Transferring money using a mobile electronic device

申请公布号：US8489504(B1)

申请号：US201113080483

申请日期：2011.04.05

申请公布日期：2013.07.16

申请人：

GUPTA VIKAS;GOOGLE INC.

发明人：GUPTA VIKAS

分类号：G06Q40/00

主分类号：G06Q40/00

摘要：A check service provider enables users to make and receive payments from a financial account via a mobile electronic device, such as a smartphone or tablet computer. The device includes a check module and a camera. A user can capture an image of a check using the camera and the check module deciphers information, such as an account number, bank routing number, and information regarding the account holder, from the image of the check. The user can then make payments from and receive payments into the financial account associated with the imaged check via the check module without having the physically write or deposit a check. The check service provider interacts with the ACH to settle payments directly between the user's accounts without handling the money. Users can be notified of pending payments via text, voice, and e-mail messaging.

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