MOBILE DEVICE AND APPLICATION FOR REMOTE DEPOSIT OF CHECK IMAGES SECURELY RECEIVED FROM PAYORS
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
1 - 6 . (canceled)
7 . A mobile device implemented method comprising:
prompting a user to either take a picture of a check for remote deposit or to load a remote deposit capture (RDC) compatible check image for remote deposit;
prompting the user for authentication credentials;
loading the RDC compatible check image;
prompting the user to electronically endorse the RDC compatible check image; and
forwarding the RDC compatible check image to a financial institution for deposit.
8 . The mobile device implemented method of claim 7 wherein loading the RDC compatible check image comprises retrieving the RDC compatible check image from a server.
9 . The mobile device implemented method of claim 8 further comprising providing the authentication credentials to the server.
10 . The mobile device implemented method of claim 7 wherein loading the RDC compatible check image comprises retrieving the RDC compatible check image from a memory within the mobile device.
11 . The mobile device implemented method of claim 7 wherein loading the RDC compatible check image comprises displaying indicia of the RDC compatible check image other than the RDC compatible check image itself.
12 . The mobile device implemented method of claim 7 wherein prompting the user to electronically endorse comprises prompting the user to sign on-screen.
13 . The mobile device implemented method of claim 7 wherein prompting the user to electronically endorse comprises prompting the user to load an endorsement stamp.
14 . The mobile device implemented method of claim 7 wherein the RDC compatible check is encrypted, and the authentication credentials are used for decryption.
15 - 20 . (canceled)
21 . A mobile device implemented method comprising:
receiving an indication that a payor has created a remote deposit capture (RDC) compatible check image;
displaying a notification;
responding to a user's interaction with the notification by prompting the user for authentication credentials;
when the user is authenticated, retrieving the RDC compatible check image; and
forwarding the RDC compatible check image to a financial institution for deposit.
22 . The mobile device implemented method of claim 21 further comprising prompting a user to electronically endorse the RDC compatible check image.
23 . The mobile device implemented method of claim 21 wherein retrieving an RDC compatible check image comprises retrieving the RDC compatible check image from a server.
24 . The mobile device implemented method of claim 21 wherein retrieving an RDC compatible check image comprises loading the RDC compatible check image from the memory.
25 . The mobile device implemented method of claim 21 further comprising receiving metadata specified by the payor.
26 . The mobile device implemented method of claim 25 further comprising displaying a graphic in response to the metadata.
27 - 32 . (canceled)