United Services Automobile Association (Usaa)

Larry Dwayne Taylor

Bharat Prasad

Charles Lee Oakes, Iii

Randy Ray Morlen

Jeffrey Neal Pollack

Frank Kyle Major

Gabriel Glenn Gavia

Carol Ann Walls

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

Growing community of inventors

San Antonio, TX, United States of America

Larry Dwayne Taylor