U.S. Bank was granted a patent for mobile check deposit.

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  "detected_at": "2026-09-30T17:22:01+00:00",
  "company": {
    "name": "U.S. Bank",
    "domain": "usbank.com"
  },
  "data": {
    "cpc": [
      {
        "code": "G06Q 20/0425",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      },
      {
        "code": "G06Q 20/108",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
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        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
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    ],
    "tags": [
      "Intellectual Property",
      "Research & Development",
      "Banking",
      "Mobile Applications",
      "Fraud Protection"
    ],
    "detail": "In September 2026 U.S. Bank patented a remote-deposit process for verifying checks through mobile banking apps without initially uploading check images.",
    "summary": "U.S. Bank was granted a patent for mobile check deposit.",
    "event_at": "2026-09-29",
    "inventors": [
      {
        "name": "Marlen L. Foster",
        "status": "unresolved",
        "is_primary": true
      },
      {
        "name": "Connie K. Yung",
        "status": "unresolved",
        "is_primary": false
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      {
        "name": "Vijay Narayanan",
        "status": "resolved",
        "is_primary": false,
        "linkedin_url": "https://www.linkedin.com/in/vijaynarayanan"
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      {
        "name": "Raj M. Bharadwaj",
        "status": "unresolved",
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        "name": "Soumitri Naga Kolavennu",
        "status": "unresolved",
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        "name": "Jessica G. Winberg",
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        "linkedin_url": "https://www.linkedin.com/in/jessica-gilde-winberg-34aa5a42"
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      {
        "name": "Balasubramanian Narayanan",
        "status": "unresolved",
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      {
        "name": "Hima Rama Subrahmanyam Vishnubhotla",
        "status": "unresolved",
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    "tech_area": "business methods / CRM / fintech",
    "event_kind": "grant_date",
    "grant_date": "2026-09-29",
    "source_url": "https://patents.google.com/patent/US12749053",
    "cpc_primary": {
      "code": "G06Q 20/0425",
      "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
    },
    "patent_title": "Mobile check deposit",
    "patent_number": "US12749053",
    "uspto_assignee": "U.S. Bank National Association",
    "patent_abstract": "Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.",
    "precision_class": "structural",
    "invention_explanation": "A method that sends text recognized from a check to the bank for verification first, then requests or processes the check image after approval.",
    "technologies_mentioned": [
      "mobile banking",
      "remote check deposit",
      "optical character recognition",
      "fraud verification"
    ]
  }
}

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