Distributed processing of a check image

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9721236
SERIAL NO

13570476

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions.

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Patent Owner(s)

Patent OwnerAddress
BANK OF AMERICAMAILCODE NC1-027-20-05 NC1-027-20-05 CHARLOTTE NC 28255

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bennett, Deborah N Conyers, US 11 105
Cantley, Kerry M Fort Mill, US 17 136
Gauvin, Timmy L Atlanta, US 17 141
Ronca, James G Decatur, US 31 1443
Sandoz, Eric S Concord, US 3 37
Williams, Geoffrey R Midlothian, US 20 247

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