United Services Automobile Association (usaa)

Aaron Robert Kay

Seth E Ethington

Lawrence Z Lu

Dylan Patterson

Adam Spencer Newman

Adam S Newman

The AUTOMATIC REMOTE DEPOSIT IMAGE PREPARATION APPARATUSES, METHODS AND SYSTEMS (hereinafter 'MultiCrop') transforms uploaded check images and check deposit information inputs via MultiCrop components image into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the MultiCrop may capture images of the check and send them to a financial institution for deposit processing.

Automatic remote deposit image preparation apparatuses, methods and systems

A video of a negotiable instrument may be provided from a user to a financial institution so that an image of the negotiable instrument may be obtained from the video and deposited in a user's bank account. In an implementation, a user may use a device such as a video camera, a web camera, or a video-enabled phone to convert an endorsed check into a video data file by making a video of the check and storing the video in a video data file. The user may send the video data file to the financial institution, where it may be processed and deposited in an account associated with the user. Any technique for sending a video data file to the financial institution may be used.

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San Antonio, TX, United States of America

Aaron Robert Kay