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    Systems and methods for financial deposits by electronic message
    3.
    发明授权
    Systems and methods for financial deposits by electronic message 有权
    通过电子信息进行金融存款的系统和方法

    公开(公告)号：US07949587B1

    公开(公告)日：2011-05-24

    申请号：US12257482

    申请日：2008-10-24

    申请人： Michael Frank Morris ,  Bharat Prasad ,  Reynaldo Medina, III

    发明人： Michael Frank Morris ,  Bharat Prasad ,  Reynaldo Medina, III

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/06 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q40/00

    摘要： An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.

    摘要翻译： 流通票据的图像可以使用消息应用从用户传达到金融机构，使得与可转让票据相关联的资金可以存入用户的银行账户。 用户可以启动即时消息应用并与金融机构的预定帐户建立通信会话以传送图像。 图像可以存储在文件中，或者由即时消息应用控制下的捕获设备创建。 图像文件可以由金融机构处理和验证，其可以存储在与用户相关联的帐户中。

    Systems and methods to use a digital camera to remotely deposit a negotiable instrument
    6.
    发明授权
    Systems and methods to use a digital camera to remotely deposit a negotiable instrument 有权
    使用数码相机远程存放可转让票据的系统和方法

    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。

    Systems and methods for mobile deposit of negotiable instruments
    8.
    发明授权
    Systems and methods for mobile deposit of negotiable instruments 有权

    公开(公告)号：US10380562B1

    公开(公告)日：2019-08-13

    申请号：US12195723

    申请日：2008-08-21

    申请人： Bharat Prasad ,  Michael Frank Morris

    发明人： Bharat Prasad ,  Michael Frank Morris

    IPC分类号： G06Q20/20 ,  G06Q40/02 ,  G06Q20/10

    摘要： An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.