×

System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image

  • US 9,946,998 B1
  • Filed: 04/30/2014
  • Issued: 04/17/2018
  • Est. Priority Date: 02/18/2000
  • Status: Expired due to Term
First Claim
Patent Images

1. A method, comprising:

  • receiving, by an automated electronic banking system, from a remote customer terminal, a log on request from a banking customer, the log on request comprising identification information associated with the banking customer, wherein the automated electronic banking system comprises at least one computer processor and the remote customer terminal comprises at least one computer processor, at least one digital camera configured to capture a digital image, and optical recognition software configured to convert machine printed characters to electronic text or an intelligent character recognition configured to convert handwritten characters to electronic text from a digital image of a financial instrument, wherein further the automated electronic banking system and the remote customer terminal are communicatively coupled over a computer based network, and wherein the remote customer terminal is a telephone capable of performing these functions;

    receiving, by the automated electronic banking system, a request, from the telephone, for depositing a value of a financial instrument;

    receiving, by the automated electronic banking system, transaction data associated with the financial instrument that has been entered into an interface on the telephone;

    receiving, electronically, by the automated electronic banking system, a digital image of the financial instrument that is transmitted from the telephone, wherein the digital image is taken, prior to transmission, using the at least one digital camera of the telephone;

    receiving, electronically, by the automated electronic banking system, an image data set for the financial instrument that is transmitted from the telephone, wherein the image data set is comprised of text converted from the digital image of the financial instrument; and

    depositing, by the automated electronic banking system, the value of the financial instrument into a bank account based the received transaction data.

View all claims
  • 1 Assignment
Timeline View
Assignment View
    ×
    ×