Patent ID: 8296230
Filing Date: 2012-10-23
Classification: G06Q

Abstract:
1. A remote deposit method in which is used a system that comprises a front-end and a back-end, comprising the steps of: providing a transparent carrier that comprises pockets sized large enough to receive either a personal check or a business check; receiving, by the transparent carrier, a check that is physically inserted into a first pocket of the transparent carrier, wherein the check is a consumer check or a non-consumer check; receiving on the transparent carrier indicia that uniquely identifies a depositor of the check; receiving, into the fax machine into which the transparent carrier is fed, the transparent carrier comprising the inserted check, wherein the fax machine: followed by, at the back-end where a host system is implemented, receiving facsimile data that arrives via the telephone network and that corresponds to a facsimile of the check and a facsimile of the transparent carrier, wherein the facsimile data based on the facsimile data, generating digitized images of the check wherein the digitized images include front and back images of the check; obtaining check data from each of the digitized images; sorting the check into one of a consumer check category and a non-consumer check category by processing information in an electronic record associated with the check wherein the sorting comprises: processing the check data according to a check processing procedure to settle transactions referenced by the check; wherein the generating, obtaining, sorting, processing and comparing steps are performed by a computing device at the back-end.