21
Michael Frank Morris, Bharat Prasad, Reynaldo Medina III: Systems and methods for financial deposits by electronic message. United States Automobile Association, Chadbourne & Parke, Walter G Hanchuk, May 24, 2011: US07949587 (41 worldwide citation)

An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communi ...


22
Arthur Quentin Smith, John Chandler Hopkins III, Reynaldo Medina III, Bradly Jay Billman: Systems and methods to modify a negotiable instrument. United Services Automobile Association, Chadbourne & Parke, Walter G Hanchuk, August 9, 2011: US07996316 (40 worldwide citation)

When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digit ...


23
Jay S Walker, Bruce Schneier, James Jorasch: Method and apparatus for a commercial network system designed to facilitate buyer-driven conditional purchase offers. Priceline com Incorporated, Walter G Hanchuk, Chadbourne & Parke, December 30, 2008: US07472074 (40 worldwide citation)

The present invention is a method and apparatus for effectuating bilateral buyer-driven commerce. The present invention allows prospective buyers of goods and services to communicate a binding purchase offer globally to potential sellers, for sellers conveniently to search for relevant buyer purchas ...


24
Arthur Quentin Smith, John Chandler Hopkins III, Reynaldo Medina III, Bradly Jay Billman: Systems and methods to modify a negotiable instrument. United Services Automobile Association, Chadbourne & Parke, Walter G Hanchuk, August 16, 2011: US08001051 (39 worldwide citation)

When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digit ...


25
Arthur Quentin Smith, John Chandler Hopkins III, Reynaldo Medina III, Bradly Jay Billman: Systems and methods to modify a negotiable instrument. United Services Automobile Association, Chadbourne & Parke, Walter G Hanchuk, August 9, 2011: US07996314 (38 worldwide citation)

When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digit ...


26
Arthur Quentin Smith, John Chandler Hopkins III, Reynaldo Medina III, Bradly Jay Billman: Systems and methods to modify a negotiable instrument. United Services Automobile Association, Chadbourne & Parke, Walter G Hanchuk, August 9, 2011: US07996315 (38 worldwide citation)

When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digit ...


27
Aaron Robert Kay: Video financial deposit. United Services Automobile Association, Chadbourne & Parke, Walter G Hanchuk, December 21, 2010: US07856402 (38 worldwide citation)

A video of a negotiable instrument may be provided from a user to a financial institution so that an image of the negotiable instrument may be obtained from the video and deposited in a user's bank account. In an implementation, a user may use a device such as a video camera, a web camera, or a vide ...


28
Aaron Robert Kay: Video financial deposit. United Services Automobile Association, Chadbourne & Parke, Walter G Hanchuk, September 7, 2010: US07792752 (38 worldwide citation)

A video of a negotiable instrument may be provided from a user to a financial institution so that an image of the negotiable instrument may be obtained from the video and deposited in a user's bank account. In an implementation, a user may use a device such as a video camera, a web camera, or a vide ...


29
Michael Patrick Bueche Jr: Systems and methods of check re-presentment deterrent. United Services Automobile Association, Chadbourne & Parke, Walter G Hanchuk, April 13, 2010: US07698222 (38 worldwide citation)

A user or a device may separate a check into two or more portions prior to generating a digital image of the check for remote deposit of the check. The user or a device may separate the check by cutting or tearing the check. After separating the check into the portions, the user may generate a digit ...


30
Michael Patrick Bueche Jr: Systems and methods of check re-presentment deterrent. United Services Automobile Association, Chadbourne & Parke, Walter G Hanchuk, November 17, 2009: US07620604 (38 worldwide citation)

A user or a device may separate a check into two or more portions prior to generating a digital image of the check for remote deposit of the check. The user or a device may separate the check by cutting or tearing the check. After separating the check into the portions, the user may generate a digit ...