Patent ID: 7974899
Filing Date: 2011-07-05
Classification: G06Q

Abstract:
1. An atomic deposit transaction method, comprising: instantiating a remote deposit transaction including providing user authenticating credentials to a server at an institution; generating a digital image file of a physical negotiable instrument via a general purpose imaging device, the general purpose imaging device coupled to a user owned computing device; providing the digital image file of the physical negotiable instrument to the server at the institution for processing via a communications connection between the user owned computing device and the institution for deposit of the physical negotiable instrument into a deposit account of the user; failing to provide any user-specified end-of-transaction information to the institution after providing the digital image file to the institution, the digital image file being processed by the server at the institution to deposit funds of the physical negotiable instrument into the deposit account of the user, without the server at the institution receiving any user-specified end-of-transaction information from the user owned computing device after receiving the digital image file; and receiving information at the user owned computing device pertaining to the processing of the digital image file and the depositing of funds of the physical negotiable instrument into the deposit account.