Raj M Bharadwaj

Title: Innovations by Raj M Bharadwaj

Introduction

Raj M Bharadwaj is an accomplished inventor based in Plymouth, MN, known for his significant contributions to the field of mobile banking technology. With a total of four patents to his name, Bharadwaj has made a notable impact in the industry, particularly through his work at U.S. Bank National Association.

Latest Patents

One of Bharadwaj's latest patents focuses on mobile check deposit. The patent describes methods and systems for remote check deposit, allowing a check for deposit to be processed without the need for a server to initially receive any image of the check. Instead, optical character recognition (OCR) data is sent to the server from a mobile device. The verification processing for the check is then performed using this OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. After sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is subsequently processed for deposit using the received check image.

Career Highlights

Bharadwaj's career at U.S. Bank National Association has been marked by his innovative approach to banking technology. His work has streamlined processes and improved user experience in mobile banking, making financial transactions more accessible and efficient for customers.

Collaborations

Some of his notable coworkers include Marlen L Foster and Connie K Yung, who have collaborated with him on various projects within the bank.

Conclusion

Raj M Bharadwaj's contributions to mobile banking technology through his patents have significantly advanced the industry. His innovative solutions continue to shape the future of financial transactions.