Patent ID: 8639016

Claim:
A method for verifying a likelihood of validity of a negotiable check on a mobile communication device, the method comprising: capturing, by a mobile communication device, an image of a negotiable check; determining, by a computing device processor, a likelihood of validity of the negotiable check by (1) communicating, from the mobile communication device via a wireless network, at least one of the image or data on the image to one or more check verification services and (2) receiving, at the mobile communication device, validity-related information from one or more of the check verification services, wherein the validity-related information is based on comparing data on the check to at least one fraud database; determining, by a computing device processor, account sufficiency of an amount of the negotiable check by (1) communicating, from the mobile communication device via a wireless network, at least one of the image or data on the image to a financial institution associated with the negotiable check and (2) receiving, at the mobile communication device, account sufficiency information from the financial institution, wherein the account sufficiency information is based on comparing the amount of the negotiable check to a current payment account balance; providing, by the mobile communication device, an indication to a user of a state of the likelihood of validity of the negotiable check based on the validity-related information and the account sufficiency information, wherein the state is one of (1) likely to be valid, (2) likely to be invalid, or (3) insufficient validity-related information exists to determine the likelihood of validity.