Patent ID: 7996314

Claim:
A method of depositing a physical negotiable instrument, comprising: creating a digital image file of the physical negotiable instrument by a computing device of a user communicatively coupled to a user's scanner, wherein the digital image file comprises a digital image of the physical negotiable instrument, wherein the physical negotiable instrument has a surface that comprises a modifiable ink that is sensitive to a stimulus, wherein the stimulus is a heat or light source of the scanner; sending a request from the computing device of the user to a computing device of a financial institution to deposit the physical negotiable instrument into an account of the user held by the financial institution, wherein the request comprises the digital image file of the negotiable instrument, wherein the user is remotely located from the financial institution; receiving at the computing device of the user from the computing device of the financial institution a communication to apply the stimulus to the physical negotiable instrument by the computing device of the user; and voiding the physical negotiable instrument by applying the stimulus to the modifiable ink on the surface of the negotiable instrument by the user's scanner communicatively coupled to the computing device of the user, wherein the computing device of the user is responsive to the communication and the stimulus.