Patent ID: 8296230

Claim:
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: (A) is a conventional fax machine and type of non- check scanner, (B) is connected to a telephone network, and (C) is included in the front-end of the system, wherein the front-end of the system is implemented at the depositor; 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 A) comprises data corresponding to the indicia on the transparent carrier that uniquely identifies the depositor; and B) includes at least one of (i) check order indicators, (ii) front and back indicators for the checks and (iii) the depositor indicator indicative of a depositor referenced by each of the checks; 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: sorting based on reading format of an MICR line of the check; and/or sorting based on reading special characters that surround a routing number and a check number of the check; 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.