The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 13, 2019
Filed:
Dec. 09, 2015
United Services Automobile Association (Usaa), San Antonio, TX (US);
Charles Lee Oakes, III, San Antonio, TX (US);
Randy Ray Morlen, San Antonio, TX (US);
Gabriel Glenn Gavia, San Antonio, TX (US);
R. Bharat Prasad Nuggehalli, San Antonio, TX (US);
Frank Kyle Major, San Antonio, TX (US);
Jeffrey Neal Pollack, San Antonio, TX (US);
Carol Ann Walls, San Antonio, TX (US);
Larry Dwayne Taylor, San Antonio, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
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.