System and Method for Remote Deposit System

Abstract

Described is a method and system for a remote deposit system. The method comprises receiving facsimile data corresponding to facsimile of a plurality of checks, constructing digitized images of the checks as a function of the facsimile data, gathering check data from each of the digitized images, and processing the check data according to a check processing procedure to settle transactions referenced by each of the checks.

1 . A method for remote deposit of a check, in which is used a system that comprises a front-end and a back-end, comprising:
 receiving at least one check into an apparatus followed by   receiving the check-containing apparatus into a fax machine located at the front-end;   at the back-end, receiving facsimile data corresponding to a facsimile of at least one of a plurality of checks;   generating digitized images of the checks as a function of the facsimile data;   obtaining check data from each of the digitized images; and   processing the check data according to a check processing procedure to settle transactions referenced by each of the checks.   
     
     
         2 . The method according to  claim 1 , wherein the digitized images include front and back images of the checks. 
     
     
         3 . The method according to  claim 2 , wherein the facsimile data includes at least one of (i) check order indicators, (ii) front and back indicators for the checks and (iii) a depositor indicator indicative of a depositor referenced by each of the checks. 
     
     
         4 . The method according to  claim 3 , wherein the generating step includes the following substeps:
 identifying image data corresponding to the front and back images as a function of the front and back indicators; and   combining corresponding front and back images of a same check to generate a full check image for each of the checks.   
     
     
         5 . The method according to  claim 1 , wherein the obtaining step includes the following substeps:
 executing an imaging processing technique on each of the checks to collect the check data.   
     
     
         6 . The method according to  claim 5 , wherein the image processing technique is at least one of optical character recognition, magnetic ink character recognition, courtesy amount recognition and legal amount recognition. 
     
     
         7 . The method according to  claim 1 , wherein the check data includes at least one of (i) a courtesy amount, (ii) a legal amount, (iii) a routing number, (iv) a payee account number, (v) a payor account number and (vi) a check number. 
     
     
         8 . The method according to  claim 1 , further comprising:
 storing at least one of the digitized images and the check data in a database.   
     
     
         9 . The method according to  claim 1 , further comprising:
 transmitting a return facsimile to a sender of the facsimile after the check data has been processed.   
     
     
         10 . The method according to  claim 1 , wherein the checks are at least one of personal checks, corporate checks, business checks, traveler's checks, money orders, Federal Reserve checks, government checks, third party checks, convenience checks, cashier checks, official checks, non-U.S. checks, gift checks and payment coupons. 
     
     
         11 . The method of  claim 1 , wherein in the step of receiving the check into the apparatus, the apparatus comprises:
 a transparent film having a plurality of non-overlapping pockets created therein, each of the pockets including at least one opening and being sized and shaped to receive a check therein; and   front and back indicators disposed on front and back faces of the film, respectively; and   unique pocket indicators disposed on the pockets.   
     
     
         12 . The method according to  claim 11 , wherein the film is one of approximately 8½×11 and approximately 8½×14. 
     
     
         13 . The method according to  claim 11 , further comprising:
 a depositor indicator disposed on the film, the depositor indicator indicative of an identity of a depositor of the check.   
     
     
         14 . The method according to  claim 11 , wherein the pocket indicators are sequential numbers. 
     
     
         15 - 20 . (canceled)