medium of claim 1, said log file further comprising an identification of a customer associated with said customer account.

6. The computer readable medium of claim 1, said log file further comprising an identification of an operating system associated with a customer controlled general purpose computer associated with said image capture device.

7. The computer readable medium of claim 1, said log file further comprising an identification of an amount of said check.

8. The computer readable medium of claim 1, said log file further comprising said image of said check.

9. A processor-implemented method for generating a log file comprising information associated with a check deposit transaction, said method comprising:

receiving, at a depositor-owned computer device communicatively coupled to an image capture device, a remote deposit component from a financial institution;

obtaining an identification of the image capture device used to generate an image of a check and an identification of a customer check deposit account;

generating by a processor a log file including the identification of the image capture device used to generate the image of the check, an identification of a browser application instantiated on the general purpose depositor-owned device, an identification of a virtual machine framework instantiated on the general purpose depositor owned device and the identification of the customer check deposit account; and

sending the generated log file to the financial institution via the remote deposit component.

10. The method of claim 9, wherein said identification of the image capture device comprises a scanner make and model.

11. The method of claim 9, wherein said identification of the image capture device comprises a digital camera make and model.

12. The method of claim 9, wherein said identification of the image capture device comprises unique identifier associated with said image capture device.

13. The method of claim 9, further comprising placing an identification of a customer associated with said customer account in said log file.

14. The method of claim 9, further comprising placing an identification of an operating system associated with a customer controlled general purpose computer that is in turn associated with said image capture device in said log file.

15. The method of claim 9, further comprising placing an identification of an amount of said check in said log file.

16. The method of claim 9, further comprising placing said image of said check in said log file.

17. A system for generating a log file comprising information associated with a check deposit transaction, comprising:

a subsystem for receiving, at a depositor-owned computer device communicatively coupled to an image capture device, a remote deposit component from a financial institution;

a subsystem for obtaining an identification of the image capture device used to generate an image of a check and an identification of a customer check deposit account;

a subsystem for generating a log file including the identification of the image capture device used to generate the image of a check, an identification of a browser application instantiated on the general purpose depositor-owned device, an identification of a virtual machine framework instantiated on the general purpose depositor owned device and the identification of the customer check deposit account; and

a subsystem for sending the generated log file to the financial institution via the remote deposit component.

18. The system of claim 17, wherein said identification of the image capture device comprises a scanner make and model.

19. The system of claim 17, wherein said identification of the image capture device comprises a digital camera make and model.

20. The system of claim 17, wherein said identification of the image capture device comprises unique identifier associated with said image capture device.

21. The system of claim 17, further comprising a subsystem for placing an identification of a customer associated with said customer account in said log file.

22. The system of claim 17, further comprising a subsystem for placing an identification of an operating system associated with a customer controlled general purpose computer that is in turn associated with said image capture device in said log file.

23. The system of claim 17, further comprising a subsystem for placing an identification of an amount of said check in said log file.

24. The system of claim 17, further comprising a subsystem for placing said image of said check in said log file.