A system for allowing a customer to deposit a check using the customer's own mobile device with a digital camera, the system configured to ask the customer to log in using a user name and password, the system including: a customer's mobile device ng:camera software that works with the digital camera; anda downloaded app associated with a bank to work with the camera software and to control submission of a check for deposit by causing the customer's mobile device to perform:instructing the customer to have the digital camera take photos of front and back sides of the check;displaying a graphical illustration to assist the customer in having the digital camera take the photos of the check, the illustration assisting the customer in placing the digital camera a proper distance away from the check for taking the photos;presenting the photos of the check to the customer after the photos are taken;confirming that the mobile check deposit can go forward after the system performs optical character recognition on the check, the optical character recognition determining an amount of the check and reading a Magnetic Ink Character Recognition (MICR) line; andusing a wireless network, transmitting a copy of the photos over a public communications network from the customer's mobile device and submitting the check for mobile check deposit in the bank after the photos of the check are presented to the customer; a computer associated with the bank programmed to update a balance of an account to reflect the check submitted for mobile check deposit by the customer's mobile device, the system configured to generate a log file for the mobile check deposit, the log file including an image of the check submitted for mobile check deposit. view more

The system ofclaim 12, wherein the optical character recognition includes comparing the determined amount to an amount indicated by the customer.

The system ofclaim 12, wherein the system is configured to perform the update after it is determined that some mark or signature is present in an endorsement location on the back side of the check in the photos.

The system ofclaim 12, wherein the downloaded app causes the customer's mobile device to perform an additional step of receiving input from the customer indicating an amount of the check.

The system ofclaim 12, wherein the confirming step takes place after duplicate detection is performed on the check.

A non-transitory computer readable medium storing an app that, when downloaded and run by a customer's mobile device, causes the customer's mobile device to perform: instructing a customer to have a digital camera take photos of front and back sides eck; displaying a graphical illustration to assist the customer in having the digital camera take the photos of the check; giving an instruction to assist the customer in placing the digital camera at a proper distance away from the check for taking the photos; presenting the photos of the check to the customer after the photos are taken; confirming that the mobile check deposit can go forward after optical character recognition is performed on the check, the optical character recognition determining an amount of the check and reading a Magnetic Ink Character Recognition (MICR) line; checking for errors; and using a wireless network, transmitting a copy of the photos over a public communications network from the customer's mobile device and submitting the check for mobile check deposit after the customer is authenticated, the photos of the check are presented to the customer, and the customer's mobile device checks for errors. view more

An image capture and processing system for use with a digital camera, the image capture and processing system comprising: a portable device comprising a general purpose computer including a processor coupled to a memory, the memory storing:camera software comprising instructions that, when executed by the processor, control the digital camera;a downloaded software component configured to control the camera software and to manage capturing electronic images, the software component comprising instructions that, when executed by the processor, cause the portable device to perform operations including:instructing a user of the portable device to place a check in front of the digital camera and have the digital camera capture electronic images of front and back sides of the check;displaying an instruction on a display of the portable device to assist the user in having the digital camera capture the electronic images of the check;assisting the user as to an orientation for capturing the electronic images of the check;presenting the electronic images of the check to the user after the digital camera captures the electronic images;transmitting, using a wireless network, a copy of the electronic images over a public electronic communications network from the portable device, wherein the transmitted copy of the electronic images is a modified version of the electronic images captured with the digital camera, the modified version having a different electronic format than the images captured with the digital camera; andsubmitting the check for deposit after the system authenticates the user and after presenting the electronic images of the check to the user; a plurality of processors coupled to a plurality of memory devices storing instructions that, when each instruction of the instructions is executed by a processor of the plurality of processors coupled to a memory device of the plurality of memory devices storing that instruction, cause the system to perform additional operations including:confirming that the deposit can go forward after performing an optical character recognition on the check, the optical character recognition including determining an amount of the check, comparing the determined amount to an amount entered by the user into the portable device, and reading a MICR line of the check;initiating the deposit after the confirming; andgenerating a log file for the deposit, the log file including a bi-tonal image of the check; and another computer, remote from the portable device, comprising a processor coupled to a memory storing instructions that, when executed by the processor, cause the other computer to update a balance to reflect the amount of the check submitted for deposit by the portable device. view more

The system ofclaim 1, wherein the system is configured to perform the update after the system determines that some mark or signature is present in an endorsement location on the back side of the check in the electronic images.

The system ofclaim 1, wherein the confirming occurs after performing a duplicate detection.

A system for allowing a customer to deposit a check using a customer's own handheld mobile device with a digital camera, the system configured to authenticate the customer, the system including: a customer's handheld mobile device including:camera e that controls the digital camera; anda downloaded app associated with a hank configured to control the camera software and to control submitting a check for deposit by causing the customer's handheld mobile device to perform the following steps:instructing the customer to have the digital camera take photos of front and back sides of the check;using a display of the customer's handheld mobile device to assist the customer in having the digital camera take the photos of the check;presenting the photos of the check to the customer after the digital camera takes the photos; andtransmitting, using a wireless network, a copy of the photos over the Internet from the customer's handheld mobile device; andsubmitting the check for mobile check deposit in the bank after the system authenticates the customer and after presenting the photos of the check to the customer; a computer associated with the bank programmed to update a balance of an account to reflect an amount of the check submitted for a mobile check deposit by the customer's handheld mobile device; and the system configured to perform additional steps including:confirming that the mobile check deposit can go forward after performing an optical character recognition on the check, the optical character recognition determining the amount of the check and reading a MICR line;initiating the mobile check deposit after performing the confirming step; andgenerating a log file for the mobile check deposit, the log file including an image of the check submitted for the mobile check deposit. view more

The system ofclaim 12, wherein the optical character recognition includes comparing the determined amount to an amount indicated by the customer.

The system ofclaim 12, wherein the system is configured to perform the update after determining that some mark or signature is present in an endorsement location on the back side of the check in the photos.

The system ofclaim 12, wherein the confirming step takes place after performing a duplicate detection on the check.