They own or co-own the patent(s). Last I checked they were still battling it out in court. The relevant legislation that enabled Remote Deposit Capture (RDC) i

They own or co-own the patent(s). Last I checked they were still battling it out in court. The relevant legislation that enabled Remote Deposit Capture (RDC) is the Check21 act, which you can learn about here: http://www.federalreserve.gov/paymentsystems/regcc-faq-check21.htm http://www.federalreserve.gov/paymentsystems/regcc-faq-check... In theory, anyone can build a system to deposit checks via check images, but software/process patents are a (mostly bad) thing. :(