公开(公告)号：US08290237B1

公开(公告)日：2012-10-16

申请号：US11931670

申请日：2007-10-31

申请人： Rickey Dale Burks ,  Charles Lee Oakes, III ,  Randy Ray Morlen ,  Bharat Prasad ,  Michael Frank Morris ,  Xia Hua

发明人： Rickey Dale Burks ,  Charles Lee Oakes, III ,  Randy Ray Morlen ,  Bharat Prasad ,  Michael Frank Morris ,  Xia Hua

IPC分类号： G06K9/00

CPC分类号： G06Q20/042 ,  G06Q20/3276

摘要： 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.

公开(公告)号：US08320657B1

公开(公告)日：2012-11-27

申请号：US11931804

申请日：2007-10-31

申请人： Rickey Dale Burks ,  Charles Lee Oakes, III ,  Randy Ray Morlen ,  Bharat Prasad ,  Michael Frank Morris ,  Xia Hua

发明人： Rickey Dale Burks ,  Charles Lee Oakes, III ,  Randy Ray Morlen ,  Bharat Prasad ,  Michael Frank Morris ,  Xia Hua

IPC分类号： G06K9/00

CPC分类号： G06K9/3275 ,  G06Q20/042 ,  G06Q20/3276

摘要： 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.

摘要翻译： 为了以电子方式存入可转让票据，可以使用数字图像。 本文描述了促进使用数字照相机来提供数字图像的系统和方法。 用户可以捕获可协商仪器的图像以创建数字图像。 数字图像可以被压缩并保存为数字图像文件。 然后，用户可以将数字图像文件发送到诸如银行的金融机构，将从可转让票据的账户中提取的资金存入用户账户。 金融机构可以从帐户持有者接收由数码相机创建的数字图像文件，并使用数字图像文件处理存款请求。