Systems and methods to use a digital camera to remotely deposit a negotiable instrument

US8290237B1 · kind B1 · utility

Assignee

• United Services Automobile Association (USAA) · US

Inventors

• Rickey Dale Burks · Boerne, US
• Charles Lee Oakes, III · Boerne, US
• Randy Ray Morlen · San Antonio, US
• Bharat Prasad · San Antonio, US
• Michael Frank Morris · San Antonio, US
• Xia Hua · 安丰镇, CN

Key dates

• Filing date: Oct 31, 2007
• Grant date: Oct 16, 2012
• Expiry date: Sep 26, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/3276
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.