United Services Automobile Association (Usaa)

John Weatherman Brady

Bharat Prasad

Michael Frank Morris

Frank Kyle Major

Jeff Pollack

Clint James Reynolds

Ralph Paige Mawyer, Jr

Kairav Mahesh Shah

Christopher J Cox

An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.

Image processing

Implementations of the present disclosure include receiving transaction data for a transaction that is to be executed by a computer-implemented person-to-person (P2P) payment system, the transaction data including a unique account identifier uniquely identifying an account of a first user among a plurality of accounts of the first user, and an amount to be transferred to the account from a second user, processing the transaction data to execute the transaction, and transmitting notifications to each of the first user and the second user, the notifications providing information regarding the transaction.

Real-time account-to-account payment

Implementations of the present disclosure include receiving transaction data for a transaction that is to be executed between a first user and a second user by a computer-implemented P2P payment system, the transaction data including negotiable instrument data provided from a physical negotiable instrument that is provided by the second user and that is to be used in the transaction, the first user being a user of the P2P payment system, and the second user being a non-user of the P2P payment system, processing, the transaction data to execute the transaction, and transmitting a notification to at least one of the first user and the second user, the notification providing information regarding the transaction.

Split-the-bill feature in real-time account-to-account payments

Systems and methods for obtaining an image of a check to be deposited

Growing community of inventors

Boerne, TX, United States of America

John Weatherman Brady