Mobile device and application for remote deposit of check images received from payors
First Claim
Patent Images
1. A mobile device comprising:
- a processor;
a smartcard secure element;
a memory; and
a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including instructions for;
prompting a user to select between either taking a picture of a check for remote deposit or receiving a remote deposit capture (RDC) compatible check image;
in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using the smartcard secure element and receiving the RDC compatible check image from the check control server only after authenticating;
displaying a notification;
responding to a user'"'"'s interaction with the notification to display indicia of the RDC compatible check image other than the RDC compatible check image itself; and
forwarding the RDC compatible check image to a financial institution for deposit.
4 Assignments
0 Petitions
Accused Products
Abstract
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
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Citations
12 Claims
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1. A mobile device comprising:
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a processor; a smartcard secure element; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including instructions for; prompting a user to select between either taking a picture of a check for remote deposit or receiving a remote deposit capture (RDC) compatible check image; in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using the smartcard secure element and receiving the RDC compatible check image from the check control server only after authenticating; displaying a notification; responding to a user'"'"'s interaction with the notification to display indicia of the RDC compatible check image other than the RDC compatible check image itself; and forwarding the RDC compatible check image to a financial institution for deposit. - View Dependent Claims (2, 3, 4)
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5. A mobile device implemented method comprising:
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prompting a user to select between either taking a picture of a check for remote deposit or loading a remote deposit capture (RDC) compatible check image for remote deposit; in response to the user selecting to load an RDC compatible check image, authenticating the user to a check control server using a smartcard secure element within the mobile device and receiving the RDC compatible check image from the check control server only after authenticating; loading the RDC compatible check image; prompting the user to electronically endorse the RDC compatible check image; and forwarding the RDC compatible check image to a financial institution for deposit. - View Dependent Claims (6, 7, 8, 9)
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10. A non-transitory computer readable storage medium storing one or more programs comprising instructions, which when executed by a mobile device, cause the mobile device to perform:
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prompting a user to select between either taking a picture of a check for remote deposit or receiving an RDC compatible check image from a payor; in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using a smartcard secure element within the mobile device and receiving the RDC compatible check image from the check control server only after authenticating; electronically endorsing the RDC compatible check image; and forwarding the RDC compatible check image to a financial institution for deposit. - View Dependent Claims (11, 12)
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Specification