Atomic deposit transaction
First Claim
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.
1 Assignment
1 Petition
Accused Products
Abstract
A user may generate a digital image of a negotiable instrument such as a check. The digital image may be transmitted to an institution in a digital image file for deposit of the check. After the user selects to submit the digital image file, the digital image file may be sent from a user computing device to the institution. The user computing device may be decoupled from the transaction once the submission of the digital image file for deposit of the check is made. The transaction is thereafter managed by the institution. Incomplete transactions are avoided by moving the transaction processing to the server side at the institution after the user submits the digital image file. This may be referred to as an atomic deposit transaction.
594 Citations
18 Claims
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1. An atomic deposit transaction method, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer-readable medium comprising computer-readable instructions for an atomic deposit transaction, said computer-readable instructions comprising instructions that:
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receive a request for instantiation of a remote deposit transaction from a user computing device of a user; receive 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; process the digital image file by the server of the financial institution to extract deposit information; proceed 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 deposit information from the user computing device after receiving the digital image file; and provide the user computing device with access via the website to information pertaining to the processing of the digital image file. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A system for atomic deposit transaction, comprising:
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a memory; a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to; receive a request for instantiation of a remote deposit transaction from a user computing device of a user; receive 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; process the digital image file at the server of the financial institution to extract deposit information; proceed 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 deposit information from the user computing device after receiving the digital image file; and provide the user computing device with access via the website to information pertaining to the processing of the digital image file. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification