U.S. patent application number 10/918898 was filed with the patent office on 2005-05-05 for wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system.
Invention is credited to Singfield, Joy Shantia.
Application Number | 20050097046 10/918898 |
Document ID | / |
Family ID | 34557373 |
Filed Date | 2005-05-05 |
United States Patent
Application |
20050097046 |
Kind Code |
A1 |
Singfield, Joy Shantia |
May 5, 2005 |
Wireless electronic check deposit scanning and cashing machine with
web-based online account cash management computer application
system
Abstract
Wireless Electronic Check Deposit Scanning and Cashing Machine
(also known and referred to as WEDS) Web-based Online account cash
Management computer application System (also known and referred to
as OMS virtual/live teller)--collectively invented integrated as
"WEDS.OMS" System. Method and Apparatus for Depositing and Cashing
Ordinary paper and/or substitute checks and money orders online
Wirelessly from home/office computer, laptop, Internet enabled
mobile phone, pda (personal digital assistant) and/or any Internet
enabled device. WEDS enables verification and transmittal of image,
OMS is the navigation tool used to set commands and process
requests, integrated with WEDS, working collectively as WEDS.OMS
System.
Inventors: |
Singfield, Joy Shantia;
(Uniondale, NY) |
Correspondence
Address: |
JOY S. SINGFIELD
294 LACLEDE AVENUE
UNIONDALE
NY
11553
US
|
Family ID: |
34557373 |
Appl. No.: |
10/918898 |
Filed: |
August 16, 2004 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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60532416 |
Dec 23, 2003 |
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60515912 |
Oct 30, 2003 |
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Current U.S.
Class: |
705/42 ; 705/43;
705/44 |
Current CPC
Class: |
G07F 19/202 20130101;
G06Q 20/40 20130101; G06K 9/00288 20130101; G06Q 20/042 20130101;
G06K 9/00442 20130101; G06K 9/00335 20130101; G07F 19/20 20130101;
G06Q 20/108 20130101; G06Q 20/1085 20130101 |
Class at
Publication: |
705/042 ;
705/043; 705/044 |
International
Class: |
G06F 017/60 |
Claims
Having thus described my invention, what I claim as new and desire
to secure by Letters Patent as follows:
1. A method for conducting an online check and/or money order
cashing and deposit transaction using a Wireless Electronic Check
Deposit Scanning and Cashing Machine (also known and referred to as
WEDS); And web-based Online account cash Management computer
application System (also known and referred to as OMS virtual/live
teller) collectively invented and operated as "WEDS.OMS"; Method
and Apparatus for Depositing and Cashing Ordinary paper and/or
substitute checks and money orders online Wirelessly from home
computer (pc and/or mac compatible), office computer, laptop,
Internet enabled mobile phone, Internet enabled mobile device,
Internet enabled pda (personal digital assistant) and/or any
Internet enabled device; Wireless Electronic Check Deposit Scanning
and Cashing Machine (wireless data transmission) with web-based
cash management computer application System Controlling (wireless
navigating) permits wireless transmission of data (endorsed check
image and/or money order image) through WEDS and wireless
navigation and control of that data through the OMS wireless
computer network (where it is transmitted to) and web-based
computer controlled application system (where it is controlled and
linked to) so the OMS acts a 24 hour, 7 day a week virtual teller
that receives, verifies and processes requests to expedite deposit
transactions and cash checks and money orders for immediate funds
availability in an Online, Wireless Environment; WEDS functionality
of the invention allows the wireless data transmission from the
device to be transmitted and delivered to the (wireless) computer
network, which is where processing begins through the OMS, the
online account navigation system, comprising of the steps of: A
unique, secure Wireless Electronic Check Deposit Scanning and
Cashing Machine (also known and referred to as WEDS); And web-based
Online account cash Management computer application System (also
known and referred to as OMS virtual/live teller) is used to
wirelessly Scan, Verify, Capture and (wirelessly) Transmit the
image of an (front and back) endorsed check (and/or money order)
image to deliver to a wireless computer network (using WEDS), that
is linked and delivered to a web-based computer application
software controller system program for processing (which is the
OMS)--which acts as virtual teller (verify and process request for
online check deposit, clearing/moving check owner's funds into
user/depositor checking account for check dollar amount; performing
the action of an electronic funds transfer, also known as an
ETF--wired into user's/depositor's account), linked and delivered
to a secure site where user/depositor's account receives, controls,
and confirms the transaction request (through the OMS), by
confirming endorsed check image data for online check deposit(s)
and setting online user preferences and input typing verification
of check data delivered to the online account management system
(OMS) before request to deposit (i.e. routing number, check account
number, check number, date on check, financial institution, along
with user/depositor's name, and transaction data) request has been
submitted for online check and/or money deposit (or check/money
order cashing)--includes scanning and depositing (front and back)
an endorsed check image (and/or money order) online through
Wireless Transmission (WEDS), onto a wireless network, that links
to an OMS (using WEDS), where the user can log in, set preferences,
and begin OMS processing (Infrared beam, on device to allow stored
images from device to be beamed onto printer or wireless, Bluetooth
802.11 enabled device, with Intel inside); processing wireless
check cashing capability where user scans front and back of the
endorsed check, and/or substitute check (or money order) and
wirelessly delivers to OMS using WEDS; after logging on, user must
use his or her web cam (web camera) which identifies and records
user's actions and request for check and/or money order cashing
(also can be used for check deposit requests) by capturing and
storing the face image, live image of the user, to verify that face
feature imprint is identical to picture of customer/user taken at
the bank, and recorded for fraud protection as a picture and data
transaction file, in addition to system recording user's ISP
(internet service provider) address (in addition to LAN--local area
network for computer network communication processing area) to
locate (an approximation of) where user was at time of request, and
what device user was using (i.e. Internet connection from dial up,
or cable modem desktop, dial up service provider on cell phone/pda,
etc.), and user id (identification) used to log in to process and
request transaction through OMS account access, which is navigated
on a secure website, and user is (optional) pre-fingerprinted at
bank before use of check cashing option (substitute check is valid
through Check 21 Century Act, effective, October 2004); OMS
recognizes live web cam connection, and captures image of user to
record proof of user transaction for security; System can detect
whether the live cam is activated, and whether or not a live
individual is present at time of transaction in order to allow user
to submit request--during processing of request, system captures
image (picture) of user requesting to cash check and/of money order
and verifies validity of the picture (ie. That is was a moving
image, before capture of image, and that image is shape and color
texture/cells, and skin scales that comprise human flesh) before
request can be complete, which occurs before or after validity of
the document/image (check and/or money order) being requested for
immediate cashing (funds transfer--monies availability).
2. The claim of method 1, further comprising of a power button, 1
to 3 USB ports and 1 to 3 firewire ports, 1 to 3 serial cables (for
computer connection when wireless option is not in use), status
button (which reports the status of the image--successful or
unsuccessful), multi bank identifier options A,B,C (to link to
specified banking accounts), switch indicator (allows user to
determine which designated banking account area to send transmittal
to--for example switch A for user's first banking account, switch B
for user's second bank account, switch C for user's third bank
account), attachable, extendable holder that feeds checks into
device, and/or holds checks after they have been fed into device,
interchangeable for connection on either side of device, window
that opens (for multiple check and/or money order transmittal
processing, attachment clip that holds and connects extendable
holder to device, magnetic strip and swipe reader that reads data
on the check to verify that image being transmitted is a check,
before being delivered for OMS processing, virtual memory that acts
as automatic backup for user (virtual memory time frame can range
from 30 minutes, 24-48 hours, 72 hours, etc), void check button
that activates check voiding feature after it has been scanned and
wirelessly delivered using WEDS onto OMS, print image option (which
can be connected to computer to print image offline, and/or
connected to a printer for direct image printing, and/or beamed to
a printer for image printing (through infrared beam on device),
unique fax number with fax system built into WEDS computer network
so all images faxed to unique fax number (that identifies and links
each individual user to their OMS account, and to user banking
account) are directly sent to computer network, and linked to the
OMS, so user can log on to OMS account system to navigate, submit
request, and have request processed by the OMS virtual teller
processing system, cutters/blades (that lay flat and raise once
command is initiated), switch that initiates blade feature,
rechargeable battery, battery recharger, power chord (for backup
should internal rechargeable battery become low), button for ink
imprint feature, option for installed ink imprints (to imprint on
checks for added voided upon successful scan), antenna for wireless
frequency to accept and deliver data, unit comprised of durable
plastics to produce the device; pre-installed connectivity ports
(such as USB, firewire, serial cable), antenna, power button,
backup battery, rechargeable battery, carrying case (for travel),
refillable ink and blade slots (optional), send button,
preinstalled Wi-Fi/Bluetooth chip to enable wireless capabilities
(to allow device not only connectivity to the wireless computer
network, but enablement to scan the endorsed check image wirelessly
without the need for a connectivity port or cable); a slot that
allows users to save important data to a data card, infrared beam
option--which allows user to beam data to a infrared capable
device; device foldable to be folded to increase travel, compact
necessities; extendable antenna which increases the level of
frequency for signal connectivity; an internal memory chip (in
addition to flash memory feature and virtual memory that is
preinstalled in device) inside device that temporarily saves the
scanned image (for 30-45 minutes or more--which gives user enough
time to troubleshoot or resend the scan through the system using
the device) internally onto the device, should a shut down or check
voiding procedure malfunction (ie. check scanning on the device but
no delivery to the online system, check be voided in error, loss of
power due to, low, or empty battery failure), so that another
wireless electronic check deposit transmittal can take place should
the system's online user account not recognize the scan; temporary
image saver is a vital feature that allows the user to resubmit a
scan should any malfunction take place; once the image is viewed,
it must be submitted for deposit, or it is automatically deleted
for security (temporary view time frame will be allotted i.e.
60-120 seconds, 1-5 minutes, 10 minutes)--If the user decides to
resend from the device, he or she must check the pop up window that
requires the user to submit for wireless electronic check deposit
request after viewing once the image has been delivered to his or
her account; the transmission request and transaction data is then
documented and sent to the bank to be recorded and possibly
monitored; user is capable of scanning the endorsed check onto the
device, which automatically delivers the image to the computer
program's online system; User then goes to the website--entering
his/her id and passcode to view the scanned image; All scans
initiated through the device are sent to the user's account and
automatically documented and monitored for security protection;
check images have the ability to be stored for future deposits (ie.
in the case of post dated checks), where the system can be set to
deposit a check (or an unlimited number of checks) on a specific
date for processing; device comprised of pre-installed connectivity
ports (such as USB, firewire, serial cable), antenna, power button,
backup battery, rechargable battery, carrying case (for travel),
refillable ink and blade slots (optional), send button,
preinstalled Wi-Fi/Bluetooth chip to enable wireless capabilities
(to allow device not only connectivity to the wireless computer
network, but enablement to scan the endorsed check image wirelessly
without the need for a connectivity port or cable); scanning, and
depositing and cashing a check and/or money order online (WEDS.OMS
system); Device materials being comprised of durable plastic
(outside and internal build) comparable to that of a palm pilot's
cover/shell plastic, consisting of onboard (integrated) Bluetooth
802.11b Wireless Networking--WI-Fi LAN and Bluetooth, secure
digital slot, biometric fingerprint lock, removable battery, two
USB ports, two firewire ports, infrared beam, 10Base-T Ethernet,
IrDA, transreflective screen with Screen protector, mini flashboard
and/or disk on chip flash, rechargeable removable battery, optional
flash programming port, internal Bluetooth, memory chip and virtual
memory, extendable antenna and holder and feeder, bank identifier
switchers, window scanning device (both small and large), with a
swipe head reader that reads the numbers on the device to ensure
wireless connectivity with the software).
3. The method of claim 1, further comprising of non-check documents
that fit the size capacity can be scanned and wirelessly
transmitted to the computer network, linked to the user account for
document service option (ie. Record keeping option, and/or printing
option, and or, to accompany OMS records for unified print and
documentation of document scanned and user's OMS account
records/database.
