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Systems and methods for financial deposits by electronic message

  • US 7,949,587 B1
  • Filed: 10/24/2008
  • Issued: 05/24/2011
  • Est. Priority Date: 10/24/2008
  • Status: Active Grant
First Claim
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1. A processor-implemented method for receiving a check for deposit to a customer account, comprising:

  • instantiating a server instant messaging application at a financial institution to listen for instant messages directed to a predetermined check-deposit messaging account associated with the server instant messaging application;

    receiving a request, at the server instant messaging application, from a depositor-owned device to begin a communication session via an instant messaging protocol with the predetermined check-deposit messaging account;

    establishing the communication session via the instant messaging protocol with the depositor-owned device;

    receiving, via the server messaging application in accordance with the instant messaging protocol, an image of a check directed to the predetermined check-deposit messaging account from the depositor-owned device over the communications session,wherein the image of the check is captured by the depositor-owned device;

    verifying the image of the check at the financial institution; and

    depositing the check to an account specified by indications from the depositor-owned device.

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