Systems and methods for remote deposit of checks

  • US 10,769,598 B1
  • Filed: 09/19/2017
  • Issued: 09/08/2020
  • Est. Priority Date: 10/31/2006
  • Status: Active Grant
First Claim
Patent Images

1. A method of facilitating remotely depositing funds into a user'"'"'s account with a bank'"'"'s computing system and without using an Automatic Teller Machine (ATM), comprising:

  • providing a remote deposit application for download to a customer device, wherein the remote deposit application comprises computer-executable instructions that, when executed by a processor, provide a user-interface and control a camera associated with the customer device to facilitate capturing at least one electronic image of a check;

    receiving at the bank'"'"'s computing system, via the user-interface on the customer device;

    authentication data, an electronic identification of an account for receipt of a value associated with the check, an electronic indication of the value associated with the check, and the at least one electronic image of the check;

    determining whether the check was previously deposited using the at least one electronic image of the check; and

    initiating and/or logging a first deposit of the value to the account via the bank'"'"'s computing system unless the bank'"'"'s computing system determines from the at least one electronic image of the check that the check was previously deposited.

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