4. The method of claim 1 further comprising of user account
origination to be processed at the bank, where user identity is
confirmed and verified, and given login information and a user
authorization number in order to register their account online,
alternatively allowing the bank to opt to set up/originate the
user's online check deposit account at the branch, where signature
authenticity is obtained for verification--where the prospective
user must sign "signature cards"--to confirm their the authenticity
of the user signature before the account is set up, allowing the
bank to verify and compare signatures of the one given at the
branch, versus the endorsed checks being wirelessly submitted for
online check deposit, which enables the bank to take preventative
steps of caution, to prevent fraudulent check deposits and user is
required to give their fingerprint and have picture taken to link
his/her account to the OMS for future processing, user then
receives preauthorization code, to set up initially online, or may
opt to have it set up at the bank on their behalf, while user is
present at the bank; user will pre-register their device to their
pre-set up and originated user account (including model number,
device serial number and registration number, date of purchase), so
that all scanned images sent from that device are automatically
linked to--and delivered to the user's online account (verification
and documentation of product registration is required); once
delivered, the user will receive an email alert/notification (to
whatever email address the user has entered during in their email
notification request area at time of user account set up and
origination) that informs the user that a new image has been
received for deposit; The user must then sign in, verify the check
information (routing number, checking account number, date on
check, check owner's name and bank name, user's name, date of
deposit, amount of deposit, user's bank information for deposit,
etc.), and choose the option to send the user's endorsed check
image to the check owner's bank for fund verification, and check
clearance; once cleared and approved for deposit with financial
institution--the check owner's bank can either A) electronically
deposit the funds into the user's account (voiding and recording
the check transaction) or B) send verification to user's
bank--which will guarantee reimbursement of funds, where the user's
bank will either A) deposit the full amount of funds into the
user's account until the full check amount clears or B) allow the
user to borrow against their account, to supply them with immediate
check credit until the processing time frame of the clearing the
check has completed and the user's bank has been refunded (the full
check amount or partial check amount deposited in increments is
transferred to user's account is fully up to the discretion of the
check owner's and user's banks and/or financial institutions)--bank
has option to use the above processes, or give OMS authorization to
do so on their behalf (if federal reserve authorization process to
remove funds from one account to the next is not being exercised,
and the above mentioned procedure has taken place); furthermore,
the capability of alternative fraud and manual error prevention for
those utilizing WEDS and OMS system taking place through (optional)
check voiding ability, (1) Paper check Voiding ink process where
ink blotches or ink imprints are marked onto the check in a
uniquely designed pattern, which automatically voids the check out,
and makes the check information no longer visible; (2) Paper check
voiding cutting process, where thin, light, yet sharp cutters or
blades are pre-installed in the device (option to change the blade
to upkeep sharpness)--which makes light, yet distinct incisions in
the check from a multitude of angles and patterns, in unique
patterns, The ink patterns and blade incisions applied to the check
take place during the successful captured and transmitted image
scan of the check, the check will not release until the scan has
been recognized as successful; once recognized as successful image
receipt, the check voiding process begins Before the check is
completely released from the device; (3) The dollar amount and
number of checks that a check deposit user is permitted to deposit
online/wirelessly is limited to a set number by the bank (to a
certain amount of transactions allotted per user in a 24-72 hour
time frame--in addition to monthly usage/transaction allowance),
along with a secondary pre determination set by the checking
account holder/owner (in addition to watermark print option on
check once it has been submitted through the device, to prevent in
person fraudulent check cashing and/or money order cashing at
banks, financial institutions, check cashing centers, and us postal
service centers where it indicates the paper document is
void--which allows presenter to be identified as fraud, in addition
to capability of checking system database for that paper document
to have been automatically logged using OMS); (4) Check deposit
User Identity verification where the user must register for use of
the service; this registration takes place, where the prospective
user goes to the bank, and presents identification to the bank,
along with providing fingerprints to register for use of the system
(fingerprint option is an optional feature that can be added
depending upon user need, and bank discretion--for internal user
rights and access), The user's identification verification and data
are recorded, and entered into a private database (the private
database records all transactions and requests by all
user's/depositors, which includes their banking and request
information as well); The user database records user's transaction
history, and stores check images anywhere from 12-48 months (on
file), where user may use as a reference, should future discrepancy
arise; Upon registration at the bank, the user is given an account
number, which identifies the customer, and is linked to the bank
system, to keep track of all transactions initiated under the
user's (deposit) through the online account management system
software controlling system; depending upon the needs and
procedural requirements versus the meeting of client satisfaction
needs the bank may set up (or require), the bank may set up account
user activation, where deposit user may (or may not) have to wait
for a pin number to be mailed to them through their local postal
service (regular postage mail, priority mail, overnight mail), in
order to activate the user accounts, to initiate deposits; Once the
pin number (given at bank or through the mail), in addition to the
user deposit account number, the user must then set up a user
login, and password online (through the online account management
system software which processes the transaction)--to be associated
with the user's account number, to activate the capability, and
begin Wireless Check scanning and delivery of endorsed paper check
images for online deposit request.
5. The method of claim 1 further comprising of Handheld Wireless
Electronic Check Deposit Scanning and Cashing Machine travel size
device capability to capture image of check in a smaller view, in
order to scan substitute checks that may come in a smaller size,
For instance, if the law provides the option for substitute checks
to be 2 inches long 2 inches wide, the device will allow miniature
image capturing of that size, and allow the size to be maximized
upon the delivery from the WEDS computer network to the OMS system
for easy viewing; device and Clamp connectivity option having
adjustable unit options--also where size height, length and width
measurements devices vary (smaller and/or larger) of 61/2"-8" long,
1-4" height, 11/2"-31/2" width, 1"-9" high.
6. The method of claim 1 further comprising of user's mobile device
must be Internet capable (i.e. Bluetooth installed, dial up service
using phone as a modem, wireless service provider browser
server/service)--which would enable user to connect to the Internet
(and possibly download computer program software to navigate
offline) and manage online check depositing transactions and
preferences; detection and transfer of images occur securely while
offline, where image is stored, but inactive for processing, until
user manually links the data to his/her OMS user account for
processing.
7. The method of claim 1 further comprising the step of delivering
an email alert, and or text alert notifications that verify to the
check owner and user/depositor of online check deposit transactions
along with deposit attempts, successful and completed wireless
check deposit transactions (for wireless electronic check deposit
request), along with general check information--such as check
number, check amount, date on check, check endorsement information,
etc., which is a accompanied with a transaction, which is recorded
with the bank, and attached to each specific transaction; and all
transactions are recorded on the OMS system, and with bank through
a work "cue" that reflects successful transmissions, unsuccessful
transmittals, uncompleted transactions, and requests sent and
delivered to the system (to monitor consistency on the system, and
prevent fraud)--where an email and/or text alert notification to
the payee and payor once the check has been cleared and the funds
have officially been deposited--thus, bank keeps all wireless
electronic check deposit transactions and transaction attempts
(i.e. images, user account transactions, checking account activity
relating to the wireless electronic check deposit system) on file
for 12-24 months, 3-5 years, for the life of the checking account,
or up to 2-6 years after the life of the checking account, allowing
the bank, check deposit user, and check account holder to keep all
transactions on file for legal and fraudulent protection purposes;
user also has the option to write and print checks (using a third
party application--i.e. intuit or check writing feature on OMS
which allows user to write check on OMS and send the image
electronically to another OMS user account, so the monies can be
withdrawn from one OMS account and funds made available in another
account)--using OMS system of check writing (check number and image
immediately recorded and stored, and send to OMS user's bank to
void the check out; in addition to (optional) check cashing center
database notification.
8. The method of claim 1 further comprising the step providing the
option for OMS (and/or bank) to decide to, or not to allow user to
borrow against his/her account in order to cash a business,
personal check, and/or business check, and/or user out of state
check while funds are being processed, to allow user to receive
immediate availability of funds into user account.
9. The method of claim 1 further comprising of the device
characteristics including the option for the wireless electronic
check deposit scanning machine system device to have built in web
browser and server chip to process and control wireless image
delivery, and request for deposit in one unit; along with the
device allowing one to several (the capacity to scan 1, 30, 300,
and/or 3000+ simultaneously--using a variation of devices to handle
the capacity requested to operate scan and transmittal)--through
devices variation of size thus, One device variation will be the
size of a personal paper check, the other will be the size of a
personal digital assistant, the other device variation size will be
the size of two personal and/or business checks that will come with
a holder to place the checks into, in order for checks to be
scanned and sent through the device to the network at a faster
rate; scanning more checks in a 60 seconds or less) simultaneously
checks to be scanned and wirelessly transmitted and delivered for
online check deposit simultaneously, to grant user ability to
wirelessly scan many checks at the same time using the window
feature or multi feeding feature; hardware device has: 1) switch
that identifies all bank accounts pre-registered on the account (so
when the check, money order is swiped through the device the device
then knows (through WEDS) what account to send the image to for OMS
processing--user registers using the OMS to provide bank
information and user account data, in order to designate scanning
transactions to specified banking location (for example, A, B, and
C are labeled on the device where user registers on the OMS, so
label A goes to user's first banking account, label B commands
deposits and/or cashing for user's second banking account, and
label C commands deposit/and or cashing for users third banking
account--which goes into user's checking account using WEDS to
transfer and OMS to process data images) so user can have
transmittals go to specified banking accounts for specific
transactions; 2) window of scanning device that can be pulled out,
so checks (and/or) money orders can be scanned through the device
for OMS processing.
10. The method of claim 1 further comprising the step of the bank
(located on the check) verifying with the user whether that feature
is available on the account linked to the check; before that
information is released the user must first give the bank the
hardware registration number, which will be identical with and
intertwine with the software registration number (--which arrive to
user collectively for option to use hardware with
software--registration number is unique and identifies and links
each individual user with their banking account--thus, may have
characters, model and serial numbers combined with user banking
account selected number), so no two device registration numbers (on
hardware or software) are alike, the hardware is initialized by the
software, in which they both are integrated and work together,
relying on one another in order to communicate with one another for
operation activation and/or use--thus only the unique hardware
registration number and software registration number (which may or
may not include a variation of numbers, that are identical with the
user's banking account number and/or routing number can communicate
with each other only--so the hardware is dependent on the software
and vice versa in order for operability of WEDS hardware (Wireless
Electronic Check Deposit Scanning and Cashing Machine--wireless
transmission of data); and OMS software (web-based Online account
cash Management solution computer application software System (also
known and referred to as OMS virtual/live teller) operating and
intertwining as a whole (i.e. Thus, if hardware is stolen, it
cannot be used, because it was created to work with t he specified
software program and hardware device it was uniquely created for;
attempt codes, which will be logged into bank records--each
registration number is unique, and is tied to each individual
user's banking account and/or routing number in order to operate,
that it identifies all bank accounts--so the numbers can connect
with the bank (user's bank, and check owner's bank); virtual teller
(which is OMS, and includes live help in Instant message format
during business hours on the OMS website, available to registered
users who may wish to ask questions from a live teller regarding
their OMS online account) acts a liaison between check holder,
user/depositor/casher to verify funds, and gain permission to move
funds (for the check amount) from one destination (i.e. the check
owner's banking account) to another specified destination (i.e.
into the user/depositor account) which reflects as a
wire/electronic transfer for immediate and/or expedited funds
availability processing time frame (the option for OMS to link with
bank, check cashing, US Postal service, Western Union (and the
like) database to verify and gain electronic approval for cashing
and/or depositing--making funds available to user/depositor/casher
(western union option for wire of funds to user to be available for
OMS account deposit, where user can have funds and/or check
delivered to OMS account, log on and direct funds which account and
for how much to make funds for in whatever banking account user
decides to make the deposit in--through OMS linking to western
union to receive wires and checks being made payable to users
through western union, so the user does not have to: 1) go into a
western union location to retrieve their funds and/or 2) give out
their personal banking account information (OMS creates specialized
account to receive monies)--it is made available through OMS--where
user can receive the funds online, and direct the OMS in which
account(s) to deposit the monies in--user can deposit in
increments--Example: user receives a wire for $1,000.00 from
western union--user can then have the monies sent to their OMS
account, and direct OMS to deposit $500.00 in account A, $250.00 in
account B, and $250.00 in account C, for a total of $1,000.00 made
available to user for immediate use in three specified areas) and
transferable and/or allowing points of authorization ability to
view OMS checks and money orders deposited as fraud
protection)--requesting funds to gain authorization to verify and
make funds available from check and/or money order depositing
and/or cashing on behalf of user through transfer of funds
authorization, then making monies available to
user/depositor/casher, through authorization from Federal Reserve
Bank approval, and/or financial institution/bank (user's, and check
owner's) approval, and/or check cashing and postal service database
approval, using the OMS, as virtual online teller; device has lock
security feature (option), where the user must enter a passcode in
order for the device to be operable once power has been turned on;
the user may set online preferences that will enable him or her to
deactivate use of their device should it become lost or stolen;
After the device has gone without use for a specified time frame
(i.e. 24-40 hours or 2 weeks), (option to where) the device becomes
automatically inactive, where further use is no longer possible
without re-registration; User may re-register the device through
his or her online account, and after answering specific security
questions given during initial registration may be completed for
continued use of the device, which is a security feature allows the
user to keep fraudulent scans that may occur--in addition to user
registering his/her hardware device (wireless electronic check
deposit scanning machine) on the OMS in order to track device
uses/transactions--also where user must log on to system in order
to view endorsed check image; if lost of stolen device, the user
can log on to his or her online account, and notify the
manufacturer's customer service, where the device can be set to
receive no signal, so scan transmissions will not go through, and
will not be delivered, they will be unsuccessful transactions, and
listed as a stolen device under that serial number; manufacturer's
authorized technical support and warranty department upon receipt
of the actual (or deactivation of unit, making the device
unavailable, un-optional for service and/or connection to the OMS
to fully utilize WEDS.OMS) unit for resale or repair (through OMS
technical support), etc. will reset the registered software for
communication with a replacement device.
11. A computer program that receives and manages wireless
transmission of data (check and money order images), which contains
a software registration number that is connected to a hardware user
registration number on the hardware device, that has a unique
numbers and/or characters that identify each individual customer,
once transmittal of image(s) is received with connected unique
transmittal number (that identifies the customer) the system
automatically delivers the image to a specified area on the OMS
(which is the OMS user's account viewing area); program verifies
electronically with federal reserve bank, financial
institutions/banks, check cashing center databases, post office
center databases to verify check data, user data, and to gain
permission to transfer funds based on the data received by the OMS;
program acts on user's (depositor, and or casher's) behalf by
processing teller transactions online, in a wireless environment;
program capable of linking with money ordering systems and
infrastructures through electronic notifications, authorizations,
and permissions, to enable user to print money orders online (which
will be input into OMS database system, that records and notifies
check cashing database centers, and/or money order database
centers, and/or postal service centers' system databases of money
orders purchased and cashed)--Includes specialized, unique print
and bar code which reflects on user's print out that can be scanned
upon presenting for cashing), and cash money orders online and
checks online (through electronic funds transfer, through wiring of
money, and through OMS allowing user to borrow against their
account to make funds available immediately in their
checking/banking account); conducting wireless electronic check
deposits--using a system that wirelessly recognizes received
images, for transfer of data and, copying and verification of data,
along with bank submission of transaction information, linking
wireless transactions to an online user account, which processes
the wireless electronic check deposit process; the system acts as
an intermediary tool that provides the user and bank with
information in the form of encrypted/protected images, bank and
user information; It controls the transaction alerts, and records
and delivers information; Information being recorded and delivered
consists of receiving user information submitted, delivering data
to the bank in a secure manner, receiving reply and instructions
from the bank, which is delivered through the system computer
program back to the user to advise of the outcome of request; In
addition to sending out notifications to all parties of final
outcome of the attempt (via email, text message, postal service
correspondence mailing); user's account is linked to his or her
bank/financial institution, which prevents fraud, and makes deposit
process quicker and more efficient.
12. A computer program of claim 2 for executing and maintaining
online security assurance along with successful, completed
transactions and transaction attempts; through blocking unknown,
unauthorized, un-programmed/unidentifiable data and file
transmission or alteration attempts and deliveries during, after,
or before data transmissions--This prevents outside, unauthorized
users from attempting to corrupt, un-code, read, block, freeze, or
copy data to gain access to hidden and protected images, and
encrypted data during data transmission, and capturing user picture
on user's webcam for check cashing processing, money order
processing requests, and may or may not require for check deposit
processing requests (for expediting requests to borrow against
user's account); high security level prevents data leakage (i.e.
client databases; transaction histories--including successes,
denials, attempts), and visibility or access to unauthorized
parties, by encoding and encrypting data files, and locking and
distorting data image views that may be viewed upon entering a
unique password and user identification--that can only be launched
through the registered website on an authorized computer
network--only accessible through banks and financial institutions;
software can be pre-installed for working offline, where the user
can scan and save check images to his/her computer, for future
deposit (i.e. future deposit date, post dated checks for future
online delivery, to serve as backup should scan not be successful
wireless delivery attempt, etc.) through firewire connectivity
port, USB, or serial cable--where the check image can be delivered
to desktop computer, laptop computer, mobile device, pda, and/or
any other Internet enabled device with USB, firewire, and/or serial
cable, which would permit users to scan offline, using a
connectivity port, with the option to send that endorsed check
image wirelessly onto the online system (OMS); data cannot be
requested for submission, and wireless electronic check deposit
request cannot be initiated, until user has registered with their
bank for online registration information; until the code has been
accepted and account has been set up online where user has created
a user password and identification number--The system creates a
user account number which may or may not be a combination of the
original access code given to the user at the bank--along with
user's banking account identification numbers; upon account set up
and registration with the user's bank, the user is set up for
processing wireless electronic check deposits (check, money order
cashing) for any personal check, business check, government check,
money or (who's users or--in the case of the government department
heads--have authorized wireless electronic check deposit feature as
an option); granting bankers the option to include Saturday hours
as an option to include in their processing time frame notification
is an option for bank or financial institution users (check owner's
bank/financial institution); feature allowing banks to include a
section called/labeled "bank notes" or "bank notation" where they
can post stipulations, regulations, processing time frames, and
additional clauses, etc.--so when the user selects the check
holder's bank to submit the request for wireless electronic check
deposit request, the banks notes will be visible; account
registration having automated information requests and options for
the user; requests such as user's code given by the bank, first
name, last name, complete address, email address, social security
number (or last 4 digits alternative), mother's maiden name, phone
number, work number, cellular phone number, bank references,
employment history, etc. Automated options including alerts upon
receipt of request, alerts upon processing of transaction, alert
upon unsuccessful transactions (denials, incomplete submissions),
option to copy account information to other banks for future
transactions with selected banks.
13. A computer program of claim 2 where forwarding capabilities
where check image can be forwarded online to another destination
via email and/or fax, where user can set and customize commands
that automatically comply to user set preferences (i.e. check image
storing time frame, deposit request for specified deposit date,
etc.), along with print option--where user/depositor can have check
image printed to a designated printing location--which may or may
not be preset to only print general information (i.e. not check
owner's address, account and routing number, check owner's
signature, etc.) to protect check owner's privacy for
user/depositors who wish to print the check image; with printing
option, where sensitive check owner data of the check image is
unreadable (as in FIGS. 4-A and B); alert options and settings,
record of transactions (where receipt can be printed, and/or OMS
account user's transaction and conformation page that recorded and
confirmed transaction--deposit, cashing of money order/check,
and/or verifying purchase of money order), and endorsed check
images and deposit data on file, live teller option feature,
liaison capability to verify transfer and disperse of funds for
electronic deposit EFT, set language capacity--English, Spanish,
Greek, Chinese, Hebrew, Japanese; user log in and preference
setting capabilities, along with levels of security (including
password changes, bank account deposit account data changes, etc.);
purchase of money order available through authorization to link OMS
with and internal and/or contracted connection with US Postal
Service (by OMS purchasing Xamnt of money orders, and selling to
OMS account user as a third party vendor, and/or OMS receiving
funds from OMS account user, then purchasing directly from US
Postal service system electronically, allowing OMS account user
ability to print specially coded, bar code protected, system
documented money order online through OMS); both check owner, and
endorser's signatures are verified (in addition to depositor's,
casher's picture being captured on live (USB, serial, or wireless
webcam) web cam for security purposes.
14. A computer program of claim 2 comprising of fax option (based
on software use, when user is opting to not use hardware), where
user/depositor signs up and is given a unique fax number
(identifiable to user's OMS account and banking account) which is
linked to the wireless computer network (WEDS network), which
allows the endorsed front and back check image to be captured,
received, and delivered to the OMS for check deposit, check
cashing, money order cashing processing--where user must then link
their webcam to the network for processing request to be submitted
and processed (to confirm user identity and verify transaction
request "live"--as an added security feature--to prevent fraud);
fax option can be used for check cashing/depositing, money order
cashing, and future deposit(s) (ie. Commanding the OMS to deposit
two weeks from initial delivery onto OMS user account) request(s);
software system feature allows Live, Online check cashing and money
order cashing (along with money order deposits, check deposits, and
money order printing) option, that allows user to cash a check,
and/or money order with the use of WEDS to deliver the (endorsed)
check, and/or money order onto the OMS for processing; consisting
of the following steps: 1) (endorsed) check, and/or money order
image is sent wirelessly to network, and linked to OMS (for
delivery to user's OMS account); 2) image is retrieved after user
logs on; 3) user is then able to request for check to be cashed, or
money order to be cashed (which will appear as a electronic funds
transfer; 4) OMS verifies, user, check/money order data (by
verifying with federal reserve bank, financial institution--in the
case of money order--post office centers and databases, and check
cashing centers and databases) for approval to move funds from
specified area (i.e. Check owner's account), into user's banking
account as an EFT; 5) verifies user account info and system (to
ensure check and/or money order has no multiple deposits, or
cashing transaction histories (multiple deposits allowed in the
case where user is depositing with check owner's written and
submitted permission, monthly payments, and/or donations to a
business and/or organization for the same dollar amount, and on the
same day of every month--which acts as an automatic payment, or
automatic donation of funds removed from check owner's account on a
specific date, at a specified time--i.e. Weekly, monthly,
quarterly, and/or annually--from check owner's checking account,
into depositor's account--referencing the original check image as
added authorization to deposit); 6) verifies and captures image
(photo) of user's live image seen and connected to OMS through
user's web cam, in addition to recording user's ISP address, and
account data; IRS and tax preparation software feature in
connection with system options, that allows user to have bank
account transactions (sales and revenue) itemized and organized by
month, quarter, year--separating personal from business
expenditures, preparing user for taxes with suggested tax forms for
user's state and account; allowing user to enter donations that
have not been reflecting on account and print up itemized charts
and workflow sheets (to attach with physical receipts not utilized
through user's banking account, locating business expenses and tax
write offs for user tax and accounting preparations; acting as
bookkeeper keeping a running balance of user's expenditures,
sending alert notifications (vie email, text messaging, and/or
automated voice messaging) when balance reaches a certain figure
(determined by the user), when expenses and/or revenue reach a
certain dollar mark (determined and entered onto OMS by the user);
automatic grouping(s) of finances and automatic expenditure is
processed based upon how user groups transaction history and data
provided on his/her account, which is printable--separates personal
expenses and/or revenues and donations from business expenses
and/or revenues and donations, in addition to those purchases
and/or donations which can be written off--features allow OMS user
to utilize OMS account data and transaction history, in addition to
the ability to add transactions not reflected on bank account, to
prepare WEDS and OMS System account users with financial organized
documents for tax document preparation.
15. A computer program of claim 2 further comprising of the
wireless electronic check deposit scanning machine is connected to
a wireless computer network, which is lined to an online web-based
computer application (controller) system where check deposit
becomes a request that OMS obtains verification (acting as a
liaison between the user/depositor and his/her bank, along with the
check owner's bank, and processes either through the Federal
Reserve Bank, and/or through the user/depositor and check owner's
bank where the funds being deposited into the user/depositor's
account is performed as an EFT (electronic funds transfer) into the
user/depositor's bank checking account for online check deposit;
enables user ability to control operational maintenance through the
option to set preferences to include "bank notes" or "bank
notations" with their email notification alert of wireless
electronic check deposit request.
16. A computer program of claim 2 comprising of where TCP/IP,
IPX/SPX, or comparable communication tool is used to enable
communication over the internet (from WEDS to OMS--so hardware and
software are integrated) wireless check and deposit scanning device
are then able to communicate with the wireless network over the
internet (using WEDS and OMS as a whole unit--one entity) that
links (and delivers) the endorsed check(s) and/or money order
image(s) to the OMS for processing; operating system of Linux, Unix
or comparable computer operating system tool to function as a
secure server for WEDS.OMS system; software programming language
tool Java, C++, or comparable language tool enables use of the
software program (OMS--which will allow software OMS, to
communicate with the device, using WEDS, through
pre-programming--Thus, the hardware cannot act and/or perform
without communication with the software; sending commands and
receiving images for operation) on Internet enabled mobile phones,
pda devices, all Internet enabled devices, desktops, laptops, in
order to navigate and set commands using the web-based application
controller software system--in addition to setting security user
capabilities to the master program; execute commands set forth by
online user/depositor (i.e. receive check images through scanning
device it communicates with, and is linked to, verification of the
endorsed check image data through user log in and typed
verification input, confirm data with check owner's bank, and the
like thereof; images can be viewed as a jpeg file, gif file, tiff,
pdf file or any other image viewing enabled, readable format file,
preinstalled in the software for easy viewing--which can be
installed on an Internet mobile device, laptop, desktop, pda,
and/or any other Internet enabled device.
17. A computer program of claim 2 comprising of allowing the user
to utilize a non-endorsed check image feature, where the user can
wirelessly scan and have delivered into his/her account (OMS) any
image that will fit the size of the device; check owner has the
option (depending upon discretion of the bank) to keep a record of
all wireless electronic check deposit transactions that have taken
place under the checking account until the bank delivers a
statement showing the check deposited wirelessly along with
transaction number.
18. A computer program of claim 2 further comprising of where a
variety of protective image slides (also known as protective image
blockers) are pre-installed imprinted onto the image (single slides
or combination of slides) and encrypted to prevent view of image
during all wireless and online data transmission, where the mage
has distinct, yet unique security features, where a single and/or
combination of characters, numerical figures, and designs operate
together to make the image unreadable and undetectable, and upon
receipt of the image, the protective image blockers or protective
image slides are released, which can be done through a number of
ways--A) upon successful delivery--the image is automatically
released and delivered to a specified area in which only authorized
users of that feature may view the image (i.e. authorized wireless
electronic check deposit account user can view the images scanned
and linked to be delivered to his or her account; authorized bank
user who receives image, and initiates the wireless electronic
check deposit verification process) and/or B) the user must go to a
specific area to release the protective image blocker/slide to
unblock the image (option A, option B, or a combination of the two
may be exercised, depending on the discretion of the bank)--and
pre-installed slides are encrypted.
19. A computer program of claim 2 further comprising of language
preferences where the user may operate and link his or her account
online in English, Spanish, Chinese, Hebrew, French, Russian,
Portuguese, Japanese (along with a multitude of other language
alternatives); option to save and backup coded transaction
information to an external device; option for user to sign onto to
his or her account to register a mass request to registered banks
(banks who have opted to make this service available to their
account holders)--for a request to copy the user account
information into their database for future transactions--this
feature is entirely up to whatever banks decide they want to add
their contact information for user contact; user's bank has the
ability (depending on user request or acceptance of feature) to
copy registered user's information to select banks (that user has
requested or authorized) for recording of future
transactions--thus, user's info will be in bank's database prior to
wireless check depositing transaction request is initiated.
20. A computer program of claim 2 further comprising of an ability
that prevents duplicate deposits (of the same exact check
amount--without the check owner's written permission to process
repeated deposits on the same check) through a preauthorization
that verifies the check information (check number, check amount,
routing and account number, signature) does not exactly match any
previous deposits linked to the user's account; In addition, the
final authorization is through the bank, where the wireless check
deposit request linked to the user's account automatically scans
the entire bank database to process an automated search to verify
no like items have been requested--which is another feature to this
computer program; allows the system to prompt the bank to do a
secondary check on the checking account owner's account once the
automated computer program initiates and launches the banking
system's history to locate like/similar/exact wireless (and paper
checks) check deposit transactions and requests--this important
security feature verifies that no like items have been deposited
(i.e. check number, check amount, date, etc.), before funds are
verified for deposit, before entire transaction process begins;
once a pattern of deposits or similar/like transactions have been
detected (i.e. same or similar user depositing multitude of checks
for same or similar amount, wireless check deposits in small,
large, consistent, constant, frequent increments, etc.) for
wireless (or paper check) deposits, the computer program system
automatically does a security scan for fraud protection check and
notifies the bank of the pattern through an internally secure
online system alert/notification--prompting the bank to further
investigate the transaction, check owner account, and user
account.
21. A computer program of claim 2 further comprising of an WEDS.OMS
workflow and query screen (that can be set in the preferences menu
to occur at a specified date and time on an annual, weekly, or
monthly basis) which lists all transactions completed, attempted,
approved, denied, incomplete--It includes user name, account number
along with check information--this feature allows bank users to
customize a system that will enable them to monitor selected,
unique, transactions that fit their specified profile (i.e.
programming the computer system to find all transactions that fit a
particular dollar amount, user id, checking account number and/or
signature pattern--along with additional user options); computer
program system can be installed on a desktop/laptop computer (for
desk use), and can be downloaded onto a mobile device (for use
while in travel); once the computer program is installed, users can
connect device to the computer/Internet capable device (through USB
or firewire connectivity port); once the device is connected to the
computer/Internet capable device, the computer program's icon
(which will allow access to the program) will be on the
desktop/home screen; once it recognizes the device, user can press
the status button on the device and the computer program will
automatically open and gain immediate access to the online system
it is linked to, the user is then able to log in with username and
password to begin making commands in the computer program system
online management service (OMS).
22. The claim of 2 further comprising of the option for user to
receive a check via fax to be wirelessly electronically deposited
into their account; the check account owner would call the bank for
a unique processing code number (may be numbers, characters,
symbols, or a mixture sum or all)--which serves as proof that the
bank is aware of the transaction about to take place--Upon receipt
of the front and back copy of the signed check, along with the
processing number given to the check owner by their bank--the user
verifies the information and forwards it to their bank (through the
computer program system online account management system) and
requests for check owner initiated wireless electronic check
deposit; the user's bank (linked to the computer program online
account) receives, verifies (with the check owner's bank), records
and processes the check, an email alert notification is sent to the
account user and the check owner to inform them of the processing
status and time frame, along with a transaction number for the
completed transaction--this option makes it possible for the user
to receive signed, valid checks from the check owner via fax, to
directly deposit into their account, Security of delivery of the
check is low due to the fact that the check owner is faxing it
through their personal (secure) system OMS (online account
management system) to act as a liaison between check holder,
user/depositor to verify funds, and gain permission to move funds
(for the check amount) from the check owner's banking account to
the user/depositor account as a wire/electronic transfer (to
expedite deposit time frame), through authorization and
confirmation with the Federal Reserve Bank, check cashing center
database, US Postal Service money order database systems.
23. A software system capability for optimized, high level security
(and maintenance for OMS and WEDS) alternative options (i.e.
Setting internal user security levels, and bank security internal
authorized users and security features, etc.) to be used (in a
secure, wireless, electronic environment) internally at financial
institutions, banks, and/or any other establishment that has access
to the OMS and WEDS system, where multiple users may have access to
system database managed by a corporation, or government entity
comprising of an optional fingerprint feature, where in order to
gain (higher authorized) access to the (sensitive, high secure
data) account, the bank authorizer must provide a copy of their
fingerprint which is embedded into the system to serve as
identification where only that person can use and operate detailed
transaction data (for previous, and current transactions--such as
detailed endorsed check image and information; detailed check owner
information--such as owner's name and address, bank routing number
and check account number, check number and date, etc.; and detailed
user information--such as their account number, transactions they
have made throughout the life of their online account, etc.);
system can detect user level of user rights, accessibility, and
capability rights to control and preset user rights and options,
set by fingerprint imprint recorded and securely stored into he
system database for print matching availability (i.e. system gives
online users/depositor limited user capabilities and access set
forth and programmed through the software that is linked to the OMS
for processing--which limits user/depositor online access areas,
and levels of controls and commands that can be set for through the
website and/or while working off line); and capability to recognize
authorized bank user's fingerprint through a touch screen, The
touch screen may be third party hardware that is identified and
installed to recognize the fingerprint (through the software
system), and link to the online system upon database authorized
bank user's fingerprint data bank (that records all authorized bank
users) that will record the fingerprint imprint and match it to an
exact matching fingerprint in the data bank to allow authorized
bank user access to the system (WEDS.OMS).
24. The system of claim 3, further comprising of login in password
that is delivered to authorized bank users (which can be updated
every month, every other month, or every quarter)--which can or
cannot come with an additional access pass-code question (in
general or in the event user log in info be misplaced or
forgotten)--Before the authorized bank user is prompted to provide
his or her fingerprint for access to the system; Authorized bank
users are allowed detailed and full access to online
transactions--which allows review of transaction histories (i.e.
user information, check amount, check number and check date, etc.);
secondary, less authorized bank user level (herein known as the
secondary bank user), where secondary bank user is given less
access to the system than an authorized bank user--This allows only
for the authorized bank user to view general information regarding
the check owner's banking data, along with a limited amount of
account user data without recorded and approved authorization of
higher authorized bank users--The main function of the secondary
bank user is to verify and transfer funds, verify image data, and
verify both user and check owner information before a transfer of
funds takes place, the secondary bank user verifies and authorizes
check information to permit approval for wireless electronic check
deposit into user account.
Description
CROSS REFERENCE TO RELATED APPLICATIONS
[0001] This application claims the benefit of U.S. Provisional
Application No. 60/532,416, filed Dec. 23, 2003.
[0002] This application claims the benefit of U.S. Provisional
Application No. 60-515,912, filed Oct. 30, 2003.
BACKGROUND OF THE INVENTION
[0003] 1. Field of the Invention
[0004] The present invention generally relates to a method and
apparatus for Wirelessly depositing paper checks that are deposited
from home computer, desktop office computer, mobile device that is
Internet capable, laptop computer, Internet capable pda (personal
digital assistant), and/or any other working device that allows one
access to the Internet through wireless solutions--which is
wirelessly scanned and delivered through the Wireless Check
(deposit) Scanning Machine--where the endorsed check image is
captured, and wirelessly transmitted to a wireless computer
network, that is linked and delivered to the online account
management system (OMS), which acts as a virtual teller by
receiving and confirming the check image data on the
user's/depositor's account (ie. routing number, checking account
number on the endorsed check image, dollar amount of the check,
date of the check, check owner's name, and bank name, etc.)--where
user logs on to enter the dollar amounts and figures into their
online account management system Account, to initiate and begin
process of check deposit request; verifying check data through
user/depositor online data verification; submitting request to move
funds (for written amount of the endorsed check image) from check
owner's bank checking account into user's/depositor's bank
account--serving as an electronic funds transfer. This web-based
cash management application solution program controls the
processing of the check using a secure format (OMS), while the
Wireless check scanning Device wirelessly securely transmits the
data to the wireless computer network that links to the user's
online account (operated and controlled by the OMS). This
enablement opens the door for Global Banking, with a limitless
variation of transaction (ie. business, personal, international)
capacities. The check (once wirelessly delivered to the system)
controlled for deposit in the online account management system
converts the check image into an electronic banking transaction
(appearing as an electronic banking funds transaction--for
expedited processing and wiring of check deposit funds made
available in user/depositor checking account); in addition allowing
the user/depositor the capability of Cashing and Printing orders
through the OMS process--once image has been received and delivered
to the OMS through WEDS, the user is then able to verify document
type (ie. Personal check, Business check, Money Order) for request
to deposit, or cash the check/money order. The deposit takes
process through user logon and verification of check depositor and
check owner's banking data and authorization, along with the system
authenticity of document and user check. The check cashing option
occurs when user has web cam hooked up, and destination of the
user's ISP (Internet service provider address and local computer
network to detect where communication from user's computer is
coming from) so user can be located, and his/her destination at
time of transaction request can be located. User's picture is taken
through a live image captured during the user's request; which
shows the user's action throughout the time of the transaction.
Upon approval and verification of the check data and user data
within the OMS system, the OMS live teller allows the funds to be
electronically transferred into user's account (EFT) at the point
of transaction, which makes cash available to user immediately. The
image of the check/money order is recorded, and voided out, and
notification is sent to the user's and check owner's bank/financial
institution, and/or place where OMS purchased money order on behalf
of user--and documented into a web-based OMS national system, so
all check cashing stores, banks, and post offices can be aware of
all checks and money orders cashed through WEDS.OMS system.
[0005] 2. Background Description
[0006] With the booming Internet Information Age, the number or
online users are increasing both in the United States and overseas.
There are more than 32 million online banking customers in the U.S.
and over 100 million in Europe. As an effect of the high volume of
users, people are looking toward the Internet as an avenue to
increase both personal and professional productivity, more
particularly in the field of banking.
[0007] Banks in the U.S. spend $8 billion in processing checks, and
the Federal Reserve processes 42 billion checks per year. As the
use and need of checks continue to grow and remain vital for
business transactions and services, depositing alternatives are
greatly needed, so is the desire for speedy availability of those
funds in a convenient environment. The cost and time associated
with processing and depositing paper checks manually decreases
productivity and financial expenditures and labor spending levels.
Small, medium, and large Businesses would increase office
productivity as well as save money in labor, and clear checks
quicker by excluding the use of manual check processors (to deposit
and scan checks for payment and/or deposit) and save time and money
manually or processing a check deposit for individual customers
and/or businesses banking at the branch(es) and at check processing
centers, check cashing centers, and brokerage firms. Individual
consumers will save money in check processing fees and be
encouraged to start and/or grow a banking relationship should an
alternative method of banking be made available to them at a lower
cost, and without the inconvenience of waiting in line to deposit
at the branch or ATM, then waiting again for the funds to clear the
bank. Should a new capability be developed where a computer system
can wirelessly scan and wirelessly deliver the check image to a
wireless network (such as this invention), that is linked to an
online access point where the user/depositor can set preferences
for online check deposit request, and be serviced online (in a
virtual teller environment--such as this invention), where the
endorsed check image delivered is verified and deposited in a
secure manner (processed as an EFT--electronic funds transfer, to
expedite processing time frame for check deposit)--there will be
less room for manual error, and longer than necessary waiting time
frames for deposit of check, and release of funds, in addition to
excluding the need for travel time for those wishing to deposit, or
rely on obtaining funds immediately.
[0008] Online banking is an increasing market, where users are now
capable of going online to view their checking and savings account,
transfer funds, and set up payment schedules online. However, their
banking options are limited, which give users less power to get
things done without the need of going to a branch or visiting an
ATM machine, when they'd rather spend lunch eating, and spend their
weekends at home with the family and loved ones.
[0009] Allowing deposit and cashing of checks online through
Wireless scanning (WEDS) and wireless navigation (OMS) enables the
user to finally take control over their finances. With this
invention, users are now able to perform the task of scanning a
check for online deposit in a wireless environment. The user may
now wirelessly scan the endorsed check image, which is wirelessly
delivered (WEDS) to a wireless network, which is linked to a main
access point for the user to navigate commands online (the Account
Management System or OMS). There is no longer a need for a serial
cable or any other wire cable connection in order for the endorsed
check image to be transmitted and delivered. This greatens the user
with the ability to bank with mobility; to bank while in transit.
Users once unable to transmit endorsed check image without computer
connectivity port accessibility, are now able to exercise the
option of use through USB cable, firewire cable, and (most
important and convenient) Through Wireless Transmission of data
(endorsed check image) for delivery, receipt and processing; in
addition to the OMS providing the capability of
paper/substitute-check cashing and money order cashing through a
secured connection and picture capture of live web cam image of the
user once user is logged onto his/her account on the OMS.
[0010] Although electronic financial transactions are commonly
operated and maintained by giving the average banker power over
their money, both businesses and individual banking
customers/clients have limited power due to the limited online
banking options available to the online banking user. In a survey
conducted by International Data Corporation (IDC), 42% of users
found processing transactions in the online banking world not very
useful, or user friendly. Banks and financial institutions
ultimately destroy banking/financial relationships because the
customer is limited to the online banking transactions he or she
can accomplish, due to a lack of diversified banking solutions and
limited web-based solutions offered to the user in a "user
friendly" atmosphere-one of the many harvests (or fruits) brought
to the world are new, innovative technological advancements and
evolutions are going from non-dial up options, to cable modem
options, to broadband, to wireless fidelity (Wi-Fi) options to
expand user Internet capabilities. Because of the wireless wave of
technology, consumers are now able to accomplish more on their
laptops and wireless devices (ie. mobile and pda devices)--faster,
and more efficient than ever. Being able to deposit a check through
the home and office provide the online user with advanced options,
but having to connect to a computer (ie. Pc and/or mac
compatibility) in order to accomplish the initial task of scanning
ties the user to one particular spot in order to begin the process,
ultimately excluding their options of mobile banking. There are
over 5 million Wireless Banking Consumers in the U.S, and 48
million in Europe; which will increase to 79 million by the end of
2004. As a result, users' are seeking expanded banking solution
options, to cater to the freedom of Mobile Life Productivity while
in transit. The benefit of this invention (wireless electronic
check deposit scanning machine with web-based computer application
[controller] system) will enhance which enhance the quality of
service that banks can provide to their customers and offer to
prospective and new customers. Once people realize that their user
power has increased, and their finances can be watched, controlled,
and initiated at any time by the push of a button, Wireless banking
will increase for corporations and individual banking consumers all
across the world.
[0011] This invention allows bankers all across the continent to
lessen their labor expenditures and manual operating costs, while
increasing service options to their customers. Banking productivity
will increase due to less paper processing. With the new Law, Check
21 century act (as of October 2004), substitute checks will allow
banks to decrease paper trails, by allowing substitutes of the
checks to be accepted. This invention will allow users and the
banking industry to quickly adapt and make a comfortable transition
using this tool as a "banker's handyman".
[0012] In the world of business, checks--be it paper or substitute
will always be used, be it a businesses way of compensating a per
project seasonal worker or contractor, brokerage firm using a check
for account owner request of funds, or compensating temporary
workers (ie. Payroll checks) Financial institutions will have the
need to use checks as a source of compensation for services, and
Check Processing Centers will be there to record, document, and
process checks. Collection agencies and Insurance companies seek
immediate compensation for debts and cost of services in the form
of checks. These type of transactions exist all over the United
States and overseas--which increases the need for a higher more
advanced, time efficient and effective tool. A tool that would
allow one to wirelessly scan and wirelessly transmit the endorsed
paper and/or substitute check image (using the WEDS tool and OMS
system), so that payments can be processed and deposited at a
faster rate, without enduring the growing number and need of labor
(previously needed and required) to individually process and
deposit individual and bulk checks by hand. In addition, this
serves as a great tool for individual user's who haven't the time
or transportation to wait in line at a branch or ATM to make check
deposits, then wait longer for the time frame for the funds to be
available. The WEDS machine with OMS web-based cash management
computer application system will change the way online banking
business is done, by diversifying user capabilities and options of
online banking, based on the user need of productivity and mobility
by wirelessly transmitting paper check images, substitute checks,
and/or money orders for cashing or depositing purposes (through
WEDS--Wireless Electronic Check Deposit Scanning and Cashing
Machine), and providing on that same user system as a user platform
for online, wireless navigation options and online banking
processing of commands and requests (using OMS--Web-based Online
account cash Management computer application System).
[0013] For general reference on online banking and online banking
options, see for instance http://www.bankofamerica.com/online,
Article: ZDNet: Internet banking proves popular Down Under (Source:
Jupiter Research) "Europeans trust online banking services".
[0014] For general reference on mobile banking, see for instance
Http://www.nu.ie/surveys, Article: "European mobile phone users say
yes to 3G" (Source: Taylor Nelson Sofres).
[0015] For general reference on electronic payment, "Electronic
Payment Systems", by Donald O'Mahony, Michael Piercem and Hitesh
Tewari, Artech House, Boston 1997.
[0016] For general reference on wireless banking and wireless
banking options, see for instance http://www.celent.com, Article:
"users of Wireless Financial Services" (Source: Celent
communications), and http://www.google.com, keyword: wireless
banking.
[0017] For general reference on Check 21 Century Act (permitting
use of substitute checks), effective, October 2004, see for
instance http://www.epaynews, Article "FDIC Advises Banks to
Prepare for Check 21 Act" (Source: Information Week), and
http://epaynews.com, Article: Banks Can Use Check 21 to Regain
Payments" (Source: Yahoo! News).
[0018] For general reference on Check truncation Act of 2003
(receiving check images instead of paper checks), see for instance
http://www.bankrate.com Article: "Your canceled check is in the
trash" (Source: BankRate).
[0019] Problems to be Solved
[0020] In order to deposit a check from an office computer, home
computer, laptop, (Internet enabled) mobile device, (Internet
enabled) pda (personal digital assistant), or nay other Internet
enabled device (while in transit) the endorsed check image must be
scanned and wirelessly transmitted to the wireless network it is
linked to (in a secure manner), that is linked to a main access
point where users can navigate and set preferences for
commands.
[0021] During this process of image recognition and wireless
endorsed check data transmission, delivery to wireless network, and
linking to main access point, several security factors may arise.
Security factors such as site security, transmission of data
security, user identity security are recognized as main
concerns.
[0022] The main problems to be solved can be formulated as
follows:
[0023] 1. Secure wireless transformation of ordinary
(personal/business) paper and/or substitute checks into endorsed
digital format and secure transmission delivered from the wireless
computer network, linked to the main access point (online account
management system) to process check verification, and request to
deposit of funds online (electronically) into user/depositor
account. Wireless endorsed check scanning device will be linked to
the wireless network, using TCP/IP, AppleTalk. IPX/SPX or a
comparable language tool will be used to enable the wireless check
scanner device to wirelessly communicate with the computer network
for receipt and delivery to the OMS (for processing). The endorsed
check image will be encrypted during transmission of data, and only
retrievable once delivered from the computer network to the main
access point, which is authorized and accessible only through the
secure site (online account management system) where user must log
in to view, verify, and complete request for online check deposit
transaction.
[0024] 2. Multiple deposit (ie. fraudulent activity) of the same
check (without prior written consent by check owner for payment
schedule authorization) should be an extremely difficult task or
execution. The online account management system will monitor, and
log every check image received, requested for deposit, and
transaction cleared for deposit. OMS will have a preinstalled
tracking system, which will recognize similar deposit requests and
transactions that are requested, to prevent fraud.
[0025] The data from the image received and transmitted requires a
variety of specified details (user login) to be recognized,
confirmed, and verified (through the bank)--to the level where it
is difficult to make unauthorized online check deposit checks that
do not meet the verification, and have not been authorized by OMS
through authentic bank verification test.
[0026] During the transmission, the data is encrypted, and
wirelessly sent from a computer network to a secure site (OMS) to
where it is then delivered and accessible to user/depositor through
log in prompt which allows access to their online account where the
check information is then verified by the user/depositor (check
amount, check date, check routing number, checking account number,
bank on check) where the OMS gains permission to move the money
(for the check amount listed) from the check owner's bank account,
deposited into the user/depositor checking bank account (through
the Federal Reserve, and/or bank authorization)--which appears in
user/depositor's checking account as a wireless/electronic transfer
(to expedite deposit processing time frame).
[0027] In relation to the security industry, difficult task,
meaning the cost and time consumption of surpassing or defeating
the system would extend far past the benefit.
[0028] Cashing, and/or depositing of money orders and/or checks
online through the use of the OMS (through immediate
EFT--electronic funds transfer) is unavailable to unregistered
Software Device System users. Users must be registered for WEDS (in
order to send and deliver image to main access point and WEDS
computer network) through online OMS (for actual processing of
request to cash and/or deposit money order or check), and must log
onto OMS system network before scanning and/or faxing the paper
check/substitute check/money order for immediate funds availability
cashing, and must be connected to a live webcam, in order for OMS
to accept request and begin processing and capture image of user
(equivalent to picture taking conducted at a check cashing center).
In order for immediate funds to be available for EFT (equivalent to
check cashing, because funds will be transferred and made available
immediately) user must process the entire transaction in front of
the live cam, so the system can recognize and document the user,
before request is processed and funds are made available to
user.--OMS will have a detector that will verify that user is
connected to and using a live webcam, in addition to 24-hour
network security monitoring the system.
