A system for allowing a customer to deposit a check using a customer's handheld mobile device, the system configured to authenticate the customer using data representing a customer fingerprint, the system including:a customer's handheld mobile device ng a downloaded app, the app associated with a bank and causing the customer's handheld mobile device to perform the following steps:instructing the customer to take a photo of the check;using a display of the customer's handheld mobile device to assist the customer in taking the photo of the check;assisting the customer as to an orientation for taking the photo; andusing a wireless network, transmitting a copy of the photo from the customer's handheld mobile device and submitting the check for mobile check deposit;a bank computer programmed to update a balance of an account to reflect an amount of the check submitted for mobile check deposit by the customer's handheld mobile device;the system being configured to check for errors before the submitting is performed by the customer's handheld mobile device; andthe system being configured to confirm that the mobile check deposit can go forward after optical character recognition is performed on the check in the photo. view more

A method of facilitating remotely depositing funds into a user's account with a bank's computing system and without using an Automatic Teller Machine (ATM), comprising:providing a remote deposit application for download to a customer device, wherein ote deposit application comprises computer-executable instructions that, when executed by a processor, provide a user-interface and control a camera associated with the customer device to facilitate capturing at least one electronic image of a check;receiving at the bank's computing system, via the user-interface on the customer device: authentication data, an electronic identification of an account for receipt of a value associated with the check, an electronic indication of the value associated with the check, and the at least one electronic image of the check;determining whether the check was previously deposited using the at least one electronic image of the check; andinitiating and/or logging a first deposit of the value to the account via the bank's computing system unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited. view more

The method of claim 2, comprising conducting optical character recognition on the at least one electronic image of the check and comparing results of the optical character recognition with validation data as part of the error processing.

The method of claim 4, wherein confirming that the at least one electronic image of the check meets at least one image criterion comprises confirming detection of image data corresponding to an endorsement.

A method of facilitating remotely depositing funds into a user's account via Internet-based communication without using an Automatic Teller Machine (ATM), comprising:coordinating with a remote deposit application on a customer-controlled device to ilitate a deposit procedure including capturing, via a camera associated with the customer-controlled device, at least one electronic image of a check;validating authentication data provided via the customer-controlled device;receiving into a bank's computing system, via the customer-controlled device and the Internet-based communication:an electronic identification of an account for receipt of a value associated with the check and an electronic indication of the value associated with the check, and the at least one electronic image of the check;determining whether the check was previously deposited using the at least one electronic image of the check; andafter validating the authentication data, triggering a deposit of the value to the account via the bank's computing system unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited. view more

The method of claim 10, comprising analyzing the at least one electronic image of the check with the customer-controlled device or the bank's computing system to confirm the at least one electronic image of the check is legible, is appropriately ed, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature, or a combination thereof before triggering the deposit. view more