USAA grant share with mobile as a theme is 96% in Q3 2023. Grant share is based on the ratio of number of grants to total number of patents.

Recent Patents

Application: Systems and methods for mobile deposit of negotiable instruments (Patent ID: US20230222460A1)

This patent application by USAA describes a method and system for depositing a negotiable instrument using a mobile device. The abstract explains that an image of the negotiable instrument can be captured by the mobile device's camera and sent to a financial institution for deposit into the user's bank account. The image may be processed by either the mobile device or the financial institution before being sent.

The claims provide more specific details about the method and system. Claim 1 outlines the steps of the processor-implemented method, which include sending authentication information of the user to authenticate them to the financial institution's server, receiving instructions enabling the execution of a remote deposit processing component on the mobile device, confirming the user's intention to proceed with the deposit, sending the image file of the negotiable instrument to the external server, and receiving confirmation of the deposit into the account.

Claim 2 specifies that the image file can be sent via an internet connection or a wireless cellular transmission. Claim 3 states that the image file may include both sides of the negotiable instrument. Claim 4 describes a scenario where the user receives a notification of invalid financial information and sends a second image file to the external server, with confirmation of the deposit received after sending the second image.

Claims 5-8 detail various cleaning operations that can be performed on the image of the negotiable instrument, such as changing resolution, rotating, and dewarping. Claim 9 and 10 mention that the mobile device can receive confirmation of the deposit via instant messaging or email.

The second part of the patent application focuses on the mobile device itself. Claim 11 describes a mobile device with an imaging device, memory containing instructions for depositing a negotiable instrument, and a processor. The processor is responsible for executing the instructions, including sending authentication information, receiving instructions for remote deposit processing, confirming the user's intention, sending the image file, and receiving confirmation of the deposit.

Claims 12-18 mirror claims 2-8, specifying the same features for the mobile device. Finally, claims 19 and 20 reiterate that the mobile device can receive confirmation of the deposit via instant messaging or email.

In summary, this patent application by USAA describes a method and system for depositing a negotiable instrument using a mobile device. The device captures an image of the instrument, sends it to a financial institution, and receives confirmation of the deposit. Various cleaning operations can be performed on the image, and the mobile device can receive confirmation via instant messaging or email.

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