07974899 is referenced by 92 patents and cites 412 patents.

A user may generate a digital image of a negotiable instrument such as a check. The digital image may be transmitted to an institution in a digital image file for deposit of the check. After the user selects to submit the digital image file, the digital image file may be sent from a user computing device to the institution. The user computing device may be decoupled from the transaction once the submission of the digital image file for deposit of the check is made. The transaction is thereafter managed by the institution. Incomplete transactions are avoided by moving the transaction processing to the server side at the institution after the user submits the digital image file. This may be referred to as an atomic deposit transaction.

Title
Atomic deposit transaction
Application Number
12/242107
Publication Number
7974899 (B1)
Application Date
September 30, 2008
Publication Date
July 5, 2011
Inventor
Jeffrey N Pollack
San Antonio
TX, US
Bharat Prasad
San Antonio
TX, US
Agent
Walter G Hanchuk
Chadbourne & Parke
Assignee
United Services Automobile Association
TX, US
IPC
G06Q 40/00
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