SUMMARY OF THE INVENTION
[0029] Wireless Electronic Check Deposit Scanning and Cashing
Machine (also known and referred to as WEDS) with web-based
computer application cash management software System (known and
referred to as OMS; virtual teller), enables endorsed paper and/or
substitute checks and money orders to be deposited as well as
cashed and made available through an EFT (electronic funds
transfer). Images are to be wirelessly scanned and delivered from
the Wireless electronic check deposit scanning machine and/or
through a unique fax number which is linked to the computer
network--is wirelessly delivered to a wireless computer network
(which serves as a access point for delivery to the OMS), where it
is delivered to the OMS for receipt of image(s), delivery to
user/depositors casher's account for processing (user faxes paper
check, money order, substitute check for OMS account image delivery
for check cashing and/or deposit processing--may or may not require
web cam "live request" for user to be able to process request to
deposit and/or cash check--thru OMS wire funds/electronic funds
transfer on user OMS account) and controlled through the OMS-online
account management system, where the user is able to view,
navigate, and process requests to deposit and cash checks (paper
checks and/or substitute checks) and money orders online (through
the web-based computer application software controlling
system--OMS). It enables Endorsed check images to be wirelessly
scanned and delivered to a computer network which is linked to the
main access point (OMS), where funds (for the amount for the
check/money order) are moved from the check owners bank checking
account, and deposited (electronically) into the user/depositor's
account. Where the OMS (online account management system) acts as
teller, by Either: 1a) obtaining verification from the Federal
Reserve Bank to move funds from one location (check owner's bank
account) to another location (into user/depositor's bank checking
account) as an electronic funds transfer (EFT) transaction; 1b)
verifying authenticity of money order with place of purchase and/or
post office system and/of financial institution; 2) Moving funds
from one location to the other (from check owner's banking account,
to user/depositor's account, for the amount of the check) through
bank authorization (or in the case of money order verifying
authenticity and validity of money order in government money order
documentation system during processing in order to make funds
available to user cashing the money order). This transaction once
complete will reflect as an electronic/wire transfer (EFT), where
the funds are electronically deposited (through a wire) into the
user/depositor's checking account, to expedite the check processing
(or check cashing/money order cashing) time frame (eliminating time
once required to be spent at the banking branch and check cashing
centers; decreasing check posting and check depositing time frame,
and excluding the need of a connectivity serial port, and replacing
it with a device that will enable wireless check scanning of the
endorsed check image--in addition to eliminating check cashing
fees). The machine's computer network receives notification of
wireless scan image, which is delivered to the web based program,
that records on the system, and electronically notifies and
verifies data with Either: 1) Federal Reserve Bank (--in order to
act as a liaison to gain permission to move funds from one account
to another, in an EFT transaction processing format/environment) or
payor and payee's banks through OMS (or in the case of money order,
verifying with money order documentation system to verify that
serial tracking number on money order is valid and matches the
dollar amount and date on the money order, in addition to place and
time of purchase) to confirm funds to make to transfer funds from
one account to the other; or 2) verified with check owner's (and
user/depositor's) bank. Once verified, the online account
management system (that is linked to the computer network and
recognizes, identifies, and delivers check image from computer
network [once received wirelessly from the device]) confirms and
records communication with the bank, and deposits funds into
user's/depositor's account. The online account management system's
web-based (which is a cash management solution for the online
banking customer--individual and/or business) application software
acts as a virtual teller (with the option for online live teller
assistance) which wirelessly receives the endorsed check image sent
from the computer network (which in turn received it wirelessly
from the wireless electronic check deposit scanning machine into
the computer network) where it is linked and delivered to the OMS
user account queue/inbox of new images in order to allow user to
verify check data, before the OMS begins processing consisting of
verification and transfer funds, along with notifications, and
system/transaction monitoring, etc. The request for online check
deposit cannot begin (nor can the image be viewed), until the
user/depositor has logged onto the online account management
system, and has initiated commands (i.e. for deposit, and/or delay
of deposit--for post dated checks, notifications and alters, change
of password, change of user/depositor banking information, setting
user preferences, etc.). All parties are given the option to be
notified of transactions, in addition to attempted transaction
notification via email or through messages delivered to their
desktop, laptop computer, mobile phone, and/or any device with
Internet capabilities. In addition, parties are able to control the
processing status and/or control upon delivery of their wireless
check scan image to their web based (online) account (OMS account),
for check image storing purposes, deposit purposes, delayed and/or
specified deposit dates requests, setting user preferences and
alterations, (optional) printing of image purpose, image forwarding
(via email, or fax), etc. With this invention, user does not have
to be "tied down" to desktop computer, and no longer has to be
bound to a serial cable to have endorsed check images sent to their
online account (OMS). User can work offline by transferring data
images to software database installed on their computer (for
advance hard copies--through login onto software installed on
computer/mobile/pda device), and transfer online for processing (at
user's convenience--using a USB cable, or firewire cable for
advanced transmittal operation). Most importantly, user can work
online without the need of being at a desktop/laptop computer to
transfer the endorsed check image, and submit requests and log on
to process online check deposits. Through this invention, the user
is able to wirelessly transfer and deposit endorsed check images
through this device without the need of connecting to another unit;
enabling the user to navigate through a mobile phone, personal
digital assistant (pda), and/or any other Internet enabled device
and/or wireless environment, using this method of wireless data
transmission and navigation.
[0030] Wireless check scan, transmission, delivery, and processing
of document image for OMS processing may or may not confirm with
the check owner's bank and deposits funds into the
user's/depositor's account. The online account management system
acts as a virtual teller which wirelessly receives the check image,
verifies check information with depositor, and initiates (optional)
communication with the Federal Reserve Bank to gain authorization
to move available funds from the check owner's bank account into
the user's/depositor's bank account--which will act as an
electronic funds transfer (to expedite processing timing).
BRIEF DESCRIPTION OF THE DRAWINGS
[0031] The foregoing and other objects, aspects and advantages will
be better understood from the following detailed description of a
preferred embodiment of the invention with reference to drawing, in
which:
[0032] FIG. 1 is a representation of scanner, showing both the
front and back of the Wireless Electronic Check Deposit Scanning
and Cashing Machine device;
[0033] FIG. 2 shows an alternative (version) front and back view of
the Wireless Electronic Check Deposit Scanning and Cashing Machine
device;
[0034] FIGS. 3-A and B. shows front and back view of a paper check,
and/or paper check image and how it would appear in the system;
[0035] FIGS. 4.-A and B shows the print options, where check owner
sensitive data is blocked and unreadable during the print option
feature, and/or any security feature, which causes the need for
sensitive check information to be unreadable;
[0036] FIGS. 5.-A and B are flow charts which shows the wireless
transmission of data concept, along with the cycle process of data
delivery and communication scan--from wireless delivery to receipt
for check image (online check/money order deposit) processing;
[0037] FIG. 6 shows wireless transmittal connection (two device
operational variations) in connection and addition to wireless
connection signal being received (delivered and connected) onto the
wireless computer network, which is linked to the OMS for
user/depositor transaction and request processing;
[0038] FIGS. 7-A and B shows the protective image slide security
feature option for online pre-installed on the software
program;
[0039] FIG. 8 displays the process of wireless transmittal signal,
where the endorsed check image is wirelessly scanned and delivered
to the (wireless) computer network, which is linked to the Online
account Management System, which is viewable and operable through
any Internet capable device--figure reflecting various ways the
endorsed check image can be viewed through the OMS;
[0040] FIG. 9 shows the representation of the infrastructure
containing wireless check scanner which is linked for joint
operation ((a) Wireless Electronic Check Deposit Scanning and
Cashing Machine (WEDS) and (b) web based computer application
controller system=joint operation) with web-based OMS (online
account management system) through wireless data transmission into
wireless computer network, linked and delivered to the OMS, data
and command exchange through wireless navigation (ie. web based
application program), transfer of funds into user/depositor bank
checking account;
[0041] FIG. 10 displays the software installation process and
concept available for installation on pc, laptop, pda, mobile
device/mobile phone, and any other Internet enabled device;
[0042] FIG. 11 reflects the fax option, which provides the user
with a unique fax number where the check/money image is sent to,
wherein the fax number that carries the image is connected/linked
to the computer network that (WEDS) that delivers the image to the
OMS for processing;
[0043] FIG. 12 shows the adjustable clamp connectivity option for
offline scanning through mobile phone (future deposit option);
[0044] FIG. 13 displays the representation of the infrastructure
containing clearing and cashing and/or deposit of funds
authorization process options (through OMS), through wireless
transmittal of endorsed check image, along with authorization of
funds options/alternatives--Opti- on 1. Verifying of funds with
Federal Reserve Bank for funds transfer, Option 2. Verifying of
funds to check owner's bank authorization to verify and
transfer/wire funds into user/depositor checking account as an
electronic funds transfer (EFT), Option 3 (in the case of money
orders and checks to be cashed)--Verifying with money order US
Postal Service money order database, and check cashing center
systems database that check hasn't been cashed before continuing
processing for check cashing, and notifying money order system
and/or check cashing center system of checks cashed through the
OMS, to prevent fraud and future attempts to cash the same
check/multiple checks; also reflects recognition, receipt and
verification of fax document image being received through WEDS and
processed through OMS for verification and deposit of funds.
[0045] FIG. 14. Displays the front, side and rear view of heavy
duty version of the WEDS (with feeder that opens for multiple
scans), for higher amount of image reading and processing; Front
view showing check before and after it has been scanned through the
device and transmitted through WEDS, command buttons; Side view
shows the feeding and scanning process from feeding to actual point
of delivery sending through the device; Rear view shows the ports
and switch identifier options to designate scan to specified bank
area, predetermined by user on OMS account system.
[0046] FIG. 15. Shows portable view of wireless device in smaller
frame, reflects extendable antenna, Front view showing window
opening option with magnetic strip and swipe head reader (for
multiple simultaneous use); Processing view shows starting point to
feed check(s) (and/or money order(s)) through for imaging and
transmittal, shows attachable, extendable holder that feeds checks
into device (as alternative insert into device option); Rear view
showing automatic backup, multi bank identifier options (A
indicating first bank account, B for second bank account, and C for
third bank account).
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS OF THE
INVENTION
[0047] The present invention builds on a pair of technologies that
we briefly discuss here. They are (1) a secure cryptographed,
encrypted wireless check deposit scanning and cashing machine for
image verification and data transmittal to a secure wireless
network (WEDS) (2) where data is securely retrieved, verified,
processed, through online navigation and setting of user specified
commands (OMS).
[0048] It is therefore an object of the present invention to
provide and apparatus an method that allow to deposit
ordinary/paper checks FIG. 3A, FIG. 3B, show the front and rear
view of an ordinary check (personal, business check); 44 check
owner's name and address, 43, date of check and check number, 45
check owner's bank name and address, (ie. personal and business,
money orders) to be scanned, wirelessly and securely delivered to
an online management system (received through the computer network)
to receives and verify endorsed check image for processing. 46
showing routing number and check account number; 47 check owner's
signature, check 48 check depositor's endorsement area to sign
before check scanned image can be accepted, 49 Federal reserve bank
stamp of validity along with their preprinted stipulations and
rules found on every cashable check. Once the user has logged onto
the system (OMS), the endorsed check image is viewable and
processing request is available. through the OMS. FIG. 6, 58,
showing the wireless signal of data received in order to deliver it
to the network for OMS processing. 59, showing the wireless
delivery onto the network into 60 the OMS as a final destination
for processing and user navigation. The data can be Wirelessly
transmitted from the wireless electronic check deposit scanning
machine from home computer, office desktop, laptop, pda, Internet
enabled mobile device, or Internet capable device while solving the
above mentioned problems. FIG. 13 shows the representation of
infrastructure containing clearing and deposit of funds
authorization process and options through the OMS; 100 representing
the transfer of data using WEDS (for receipt and delivery of check,
substitute check, and/or money order image) being delivered to
wirelessly to wireless network so OMS may act as virtual teller, to
receive, store, and process check and/or money order image requests
for deposit and/or cashing; 98 OMS processing for storing and
recording images, to process data images for deposit and/or check
cashing requests; data stored and copied to database systems (i.e.
OMS database and user database as OMS account transaction history;
US Postal service money order database as money order cashed and/or
purchased; Check cashing database as check cashed through OMS)
processing and documentation/recordkeeping purposes--showing two
alternatives for verification upon receipt and confirmation of
check data--to either 99 contact and verify check information with
the federal reserve bank to deposit funds into user/depositor
checking account, for electronic funds transfer/wire, or to contact
the check owner's bank to deposit funds into the user/depositor
checking account for electronic funds/wire transfer; 99a reflecting
the requirement to contact the federal reserve bank for deposit of
funds and transfer of monies approval for 99c electronic funds
transfer (EFT); 99b reflecting money order verification and
documentation database (record of transaction data) for approval of
EFT; 101 showing check before scan, 102a send button, 102b infrared
beam (for printing option) 103 print image option button, 104
showing where check (and/or money order) is after scan, 105
extendable resting unit to hold larger scan amounts after scan,
106a opening where checks are delivered to after feeding and before
it rests in the extendable unit (after scan), 106b rolling prongs
that receive (by sucking in) checks after scan for quickly scan the
next check at an expedited rate, 107 void check button (to activate
voiding options, press once for void and scroll for voiding type),
108a power button, 108b enter button, 109a counter (adds total
checks scanned, calculates total cash worth of images--total check
and/or money order paper value being transmitted), 109b number pad
to verify dollar amounts, 110 feeder, 111 clear button, 112 cancel
button, 113 feeder process, 114 scanning and image capturing
process, 115 point of delivery (to extendable resting unit)
process, 116 switch to indicate bank transmittal on OMS
selection/command (all device versions have), 117 media card, 118
AC poser adapter, 119 USB ports (2), 120 firewire ports (2), 121
bank identifier options A,B, and C, 122 extendable antenna, 123
magnetic strip and swipe header (which all device versions have),
124 window opening to scan larger amount of checks simultaneously,
125 power button, 126 scan button, 127 cancel button, 128a status
button, 128b infrared beam (for printing, etc.) 129 void check
(feature) button, 130 swipe head reader, 131 start area (to begin
feeding of check(s) and or money order(s)) for transmittal--where
feeder of check(s)/money order(s) is placed to begin, 132 window
opening for (multiple) simultaneous scan, 133 attachable,
expandable holder that feeds checks into device (interchangeable to
be attached on either side of the device) and/or feeds checks, 134
attachment clip connectivity area that connects 133 to device, 135
scanning direction for transmittal (open or closed window--open
window for multiple simultaneous scans, and closed window area for
single or few scans, 136 internal swipe head reader (on all device
versions), 137 automatic backup area, 138, bank selector switch
indicator, 139 AC Power Adapter, 140 USB ports (2), 141 firewire
ports (2), 142 multi bank identifier options A,B, and C (pre
registered and determined through OMS user account login and
specification of account number and destination requests).
