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.

Date of Patent:
Feb. 15, 2022

Filed:

Dec. 02, 2019
Applicant:

U.s. Bancorp, National Association, Minneapolis, MN (US);

Inventors:

Michael P. Hunter, Rosemount, MN (US);

Souvik Sarkar, Monroe Township, NJ (US);

Anuradha Somani, Princeton, NJ (US);

Assignee:

U. S. Bancorp, National Association, Minneapolis, MN (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/10 (2012.01); G06Q 40/02 (2012.01); G06Q 20/32 (2012.01); G06Q 20/04 (2012.01); G06Q 20/02 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/10 (2013.01); G06Q 20/02 (2013.01); G06Q 20/0425 (2013.01); G06Q 20/32 (2013.01); G06Q 20/40 (2013.01); G06Q 40/02 (2013.01);
Abstract

The disclosure describes an apparatus having programmed instructions that when executed cause the apparatus to receive, via a communication network, a paper check image and payer information captured by an application at a device associated with a checking account holder; build an image file using the received paper check image and payer information; send the built image file to a payee financial institution server using the received payer information; and transmit payment confirmation to the device associated with the checking account holder.


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