Digital camera processing system
DC CAFCFirst Claim
1. A system for allowing a customer to deposit a check using a customer'"'"'s own handheld mobile device, the system including:
- a customer'"'"'s handheld mobile device including a downloaded app, the app associated with a bank and causing the customer'"'"'s handheld mobile device to perform the following steps;
receiving input entered by the customer indicating an amount of the check;
after the receiving, 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 having a digital camera take the photo of the check;
assisting the customer as to an orientation for taking the photo;
presenting the photo of the check to the customer after the photo is taken; and
using a wireless network, transmitting a copy of the photo over the Internet from the customer'"'"'s handheld mobile device and submitting the check for mobile check deposit in the bank after presenting the photo of the check to the customer;
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;
the 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, the optical character recognition including determining an amount shown on the check, andthe amount determined by optical character recognition is compared to the amount entered by the customer; and
the system being configured to update the balance of the account after optical character recognition is performed on a Magnetic Ink Character Recognition (MICR) line of the check in the photo.
1 Assignment
Litigations
3 Petitions
Accused Products
Abstract
A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
1103 Citations
30 Claims
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1. A system for allowing a customer to deposit a check using a customer'"'"'s own handheld mobile device, the system including:
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a customer'"'"'s handheld mobile device including a downloaded app, the app associated with a bank and causing the customer'"'"'s handheld mobile device to perform the following steps; receiving input entered by the customer indicating an amount of the check; after the receiving, 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 having a digital camera take the photo of the check; assisting the customer as to an orientation for taking the photo; presenting the photo of the check to the customer after the photo is taken; and using a wireless network, transmitting a copy of the photo over the Internet from the customer'"'"'s handheld mobile device and submitting the check for mobile check deposit in the bank after presenting the photo of the check to the customer; 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; the 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, the optical character recognition including determining an amount shown on the check, and the amount determined by optical character recognition is compared to the amount entered by the customer; and the system being configured to update the balance of the account after optical character recognition is performed on a Magnetic Ink Character Recognition (MICR) line of the check in the photo. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. 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:
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a customer'"'"'s handheld mobile device including 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; and using 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; and the 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 Dependent Claims (21, 22, 26, 27)
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23. 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 using data representing a customer fingerprint, the system including:
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a customer'"'"'s handheld mobile device including; camera software that controls the digital camera; and a downloaded app associated with a bank 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; assisting the customer as to an orientation for taking the photos; presenting the photos of the check to the customer after the photos are taken; receiving input from the customer indicating an amount of the check; and using a wireless cellular network, transmitting a copy of the photos over the Internet from the customer'"'"'s handheld 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 handheld mobile device; and the system configured to perform additional steps including; 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, reading a Magnetic Ink Character Recognition (MICR) line, performing duplicate detection, and comparing the determined amount to the amount indicated by the customer; initiating the mobile check deposit after the confirming step is performed; and generating a log file for the mobile check deposit, the log file including an image of the check submitted for mobile check deposit. - View Dependent Claims (24, 25)
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28. A system for allowing a customer to deposit a check using a customer'"'"'s own handheld mobile device, the system including:
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a bank computer programmed to update a balance of an account to reflect an amount of a check submitted for mobile check deposit by the customer'"'"'s handheld mobile device, the customer'"'"'s handheld mobile device including a downloaded app, the app associated with a bank and causing the customer'"'"'s handheld mobile device to perform; receiving input entered by the customer indicating an amount of the check; after the receiving, 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 having a digital camera take the photo of the check, assisting the customer as to an orientation for taking the photo, presenting the photo of the check to the customer after the photo is taken, and using a wireless network, transmitting a copy of the photo over the Internet from the customer'"'"'s handheld mobile device and submitting the check for mobile check deposit in the bank after presenting the photo of the check to the customer; the system being configured to update the balance of the account after optical character recognition reads a Magnetic Ink Character Recognition (MICR) line of the check in the photo, optical character recognition determines an amount shown on the check, and the amount determined by optical character recognition is compared to the amount entered by the customer. - View Dependent Claims (29, 30)
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Specification