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. 01, 2017
Filed:
Aug. 09, 2012
Timmy L. Gauvin, Atlanta, GA (US);
Kerry M. Cantley, Fort Mill, SC (US);
Deborah N. Bennett, Conyers, GA (US);
Eric S. Sandoz, Concord, CA (US);
Geoffrey R. Williams, Midlothian, TX (US);
James G. Ronca, Decatur, GA (US);
Timmy L. Gauvin, Atlanta, GA (US);
Kerry M. Cantley, Fort Mill, SC (US);
Deborah N. Bennett, Conyers, GA (US);
Eric S. Sandoz, Concord, CA (US);
Geoffrey R. Williams, Midlothian, TX (US);
James G. Ronca, Decatur, GA (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions.