Banking system controlled responsive to data bearing records
First Claim
1. A method comprising:
- (a) using a mobile phone to capture an image of a check having a financial value;
(b) using the phone to wirelessly transmit the image captured in step (a) to an automated check deposit transaction system; and
(c) responsive to step (b), operating the automated check deposit transaction system to cause a financial account associated with the phone user in step (b) to be credited with a cash value associated with the financial value.
4 Assignments
0 Petitions
Accused Products
Abstract
A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic signature. The camera can be used to capture an image of a paper check which has the phone user as the payee. The phone can wirelessly transmit the account number, the electronic signature, and the check image to a bank deposit system. The system can store the check image and the electronic signature in correlated relation in a deposit transaction record. The system can cause the phone user'"'"'s bank account to be credited a cash value corresponding to the check value. Confirmation of the check deposit can be transmitted to the user'"'"'s phone.
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Citations
40 Claims
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1. A method comprising:
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(a) using a mobile phone to capture an image of a check having a financial value; (b) using the phone to wirelessly transmit the image captured in step (a) to an automated check deposit transaction system; and (c) responsive to step (b), operating the automated check deposit transaction system to cause a financial account associated with the phone user in step (b) to be credited with a cash value associated with the financial value. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method comprising:
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(a) operating a mobile phone to capture a check image of a financial check payable to a customer having a customer account with a financial entity, wherein the phone includes memory and a camera, wherein the memory includes electronic signature data representative of a signature of the customer, wherein the check has a financial value; (b) operating the phone to initiate a check deposit transaction with a check deposit system associated with the customer account, wherein the check deposit system includes at least one computer; (c) operating the phone to wirelessly communicate the check image and the electronic signature data to the check deposit system during the check deposit transaction; (d) operating the at least one computer to cause the check deposit system to receive via wireless communication the check image and the electronic signature data communicated by the phone; and (e) subsequent to step (d), operating the at least one computer to cause the customer account to be credited with a cash value associated with the financial value. - View Dependent Claims (15, 16)
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17. Apparatus comprising:
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a check deposit system associated with a financial entity, wherein the check deposit system includes at least one computer, a mobile phone, wherein the phone is operative to capture a check image of a financial check having a check value payable to a customer having an account with the financial entity, wherein the phone includes memory, wherein the memory includes electronic signature data representative of a signature of the customer, wherein the phone is operative to initiate a wireless check deposit transaction with the check deposit system, wherein the phone is operative to wirelessly communicate the check image and the electronic signature data to the check deposit system during the check deposit transaction, wherein the check deposit system is operative to receive via wireless communication the check image and the electronic signature data communicated by the phone, wherein responsive to receiving the check image and the electronic signature data, the check deposit system is operative to cause the account to be credited with a cash value associated with the check value. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A method comprising:
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(a) operating a portable phone to capture an image of a paper check responsive to at least one input received by the phone from a phone user, wherein the check has a financial value, wherein the check has a payee section designating the phone user as the payee; (b) operating the phone to wirelessly transmit the image to a check depositing system operative to cause an imaged check to be financially deposited in a transaction; (c) operating the check depositing system to associate with the image, a deposit endorsement of the check by the phone user; and (d) operating the check depositing system to cause an account of the phone user to be credited a cash value associated with the financial value. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34)
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35. A method comprising:
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(a) operating at least one computer of a check deposit system to receive data corresponding to an image of a paper check captured through operation of a portable phone, wherein the check has a financial value, and to receive data sent from the portable phone corresponding to a financial account associated with a user of the portable phone; (b) operating the at least one computer of the check deposit system to cause the financial account to be credited an amount corresponding to the financial value. - View Dependent Claims (36, 37)
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38. Apparatus comprising:
a check deposit system, wherein the check deposit system includes at least one computer, wherein the at least one computer is operative to receive image data corresponding to an image of a paper check captured and sent through operation of a portable phone, wherein the paper check has an associated financial value, receive data corresponding to a financial account sent through operation of the portable phone, wherein the data corresponding to the financial account is received in association with the image data, and cause the financial account to be credited with an amount corresponding to the financial value. - View Dependent Claims (39, 40)
Specification