US 12,229,737 B2
Systems and methods for mobile deposit of negotiable instruments
Bharat Prasad, San Antonio, TX (US); and Michael Frank Morris, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Nov. 15, 2022, as Appl. No. 17/987,288.
Application 17/987,288 is a continuation of application No. 17/702,975, filed on Mar. 24, 2022, granted, now 11,531,973.
Application 17/702,975 is a continuation of application No. 17/568,849, filed on Jan. 5, 2022, granted, now 11,783,306.
Application 17/568,849 is a continuation of application No. 17/069,219, filed on Oct. 13, 2020, granted, now 11,250,398, issued on Feb. 15, 2022.
Application 17/069,219 is a continuation of application No. 16/376,166, filed on Apr. 5, 2019, granted, now 10,839,358, issued on Nov. 17, 2020.
Application 16/376,166 is a continuation of application No. 12/195,723, filed on Aug. 21, 2008, granted, now 10,380,562, issued on Aug. 13, 2019.
Claims priority of provisional application 61/026,977, filed on Feb. 7, 2008.
Prior Publication US 2023/0222460 A1, Jul. 13, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 40/03 (2023.01)
CPC G06Q 20/10 (2013.01) [G06Q 20/204 (2013.01); G06Q 40/03 (2023.01)] 20 Claims
OG exemplary drawing
 
1. A processor-implemented method of depositing a negotiable instrument comprising:
with a processor of a mobile device comprising an imaging device, the processor:
sending, to an external server, authentication information of a user of the mobile device to authenticate the user to a server of a financial institution;
receiving instructions from the external server, after sending the authentication information, that enable execution of a remote deposit processing component on the mobile device;
sending, from the remote deposit component, to the external server, confirmation that the user wishes to proceed with depositing the negotiable instrument;
sending, from the remote deposit component, to the external server, an image file comprising the negotiable instrument, wherein the image file comprises an image of the negotiable instrument generated by the imaging device of the mobile device; and
receiving confirmation that funds of the negotiable instrument have been deposited into an account pertaining to the negotiable instrument.