Patent ID: 8328091

Claim:
A method comprising: (a) operating at least one computer of a check deposit system to receive data transmitted from a mobile phone having an address, wherein the data includes check image data that corresponds to an image of a financial check having a financial value, wherein the check deposit system includes at least one data store, wherein the at least one data store includes a plurality of phone addresses, wherein each respective phone address is correlated in the at least one data store with a respective financial account, wherein each respective financial account is associated in the at least one data store with a respective endorsing manner in which a check is to be endorsed for deposit by the check deposit system on behalf of a holder of the respective financial account; (b) operating the at least one computer to determine from use of the data received in (a), the phone address of the mobile phone; (c) operating the at least one computer to determine from use of the at least one data store, the financial account correlated with the phone address determined in (b); (d) operating the at least one computer to determine from use of the at least one data store, the endorsing manner associated with the financial account determined in (c); (e) operating the at least one computer to endorse the check according to the endorsing manner determined in (d), wherein the endorsing includes associating endorsement data with the check image data received in (a); and (f) operating the at least one computer to cause the financial account determined in (c) to be credited an amount corresponding to the financial value.