Image processing

• US 10,373,136 B1
• Filed: 10/09/2015
• Issued: 08/06/2019
• Est. Priority Date: 10/23/2007
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Pollack, Jeff, Morris, Michael Frank, Prasad, Bharat, Major, Frank Kyle, Brady, John Weatherman, Mawyer, Jr., Ralph Paige, Reynolds, Clint James, Shah, Kairav Mahesh
• Primary Examiner(s): Bloomquist, Keith D
• Application Number:
  US14/879,868
• Time in Patent Office: 1,397 Days
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04N 1/38 Circuits or arrangements for blanking or otherwise eliminating unwanted parts of pictures H04N1/387 takes precedence
• CPC Class Codes: H04N 1/3872 Repositioning or masking
• CPC Class Codes: H04N 1/3873 defined only by a limited number of coordinate points or parameters, e.g. corners, centre; for trimming

Abstract

An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor'"'"'s web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.

Claims

1. An image processing system comprising:

a memory;

a processor in communication with said memory, and configured to;

provide an instruction to a depositor at a depositor-computing device to align an edge of a check along an edge of an image capture region of the depositor-computing device to define an aligned edge;

receive, via a network from a depositor-computing device, a file comprising an image of the check having the aligned edge;

receive, via the network from the depositor-computing device, an indication of where, in the image, an edge other than the aligned edge of the check is located, wherein the indication is a representation of manual input that is input to the depositor-computing device; and

determine which portion of the image to present for processing based on the indication.

2. The system of claim 1, wherein the indication comprises where, in the image, a corner of the check is located.

3. The system of claim 1, wherein the indication indicates which part of the image comprises the check and which part comprises background.

4. The system of claim 1, wherein the indication is the representation of the manual input from a pointing device of the depositor computing device.

5. The system of claim 4, wherein the processor is configured to communicate with a network browser running on the depositor computing device;

and

wherein the processor is configured to download software to the depositor computing device, the software configured for execution via the network browser of the depositor computing device to configure the depositor computing device to process the manual input related to the check received from the pointing device.

6. The system of claim 5, wherein the processor, in response to receiving the file comprising the image of the check, is further configured to:

send, via the network to the depositor computing device, a system image of the check for display using the depositor computing device in order for a depositor at the depositor computing device to input the manual input on the displayed system image, the system image being based on the image of the check.

7. The system of claim 6, wherein the system image comprises a copy of the image of the check.

8. The system of claim 6, wherein the system image comprises a modification of the image of the check.

9. The system of claim 6, wherein the sending of the system image to the depositor computing device causes the depositor computing device to display the system image in a new window for input of the manual input on the displayed system image.

10. The system of claim 1, wherein the processor is configured to receive a first image of a first side of the check and a second image of a second side of the check;

and

wherein the indication received from the depositor computing device comprises a first indication of where, in the first image, a first edge of the first side of the check is located and a second indication of where, in the second image, a second edge of the second side of said check is located.

11. The system of claim 10, wherein the first indication is indicative of a first corner the check in the first image;

and

wherein the second indication is indicative of a second corner the check in the second image.

12. The image processing system of claim 1, wherein the processor is further configured to perform optical character recognition on the image of the check to determine an amount written on the check and to compare the determined amount written on the check to an amount of the check entered by the depositor into the depositor-computing device.

13. A processor-implemented check deposit method, comprising:

receiving, via a network from a depositor computing device, a file comprising an image of a check, where at least one edge of the check in the image is defined by an edge of the image;

receiving, via the network from the depositor computing device, an indication of where, in the image, an edge of the check other than the at least one edge is located, wherein the indication is a representation of manual input that is input to the depositor computing device;

determining which portion of the image to present based on the indication; and

presenting at least the portion of the image to a banking system.

14. The method of claim 13, wherein the indication is the representation of the manual input from a pointing device of the depositor computing device.

15. The method of claim 14, further comprising downloading software to the depositor computing device, the software configured for execution via a network browser of the depositor computing device to configure the depositor computing device to process the manual input related to the check received from the pointing device.

16. The method of claim 15, further comprising, in response to receiving the file comprising the image of the check, sending a system image of the check for display using the depositor computing device in order for a depositor at the depositor computing device to input the manual input on the displayed system image, the system image being based on the image of the check.

17. The method of claim 16, wherein sending of the system image to the depositor computing device causes the depositor computing device to display the system image in a new window for input of the manual input on the displayed system image.

18. The method of claim 13, wherein receiving a file comprises receiving a first image of a first side of the check and a second image of a second side of the check;

and

wherein the indication received from the depositor computing device comprises a first indication of where, in the first image, a first edge of the first side of the check is located and a second indication of where, in the second image, a second edge of the second side of said check is located.

19. The method of claim 13, further comprising, prior to presenting the at least the portion of the image to the banking system, performing optical character recognition on the image of the check to determine an amount written on the check and to comparing the determined amount written on the check to an amount of the check entered by the depositor into the depositor computing device.

20. A computer-readable storage medium comprising computer-readable instructions configured for execution using a network browser running on a depositor-controlled computing device, the instructions configured, upon execution to:

instruct a depositor at a depositor-controlled computing device to align an edge of a check along an edge of an image capture region of the depositor-controlled computing device to define an aligned edge;

enable the depositor on a depositor-controlled computing device to input an indication of an edge other than the aligned edge of the check in a digital image of the check, wherein the indication is a representation of manual input that is input to the depositor-controlled computing device;

receive input of the indication of the edge of the check in the digital image of the check from the depositor of the depositor-controlled computing device; and

send, via a network, the digital image of the check having the aligned edge and the indication of the edge other than the aligned edge.