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:
Jun. 03, 2025

Filed:

Sep. 27, 2022
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventor:

Penny Diane Jurss, Leander, TX (US);

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/10 (2012.01); G06Q 20/22 (2012.01); G06Q 20/32 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/108 (2013.01); G06Q 20/227 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01);
Abstract

Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number ('PAN') on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.


Find Patent Forward Citations

Jurss, Penny. (2025). Mobile services remote deposit capture (U.S. Patent No. 12321909). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12321909

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

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