Systems and methods to modify a negotiable instrument

Constanzo, Chris “Remote Check Deposit: Wells Captures a New Checking Twist”, Bank Teclmology News Article—May 2005 . www. americanbanker.com/btn_article.htrnl?id:20050502YQ50FSG>. Integrated Data, Message, and Process Recovery for Failure Masking in Web Services, Dissertation zur Erlangung des Grades des Doktors der Ingenieuiwissenschaften der NatuiWissenschaftlichTechnischen Fakultat I der Universitat des Saari andes, Saarbrucken, im Jul. 2005.

Credit Union Journal, “AFCU Averaging 80 DepositHome Transactions Per Day”, Credit Union Journal, Aug. 15, 2005.

Federal Check 21 Act, “New Check 21 Act effective Oct. 28, 2004: Bank No Longer Will Return Original Cancelled Checks,” Consumer Union’s FAQ’s and Congressional Testimony on check 21, www. consumerlaw.orglinitiativeslcontentlcheck2 1—content.htn1l. BankServ, “depositNow: What’s the difference?”, 2006, DepositNow. http1//www.bankserv.com/products/remoteddeposithtm, 2006, Bankserv.

Blue Mountain Consulting, from URL: www.bluemountainconsulting.com. Apr. 26, 2006.

Remotedepositcapture, URL: www.remotedepositcapture.com, 2006.

Onlinecheck.com/Merchant Advisors, “real-Time Check Debit”, Merchant Advisors: Retail Check Processing Check Conversion, http1//www.onlinecheck/wach/rcareal.htm, 2006.

“Compliance with Regulation CC,” http://www/federalreserve.org/ Pubsregccregcc.htm, Jan. 24, 2006, 6 pgs.

Chiang, Chuck Chiang, The Bulletin, “Remote banking offered”, Feb. 1, 2006, http://bendbulietin.com/apps/pbcs.dll/article? AI D:/20060201/BIZ0102/60201 0327&tempi.

Federal Reserve Board, “Check Clearing for the 21st Century Act,” FRB, http1//www.federalreserve.gov/paymentsystems/turncation/, 2006.

Fest, G., “Patently Unaware,” Bank Teclmology News, 412006, Retrieved from the internet at URL: http://banktec1mews.com/ article. html?id:20060403T7612618.

Bank Systems & Technology, Untitled Article, 5/ 1 12006, http:// www.banktech.com/showaiticle.jhtml? aiticleID:187003126>, pp. 1-4, Copyright 2004-2005 CMP Media, LLC.

Digital Transactions News, “An ACH-Image Proposal for Check Roils Banks and Networks”, May 26, 2006.

BankServ Press release, “BankServ Announces New Remote Deposit Product Integrated With QuickBooks”, San Francisco, Jul. 6, 2006, Remotedepositcapture.com, pp. 1-3.

Remote Deposit Capture News Article, “PNC Bank to Offer Ease of Online Deposit Service Integrated with QuickBooks to Small Businesses”, Remote Deposit Capture News Articles from 7/2412006, remotedepositcapture.com, pp. 1-2.

Dias, Danilo et al., “A Model for the Electronic Representation of Bank Checks”, Universidade de Brasilia.

“Check Fraud: A Guide to Avoiding Losses,” All Net, http:// all. netlbooks/auditlcheckfraud/security.htm, 2007.

“What is check Fraud,” National Check Fraud Center, http://www. ckfraud.org/ckfraud.html, 2007.

“Remote Deposit,” National City, http://www.nationalcity.com/ smallbusiness/cashmanagementlremotedepositldefault.asp, 2007. “Remote Deposit Capture,” Plante & Moran, http://plantemoran. comlindustries/financialinstitutions/banklresourceslcommunity+ bank+advisor/2007+sumrner+issue/remote+deposit+capture.htm, 2007.

66 >>

Virtual Bank Checks, Morebusiness.com, http://www.morebusiness.com/running_your_business/businessbitsld908484987.brc, 2007.

Canon, “ImageFormula CR-25, Improve Your Bottom Line With Front-Line Efficiencies”, 0117W117, 1207-55/25-1 OM-BSP, 2007. “It’s the easiest way to switch banks,” LNB, http://www.inbky.com/ pdf/LNBswitch-kitl0-07.pdf, 2007.

“Lesson 38—More Bank Transactions,” Turtle Soft, http://www,turtlesoft.com/goldenseal-software-manual/lesson38. htm, 2007. “Personal Finance,” PNC, http://www.pnc.con1lwebapp/unsec/ productsandservice .do? sitearea:/PNC/home/personall account+services/quick+switch/quick+switch+faqs, 2007. “Switching Made Easy,” Bank of North Georgia, http://www. bankr1orthgeorgia.com/ cmsmaster/ documents/ 286/ documents6 16 . pdf, 2007.

“Chapter 7 Payroll Programs,” Uniform staff Payroll System, http:// www2.oecn.k12.oh.us/www/ssdl/usps/usps_user_guide_005. html, 2007.

“Check 21 Solutions,” Columbia Financial International, Inc. http:// www.columbiafinanical.us/check21-solutions.htm, 2007.

“Direct Deposit”, University of Washington, http://www. washington .edu/admin/payroll/directdepo sit.html, 2007.

“Accept “Customer Not Present” Checks,” Accept Check Online, http://checksoftware.com/, 2007.

“Customer Personalized Bank Checks and Address Lables” Checks Your Way, Inc., http1//www.checksyourway.com/htm/web_pages/ faq.htm, 2007.

“Direct Deposit Application for Payroll,” Purdue, http://purdue.edu/ payroll/pdf/directdepositapplication.pdf, 2007.

“Frequently Asked Questions,” Bank of America, http://www. bankofamerica,com/deposits/checksave/index.cfm?template:1c_ faq_bymail, 2007.

“Refractive index” wikipedia, the free encyclopedia; http://en. wikipedia.org/wiki/refractivejndex .

Patterson, Scott, “USAA Deposit@Home—Another WOW moment for Net Banking”, NextCU.com, 2007.

Remotedepositcapture.com, LLC, “Remote Deposit Capture Overview,” ROC Overview, http://remotedepositcapture.com/overview/ RDC_overview.htrn, Mar. 12, 2007.

Board of Governors of the federal reserve System, “Report to Congress on the Check Clearing for the 21 st Century Act of 2003” Apr. 2007, Submitted to the Congress pursuant to section 16 of the Check Clearing for the 21 st Century Act of 2003.

Image Master, “Photo Restoration: We specialize in digital photo restration and photograp repair of family pictures”, http://www. imphotorepair.com, downloaded Apr. 2007.

“Save on ATM Fees”, Chicago Tribune, Chicago, IL., Jul. 2007. Association of German Banks, SEPA 2008: Uniform Payment Instruments for Europe, Berlin, Jul. 2007, Bundesverband deutscher banker eV.

Affinity Federal Credit Union, “Affinity announces online deposit,” Aug. 4, 2005, Affinity Federal Credit Union.

“Check 21—The check is not in the post”, RedTitan Technology 2004./http1//www.redtitan.com/check21/htm, 3 pgs7.

Haitly, Thomas, “Banks Check Out New Image”, Business First, Buffalo: Jul. 16, 2004, vol. 20, Iss 43, p. 1, 3 pages7.

Wade, Will, “Early Notes: Updating Consumers on Check 21” American Banker Aug. 10, 2004 (3 pages)7.

* cited by examiner