[0049] According to the invention, the Wireless Electronic Check
Deposit Scanning and Cashing Machine (WEDS) And web-based Online
account cash Management computer application(OMS) System allows
users the ability to deposit and cash both personal and business
(paper/substitute) checks and/or money orders through the Internet,
using a desktop computer, laptop computer, personal digital
assistant (also known as a pda device), mobile phone, or any Wi-Fi
Wireless Fidelity (known as Wi-Fi), and/or Bluetooth enabled device
FIG. 8 showing 77 wireless connection and communication
representation from device onto wireless network (vice versa); 70A
showing two optional device designs, 70Bm showing delivery signal
from wirelessly scanned and delivered (front/back) endorsed check
image, 71 OMS infrastructure serving as main access point for
user--where 72 mobile phone (Internet capability), 73 fax machine,
74 pda with Internet capability, 75 laptop, 76 computer--Reflecting
Five options for user navigation and delivery of endorsed check
images for processing. FIG. 1A, FIG. 1B showing a wireless
electronic check scanning device; 1 is the optional retractable
antenna (to increase wireless signal capabilities); 2 and 10 being
a side crease fold-in option (with button), that allows greater
mobility of the device, by decreasing it's size; 3 and 16 being the
powerlight; 4, 6, and 8 being the data connection unit to allow
hardware to deliver the data while working offline; 5 being the
status light to inform user of check image data transfers
successful and in progress, with built in cancel, save, and void
button; 7 being where the check scanning begins; 9 and 13 the
opening of where check can be inserted and scanned. 11, and 12, 14,
15 being the bottom and top blade cutters (incision makers)--from
raised cutters, to top crisscross cutters, to raised bottom
cutters--to make proper incisions into the paper as an option
during the check voiding process; 17 being cutter area resting
location where cutters lay flat to not interfere with check
scanning process when cutting feature/option is not in effect; 18
USB ports, 19 firewire connection port, 20 and 26 secure layer to
separate cutters from port locations; 21 (pc) serial port B, 22
cell phone and pda serial cable connectivity port; 23 back up power
port to insert power cable into; 24 button that initiates lifting
and activation of cutter/incision process. 25 (pc) secure cable
port A; 27 starting point opening where check is inserted to begin
the scanning process. FIG. 2 shows an alternative view option of
the device, 29 and 32 being the opening slit to slide check through
for image scan; 30 for infrared beam option (to beam scanned image
onto printer, also allowing device to beam/transfer to another
Bluetooth, 802.11 (wireless fidelity) enabled device (ie. mobile
device, pda device, printer) for viewing, printing, forwarding,
etc. purposes; 31 power status light to inform of transmission
status--green light for successful transmissions, red light for
unsuccessful transmission, amber light for reading error, 32
extendable antenna that allows the device to reach and connect with
nearby wi-fi locations, Provides increased signal access for
wireless transmission and connection to the computer network for
OMS receipt and user processing, 33 send button that commands the
scanned image to be (wirelessly) transmitted to the computer
network for OMS processing, 34 media storage slot (for media card.
ie. smart media card to store images onto, in addition to back up
pre installation feature), 35 store button that commands the device
to continue to temporarily keep the scanned image and deliver it to
the media card being inserted into the media storage slot, 36 media
storage ejector button which ejects the media storage card, 37 4-8
hour rechargeable battery opening area, 38 internal battery
area/section, 39 is the power chord connectivity port, 40 being the
pda connectivity slot, 41 firewire ports, 42 USB ports. Measurement
options 61/2"-7" long; 31/2"-4" high; 1/2"-3" wide (adjustable
length and height). Light weight 1/2 pound-2 pounds.
[0050] According to the invention, a System is created where once
check transmitted to bank for deposit has processed, the OMS
virtually voids the check (through documenting the check data in
the system) to prevent future deposits of the same check. The
physical check is to be destroyed by the depositor/user. In
addition, check owner's bank has the option to cancel the
check/mark the check paid upon withdrawal of funds for check
amount, and notification from the OMS that the transaction has been
processed/the check has been cashed for deposit by user/depositor,
to prevent future unauthorized use of the same check, and/or any
type of fraudulent acts (An exception to not allowing the same
check to be used, is when check owner has pre-authorized--in
writing that the check may be referenced for regular deposits, as
an electronic transfer of funds from check owner's into the
user/depositors. This makes online check deposit less time
consuming, and allows the user to use the same check image for
future payments, for the dollar amount, and date check owner has
agreed upon).
[0051] According to the invention, a unique wireless electronic
check cashing and depositing scanner is used to scan and deliver
endorsed check images to be wirelessly transmitted to a computer
network that is linked to the OMS for processing. The image of the
endorsed check is encrypted during transmittal for receipt of the
image to the wireless computer network, to be linked to the OMS for
processing. Before the image is transmitted, it goes through an
(optional) coded conversion process, where a coded protective plate
is chosen at random, to distort the view or image of the check.
Once the transmittal is received, the bank releases the
programmable code protective plate by 1. entering a security code
to release the plate from the check, making it visible. 2. device
software installed at the bank, where the system recognizes the
program's unique protective plate patterns, and automatically
extracts the plate that distorts the image, to make the image
recognizably readable and visible. The code protective plates
distort the image received, and release the plate through image
extraction of the plate, to allow image to be visible--which are
shown in FIG. 7A, and FIG. 7B; which 61, 62, 63, 64, 65, 66,67, 68
shows protective image III, a slate that covers check information
through unique design cover that blocks visibility of the scanned
check image; 69 showing the same as the above 61-67 mentioned with
the inclusion of barcode appearance; 64 shows the same as the above
mentioned 61-68 with the inclusion of number and character scramble
combination; 66 showing the same as the above mentioned 61-68 with
the inclusion of background static appearance to make the check
image unrecognizable. This is programmed into the software program
and is a vital part of the security foundation of this invention,
upon endorsed check scanning and wireless transmittal and delivery
of the check is processed so through virtually partitioning the
digitized version of the check into a plurality of regions, which
may be in stripes, zones, and/or designated areas (decided upon by
the bank) is an added feature option. Each region is extracted and
encrypted before transmittal to the bank. Upon receipt of the check
from the bank, designated areas of selected regions are voided. The
check image, once recognized, is submitted into verifying system,
which is accepted, validated, and processed through the bank, data
is sent through a secure site and system that receives, recognizes,
delivers, receives verification of data and initiates deposit
confirmation and approval. FIG. 4A, FIG. 4B shows the data
sensitive check data image (front and back) that is unreadable
during data transfer, shows the image data block, that makes check
owner data unreadable, and un-viewable during request to print and
forward to another party, without completion of transfer, and
without user log in; 77 is check owner data encryption, 78 is
routing number and 80 checking account number data encryption, 79
signature blocking, 81 user/depositor signature block.
[0052] According to the invention, a unique feature of WEDS through
OMS (WEDS.OMS) processing of allowing checks and money orders to be
cashed and deposited; online, wireless check cashing made available
through web cam photo capturing (of live image user), which is
required in order for request to be verified, confirmed, and
processed for immediate availability of fund (for amount of
check/money order) made available into user/depositor/casher's
account through EFT (electronic funds transfer)--also giving OMS
the option to make funds available for immediate cashing (on
checks) by borrowing monies against user's banking account (for
either amount of check, or half the amount of the check--depending
upon requirements and processes of the bank).
[0053] According to the invention, a unique scanner is used to scan
endorsed check images and wirelessly transmit the check image to
the OMS to process check deposit. Some encrypted indicia may be
printed on the check (in addition to other security features and
options listed and discussed below). Upon endorsed check scanning
and wireless transmittal and delivery of the check is processed so
through virtually partitioning the digitized version of the check
into a plurality of regions, which may be in stripes, zones, and/or
designated areas (decided upon by the bank) is an added feature
option. Each region is extracted and encrypted before transmittal
to the bank. Upon receipt of the check from the bank, designated
areas of selected regions are voided. The check image, once
recognized, is submitted into verifying system, which is accepted,
validated, and processed through the bank. Data is sent through a
secure site and system that receives, recognizes, delivers,
receives verification of data and initiates deposit confirmation
and approval.
[0054] According to the invention, the scanner has an pre-installed
security feature, where upon successful image conversion and
recognition--the scanner imprints unique ink imprints and/or unique
incision patterns into the check, to immediately void the check
before it has been released from the scanner (once check image has
been verified and received for processing). This feature is
optional (and is dependent upon user's/depositor's needs).
[0055] According to the invention, the option for adjustable clam
connectivity feature, where the check image can be copied onto
mobile device and/or pda device while working offline, and/or for
future deposits (due to the Check 21 Act, banking consumers are
less likely to be able to post date a check due to electronic
processing, but the OMS allows user receipt of check images using
WEDS for post dated check cashing and deposit options, so checks
can be written for a future date, pre-stored on user's OMS account,
and set by user to command OMS to process request for deposit on
user specified date). FIG. 12 shows adjustable clamp connectivity
option--90 is the clamp that is adjustable to the size of the
mobile/pda unit, 91 USB connectivity port, 92 power button, 93 cell
phone connectivity port to transfer data from clamp option unit
onto mobile/pda device, 94 showing the mobile/pda unit capability
to connect and transfer the image, 95 showing the opening where the
check can be scanned through, 96 showing check capability to be
scanned through the adjustable clamp connectivity option
[0056] According to the invention, factor in security feature of
this invention are the pre-installed(thin very sharp) blade option
feature that cut the check into threes using a multitude of cutting
or shredding processes. Cross-cut feature where blades cut from
left to right (located internally in the center of the
device--which lay flat and raise up during cut feature option
selection), from right to left, and up and down (located at the
bottom of the device--which lays flat and rises upward once the cut
or incision feature has been selected to be executed)--forming a
cut pattern that ultimately destroys the physical check; straight
horizontal cut feature and straight vertical cut where the light,
thin, sharp blade cuts from top to bottom and from bottom to top
simultaneously as it successfully scans.
[0057] According to the invention, the secure cryptography
generator is pre-installed in the user device; which enables the
digitized version to be securely transmitted wirelessly and sent to
the (wireless) computer system network, which is linked and
delivered through a secure site (web-based online account
management application program controller system), and processed
for deposit. Once the bank receives and converts the wirelessly
transmitted data into a readable format through a translation
software system, also referred to as the online account management
system (which may also be referred to as OMS) (delivered through an
encrypted processing format) the check information is verified, and
the user request to deposit is received and information confirmed.
Once approved for deposit, the bank system records the check data
received in the encrypted check image (and sends notification to
online account management system) to deposit the funds into the
depositpr's account (whcih acts as a wireless transfer for
immediate availability), through the online account management
system's secure site--(bank, routing number, account number, date
of check, amount of check, payor's signature, payee's signature to
endorse the check)--which is linked to the bank's system to verify
check depositor, check owner information, check amount, and user
information--from the check depositor payor and payee, to keep
record of the transaction (to immediately void out the paper check,
to prevent fraudulent deposits, while keeping endorsed check image
on file {12-48 months--which may vary depending upon user request,
and banking policies and regulations} for future reference--ie.
should check need to be re-deposited, reissued, should a
discrepancy occur)--from initial request to bank verification and
identification process, all the way to the final approval and check
deposit execution. Check image can also be stored for check owner
authorized (in writing), for re-occurring deposits, which can be
used for individual and/or business users who receive regular
payments in the same dollar amount increments on a monthly, weekly,
quarterly, etc. basis from selected users (businesses and/or
customers/clients who have a consistent payment pattern that
repeats itself). In addition, check image may be stored on the
user's online account through the web-based user's online account
management program application controller system to process the
deposit as a wire once the front and back image of the endorsed
(signed) check has been captured and recorded.
[0058] According to the invention, wireless electronic check
scanner comprised of TCP/IP, AppleTalk, or comparable language tool
to enable the wireless electronic check scanning device to
communicate with the wireless computer network, in order for check
image to be delivered to the linked OMS, and sent to user/depositor
account for processing--furthermore, allowing commands to be set
forth using a computer, mobile phone and/or any Internet enabled
device.
