United Services Automobile Association (usaa)

Carol Ann Walls

Gabriel Glenn Gavia

Charles Lee Oakes, Iii

Randy Ray Morlen

Bharat Prasad

Reynaldo Medina, Iii

Jeffrey Neal Pollack

Frank Kyle Major

Larry Dwayne Taylor

R Bharat Nuggehalli

Techniques are provided for addressing possible fraud and mistake scenarios in a system for electronically receiving check images from customers and for automatically initiating a deposit of funds into a customer account. An electronic analysis of a check may be conducted to retrieve a check identifier that may be compared against a limited number of previously deposited checks, allowing for faster real-time comparisons. The deposit may be soft-post of regardless whether it is flagged as a potential duplicate, because subsequent more thorough analysis may uncover false positives. Also, transaction and account information can be analyzed to determine if there is a possibility of a check kiting operation.

Systems and methods for check representment prevention

Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting 'face recognition' of a received check image to verify it's authenticity and/or detecting MICR line indications that a check is no longer valid.

Systems and methods for verification of remotely deposited checks

Various systems, methods and computer-readable media with computer-executable instructions are disclosed for remotely depositing negotiable instruments with non-payee financial institutions, such payor financial institutions, any intermediate financial institutions (those between payor and payee financial institutions), or third party enterprises. For example a data set comprising any one of a data image, alpha-numeric data, and metadata can be submitted with a non-payee bank. This set of data may be associated with a negotiable instrument that an account holder may have received as a payee. After the negotiable instrument is transformed into the data set, this data set can be used to clear funds to the payee's account using only the electronically and remotely submitted data set.

Systems and methods for remote deposit of negotiable instruments with non-payee institutions

Various systems, methods and computer-readable media with computer-executable instructions are disclosed that display negotiable instruments derived from various sources. For example, a bank member can draft a check and have that check displayed at his banking institution. Additionally, this bank member can also display any other checks that the member has received. In fact, any check that is either credited or debited from the member's account can appear as a digital image for inspection by the member. Furthermore, any images of checks residing at other banking institutions can be synchronized with the member's institution to amount to a one-stop warehouse for digital images of negotiable instruments for inspection by the member, no matter from where these negotiable instruments may originate.

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San Antonio, TX, United States of America

Carol Ann Walls