- 专利标题: Systems and methods to modify a negotiable instrument
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申请号: US11927814申请日: 2007-10-30
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公开(公告)号: US08046301B1公开(公告)日: 2011-10-25
- 发明人: Arthur Quentin Smith , John Chandler Hopkins, III , Reynaldo Medina, III , Bradly Jay Billman
- 申请人: Arthur Quentin Smith , John Chandler Hopkins, III , Reynaldo Medina, III , Bradly Jay Billman
- 申请人地址: US TX San Antonio
- 专利权人: United Services Automobile Association (USAA)
- 当前专利权人: United Services Automobile Association (USAA)
- 当前专利权人地址: US TX San Antonio
- 代理机构: Brinks Hofer Gilson & Lione
- 主分类号: G06Q40/00
- IPC分类号: G06Q40/00
摘要:
When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
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