U.S. Bancorp, National Association

Anuradha Somani

Michael P Hunter

Souvik Sarkar

The disclosure describes an apparatus having programmed instructions that when executed cause the apparatus to receive, via a communication network, a paper check image and payer information captured by an application at a device associated with a checking account holder; build an image file using the received paper check image and payer information; send the built image file to a payee financial institution server using the received payer information; and transmit payment confirmation to the device associated with the checking account holder.

Growing community of inventors

Princeton, NJ, United States of America

Anuradha Somani