Patent ID: 7949587

Claim:
A processor-implemented method for receiving a check for deposit to a customer account, comprising: instantiating a server instant messaging application at a financial institution to listen for instant messages directed to a predetermined check-deposit messaging account associated with the server instant messaging application; receiving a request, at the server instant messaging application, from a depositor-owned device to begin a communication session via an instant messaging protocol with the predetermined check-deposit messaging account; establishing the communication session via the instant messaging protocol with the depositor-owned device; receiving, via the server messaging application in accordance with the instant messaging protocol, an image of a check directed to the predetermined check-deposit messaging account from the depositor-owned device over the communications session, wherein the image of the check is captured by the depositor-owned device; verifying the image of the check at the financial institution; and depositing the check to an account specified by indications from the depositor-owned device.