[0059] According to the invention, comprised of durable variations
of plastics and metals to produce the (foldable) scanner that is
foldable in certain areas of the device for increased user device
mobility options.
[0060] According to the invention, scanner furthermore comprised of
pre-installed connectivity ports (such as USB, firewire, serial
cable), antenna, power button, backup battery, rechargeable
battery, carrying case (for travel), refillable ink and blade slots
(optional), send button, preinstalled Wi-Fi/Bluetooth chip to
enable wireless capabilities (to allow device not only connectivity
to the wireless computer network, but enablement to scan the
endorsed check image wirelessly without the need for a connectivity
port or cable).
[0061] In addition, old of this invention consists of the process
of scanning, and depositing a check online (using a serial
cable).
[0062] According to the invention, newness of the invention
consisting of process of scanning and depositing an endorsed check
image online through Wireless Transmission, onto a wireless
network, that links to an OMS, where the user can log in, set
preferences, and begin processing.
[0063] According to the invention, newness of the invention
consisting of wirelessly scanning front and back image of the
endorsed check image, and delivering to a Wireless Computer
network, where user can log on to view, and navigate.
[0064] According to the invention, newness of the invention
consisting of user ability to navigate using the OMS via desktop
computer, laptop, Internet enabled mobile device, and/or any other
Internet enabled device.
[0065] According to the invention, newness of the invention
consisting of Wireless Electronic Check Deposit Scanning and
Cashing Machine (WEDS) And web-based Online account cash Management
computer application(OMS) System which is a multi functional, multi
dimensional secure, data encrypted System where WEDS allows
successful transmission of data and images through the wireless
fidelity (802.11b Bluetooth) device, and through fax image option
securely delivered to wireless computer network (through unique,
customer identified fax number that links OMS account user's fax
number to wireless network, which receives the fax image(s), and
sends to the OMS for processing) to securely receive and deliver
data to a specified access point--the OMS--which is the wireless
navigation feature of the system which allows the system to act as
a live teller, processing check deposit and cashing requests for
users online in a wireless environment--where the OMS gains
permission, verification, authorization from Federal Reserve Bank
(in the case of check deposit, check cashing), Financial
Institution (in the case of check deposits and check cashing,),
Post Office Databases and Banking Systems (in the case of money
order depositing and cashing).
[0066] According to the invention, newness of the invention
consisting of pre-installed microchip that stores data in the event
of connection error, low battery, and unsuccessful transmittal.
[0067] According to the invention, newness of the invention
consisting of online money order print option, where user can log
on to OMS account and request to purchase of money order, which
will allow user to then print out money order once it has been
printed--money order will have watermark, and special coding which
will provide as validity to the content of the money order, in
addition to the OMS automatically documenting the money order and
bank database to advise of transaction processed and serve as proof
of purchase, in addition for OMS documenting it's own system for
recordkeeping purposes.
[0068] According to the invention, newness of the invention
consisting of tracking system on the OMS, which recognizes
transactions that request similar deposit or check/money order
cashing requests, and requests for multiple deposits through the
OMS, and/or through the check cashing center Databases, and/or
through the financial institution databases--verifies the validity
of user out of state checks before processing requests.
[0069] According to the invention, newness of the invention
consisting of the ability to give OMS users the option to utilize
the service for check referencing--this will allow user to deposit
the same check every month, to cater to return customers/clients
the user may use--this service requires user authorization
signature, in addition for documentation reflecting check owner is
requesting this service as well, which reflects check owner's
signature and bank information--where OMS verifies with check
owner, and with check owner's bank that they have signed up for
service, verifying how long they want the service, and being
informed that if they need to make changes, they are to contact the
vendor which they signed up through.
[0070] According to the invention, newness of the invention
consisting of protective plates being chosen at random to distort
the view or image of the check--also the option to enter a security
code to remove the protective plate upon delivery to computer
desktop for future deposits--protective plate is feature of
software that is available to the bank to ensure security.
[0071] According to the invention, newness of the invention
consisting of the OMS feature for automatic tax preparation through
expense processing, spending and receivables itemization--system
recognizes Spending from Revenues (money being added, deposited,
accrued in interest) and provides and itemized chart and workflow
sheet, in addition to ways they can save, and traditional IRS
filing documents that may be tailored to that account--system also
includes total spending and revenue each quarter, annually, along
with total dollar amount of donations, and lists things that can be
written off, and recognizes them on user account (ie. Church
donations, business expenses, etc)--through this IRS grouping
feature--feature also gives the user to enter donations that
haven't been recorded on their bank statement (ie. Cash donations,
clothing donations, etc.); finances grouped and automatic
expenditure is processed based upon how user groups transaction
history and data provided on his/her account.
[0072] According to the invention, newness of the invention
consisting of OMS feature virtual bookkeeper, which itemizes and
keeps user abreast of personal and business transactions and
Spending throughout the year; informs user of balance status,
frequent or uncommon deposits and/or withdrawals on user's account
(fraud prevention)and alerts user when balance reaches a certain
dollar amount (set by the user), also shows user how much money
they are paying their bank for banking account services and
profiting on interest on banking/financial institution
accounts.
[0073] According to the invention, newness of the invention
consisting of the Wireless Electronic Check Deposit Scanning and
Cashing Machine (WEDS) having pre-installed wi-fi capabilities,
which is able to communicate and deliver data to a wireless
network, that is in return linked to, and able to send the data to
OMS for user/depositor/cashing request processing. FIG. 9
representation of infrastructure containing (wireless) check
scanner linked for joint operation with web-based OMS; 82, showing
wireless transmission of data from the wireless device, onto the
(wireless) computer network, 83, showing computer network being
linked to the OMS, for processing and user navigation--where in 84,
the data command exchange and wireless navigation is confirmed and
by the OMS from the check owner's bank (through bank verifying of
funds or federal reserve bank); 85 showing transfer of funds from
check owner's bank into check depositor's/user's bank account,
where the user, check owner confirmation and alert notification of
the transaction is copied and logged onto the database for
recordkeeping and secure documentation purposes. 86 showing once
the check deposit request has been processed, user has
documentation and delivery options, where the user can opt to have
images and records for that transaction saved to his/her account
(for a term of 12-24, or 12-48 months), can opt for printing of
transaction confirmation sheet, and have verification of check
deposit transaction forwarded to a user specified
area/location.
[0074] According to the invention, newness of the invention
consisting of check images ability to be stored for future deposits
(ie. in the case of post dated checks), where the system can be set
to deposit a check (or an unlimited number of checks) on a specific
date for processing--in addition to reminder cue feature option,
which reminds user/depositor of checks stored in the system that
are waiting to be deposited, reminding user/depositor of time frame
before check is no longer valid (ie. 15 days left, 20 days, 30
days, 60 days left, etc.).
[0075] According to the invention, newness of the invention
consisting of endorsed check image capability of faxing the
endorsed check to a designated phone number, which is connected to
the wireless network, to deliver the image from the phone number
that connects tot he computer network for OMS delivery, and/or
delivery from the fax machine that is sent to a specified fax
number that is connected to the computer network, and emailed to
the OMS for user delivery. FIG. 11 shows representation of
infrastructure containing fax option image delivery to wireless
network; shows 87 the fax machine connecting (wirelessly) to the
wireless computer network, which receives, confirms, and delivers
the paper check, substitute check and/or money order image to the
OMS (using WEDS), that 88 connects to the OMS and processes data
for user/depositor/casher's image delivery to user's OMS account
for processing funds availability.
[0076] According to the invention, newness of the invention
consisting of wireless electronic check deposit scanning machine
operating as a wireless transmission of data resource and the
web-based computer application controller system software it is
linked to working as a navigation tool that allow both to
intertwine together as a whole.
[0077] According to the invention, newness of the invention
consisting of the ability for check to be voided through ink prints
and/or thin blade/cutting incisions.
[0078] According to the invention, newness of the invention
consisting of USB, firewire, ports for offline backup of image
storing when wireless transmission operation not in use.
[0079] According to the invention, newness of the invention
consisting of alert notification, where both user and check owner
have the option through their bank to be notified through an alert
via email, mobile phone alert, and/or regular mail correspondence
of all online check deposit transactions, and/or attempts for that
transaction.
[0080] According to the invention, newness of the invention
consisting of the ability for OMS (online account management
system) to act as a liaison between check holder, user/depositor to
verify funds, and gain permission to move funds (for the check
and/or money order amount) from the check owner's banking account
(or in the case of money orders, deducted from the payables
database and funds of US Postal Service money order cashing and/or
deposit approval) to the user/depositor account as a
wire/electronic transfer (to expedite deposit time frame), through
authorization and confirmation with the Federal Reserve Bank, check
owner's bank, check cashing center database, and/or US Postal
Service money order database.
[0081] According to the invention, newness of the invention
consisting option where non-check documents that fit the size
capacity can be scanned and wirelessly transmitted to the computer
network, linked to the user account for document service
option.
[0082] According to the invention, newness of the invention
consisting of wireless scan that captures both front and back of
the endorsed check image.
[0083] According to the invention, newness of the invention
consisting of software program that allows wireless electronic
check deposit scanning machine to execute commands set forth by
online user/depositor (ie. receive check images through scanning
device it communicates with, and is linked to, verification of the
endorsed check image data through user log in and typed
verification input, confirm data with check owner's bank, alert
options and settings, record of transactions, and endorsed check
images and deposit info. on file, live teller option feature,
liaison capability to verify transfer and disperse of funds for
electronic deposit EFT, set language capacity--English, Spanish,
Greek, Chinese, Japanese. FIG. 10 shows an example of computer
program installation process; area "A" of the diagram is 1st screen
that sets user preferences (ie. language, file type selection for
images to be sent and viewed in, selecting where the data is sent,
stored, and scanned), area "B" of the diagram is 2nd screen that
copies, installs and saves program onto computer system (ie. save
option onto user Internet enabled mobile device, Internet enabled
pda device, desktop, laptop, and/or any other Internet enabled
hardware device; area "C" of the diagram is registration screen,
where user registers his/her hardware (using the serial number to
link the user to an account set up for future log ins), technical
support option, updates to email option, account set up with user
personal (verifiable) data, in order to set up the account for use
of the device. Upon successful installation, user sees icon in
their startup menu, and on their desktop/home screen. Upon
successful (online) registration, user receives verification
email.
[0084] According to the invention, newness of the invention
consisting of system setting user log in and preference setting
capabilities, along with user levels of security and system and
account notifications scheduling via email, text messaging.
[0085] According to the invention, newness of the invention
consisting of verification and documentation of product
registration.
[0086] According to the invention, newness of the invention
consisting of detection and transfer of images securely while
offline, where image is stored, but inactive for processing, until
user manually links the data to his/her account (OMS).
[0087] According to the invention, newness of the invention
consisting of OMS system communication (option) with banks to gain
authorization to verify and remove funds for check amount from
check owner's account, into user/depositor's checking account. FIG.
5A, FIG. 5B shows the data transmission concept Cycle (through the
use of diagrams and arrows--indicating a cycle); 56 shows the
physical check sliding through the device, 57 which ultimately
reflects on the computer system (ie. desktop, laptop, Internet
enabled mobile device/pda) operable for user through the OMS; FIG.
5B, A shows device, 5B, B shows scanning of device, FIG. 5B, C
shows the image wirelessly transmitted, recognized, and delivered
to the user computer for view, verification, and processing; FIG.
5B, D shows receipt of image and transfer of data onto user's
account. FIG. 5B, E shows check deposit request. FIG. 5B, F shows
payee's financial institution approval of deposit, FIG. 5B, G shows
complete transaction verified and confirmed, FIG. 5B, H shows
immediate void option being executed after pre-programming for
operation of that feature.
[0088] The motivation of my invention was to allow secure deposit
and cashing of paper checks, substitute checks and or money orders
in a secure wireless, online environment from home (using wireless
fidelity technology, wireless networking technology, web-cam
technology, Bluetooth 802.11 technology, Intel technology), office
(such as, through desktop internet enabled computer and/or through
fax--delivered to WEDS for OMS processing), cell phone, pda device,
or any internet capable device to provide users with the freedom
and mobility of expanded online banking options; however, the
invention is applicable to the prevention of fraud in a variety of
commercial paper and documents. Thus, while the invention has been
described in terms of preferred embodiments, those skilled in the
art will recognize that the invention can be practiced with
modification within the spirit and scope of the appended
claims.
* * * * *
References