Apparatuses, methods and systems for a video remote deposit capture platform
First Claim
1. A system comprising:
- a memory;
an image capture device; and
a processor in communication with the memory and the image capture device, the processor configured to;
capture an image of a financial instrument associated with a depositor using the image capture device;
process the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument;
process the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument;
calculate a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines;
crop the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image; and
transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor;
wherein the processor, in processing the image of the financial instrument to obtain the plurality of sample edge points, is configured to;
scan the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected; and
scan the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected.
1 Assignment
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Accused Products
Abstract
The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.
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Citations
17 Claims
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1. A system comprising:
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a memory; an image capture device; and a processor in communication with the memory and the image capture device, the processor configured to; capture an image of a financial instrument associated with a depositor using the image capture device; process the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument; process the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument; calculate a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines; crop the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image; and transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor; wherein the processor, in processing the image of the financial instrument to obtain the plurality of sample edge points, is configured to; scan the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected; and scan the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected. - View Dependent Claims (2, 3, 4, 5, 6, 7, 11, 12, 13, 14)
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8. A method comprising:
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capturing an image of a financial instrument associated with a depositor using an image capture device; processing the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument; processing the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument; calculating a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines; cropping the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image; and transmitting the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor; wherein processing the image of the financial instrument to obtain the plurality of sample edge points comprises; scanning the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected; and scanning the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected. - View Dependent Claims (9, 10)
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15. A non-transitory computer-readable medium comprising computer executable instructions that when executed by a processor cause the processor to:
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capture an image of a financial instrument associated with a depositor using the image capture device; process the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument; process the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument; calculate a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines; crop the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image; and transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor; wherein the computer executable instructions, when executed by the processor to process the image of the financial instrument to obtain the plurality of sample edge points, cause the processor to; scan the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected; and scan the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected. - View Dependent Claims (16, 17)
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Specification