By offering a mobile service that addresses a common need, JPMorgan Chase & Co. might also get people to use their phones for a type of payment of which few people are even aware.

Last week's update of JPMorgan Chase's application for Apple Inc.'s iPhone added two important features: mobile remote deposit and person-to-person payments. To deposit a check, customers photograph it with the iPhone's camera and send the image to the bank.

Though the features were developed independently in-house, they were introduced together, and the New York banking company said that users of the remote deposit capture feature could quickly warm to using their phones for new payment types, including person-to-person transfers.