Systems and methods for financial deposits by electronic message
First Claim
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.
1 Assignment
0 Petitions
Accused Products
Abstract
An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user'"'"'s bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.
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Citations
21 Claims
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1. A processor-implemented method for receiving a check for deposit to a customer account, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-readable medium comprising computer-readable instructions for receiving a check for deposit to a customer account, said computer-readable instruction executable by a processor to:
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instantiate 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; establish the communication session via the instant messaging protocol with the depositor-owned device; receive, 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;
verify the image of the check at the financial institution; and
deposit the check to an account specified by indications from the depositor-owned device. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system for receiving a check for deposit to a customer account, comprising:
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at least one system that instantiate 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; at least one system that receives 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; at least one system that establishes the communication session via the instant messaging protocol with the depositor-owned device; at least one system that receives, 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; at least one system that verifies the image of the check at the financial institution; and at least one system that deposits the check to an account specified by indications sent from the depositor-owned device. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification