CheckWizard vs Top U.S. Banks - Patent Infringement Analysis

Patent Overview:

The US patent 10,140,514 relates to a method of processing and transmitting image entities using a mobile application on a device having one or more processors. The specific focus is on acquiring images (e.g., control images), constructing an image entity with associated data, and transmitting it to a server for further processing and display.

Potential Claim Mapping:

1. Method Claim: Image Acquisition and Processing

Mobile Banking Apps of several banks implement a Mobile Check Deposit feature that acquires images of checks using the device’s camera.

Patent Element: Acquiring an image using an interface to one or more cameras of the mobile device.

2. Image Construction

After acquiring the check images, the app constructs an image entity by combining the front and back images with metadata (e.g., deposit amount, and linked account details).

Patent Element: Constructing an image entity using the acquired image, one or more other images, and an image profile of the acquired image.

3. Data Transmission

The constructed image entity (check deposit request) is transmitted to the Bank’s server for verification and processing.

Patent Element: Transmitting the image entity to one or more servers to update and/or refresh the constructed image entity, making it accessible to authorized users.

Conclusion

Any mobile banking application that implements an image-based submission process for financial transactions (such as Mobile Check Deposit or document upload) may meet the elements of the patent claims. This broad infringement theory could be applied to multiple banks with slight customization for specific app features.

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