Atomic deposit transaction

  • US 7,885,880 B1
  • Filed: 09/30/2008
  • Issued: 02/08/2011
  • Est. Priority Date: 09/30/2008
  • Status: Active Grant
First Claim
Patent Images

1. An atomic deposit transaction method, comprising:

  • receiving a request for instantiation of a remote deposit transaction from a user computing device of a user;

    receiving a digital image file of a negotiable instrument at a server of a financial institution from the user computing device of the user via a website associated with the financial institution for deposit of the negotiable instrument into an account of the user, wherein the user computing device is communicatively coupled to an image capture component, wherein the image capture component generates the digital image file of the negotiable instrument by capturing an image of a physical negotiable instrument;

    processing the digital image file by the server of the financial institution to extract deposit information;

    proceeding with the remote deposit transaction including depositing funds of the negotiable instrument into the account of the user based on the extracted deposit information without receiving any user-specified deposit information from the user computing device after receiving the digital image file; and

    providing the user computing device with access via the website to information pertaining to the processing of the digital image file.

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