Patent ID: 7896235

Claim:
A method of using a mobile phone that includes a camera and memory storing account data and an electronic signature, in conducting a financial transaction involving a check, wherein the phone is usable by a phone user involved in the financial transaction, wherein the account data is usable to link a financial account to an amount associated with the check, wherein the electronic signature is representative of a signature of the phone user, wherein the using of the phone comprises: (a) operating the phone in acquiring an image of the check; (b) operating the phone in using a phone number to initiate the financial transaction; (c) operating the phone to wirelessly transmit at least the account data and the electronic signature from the phone toward a check transaction system during the financial transaction, responsive to the phone receiving input from the phone user; (d) operating the phone to wirelessly transmit the image from the phone toward the check transaction system during the financial transaction, responsive to the phone receiving input from the phone user; wherein steps (c) and (d) are operative to cause the check transaction system to carry out at least a part of the financial transaction using the account data, the electronic signature, and the image.