When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital...http://www.google.com.hk/patents/US8001051?utm_source=gb-gplus-share專利 US8001051 - Systems and methods to modify a negotiable instrument
