Systems and methods for remote deposit of checks

• US 10,460,295 B1
• Filed: 11/25/2015
• Issued: 10/29/2019
• Est. Priority Date: 10/31/2006
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Oakes, III, Charles Lee, Morlen, Randy Ray, Prasad, Bharat, Huth, Troy Bartlette
• Primary Examiner(s): Ebersman, Bruce I
• Application Number:
  US14/952,625
• Time in Patent Office: 1,434 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 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: G06V 40/33 based only on signature image, e.g. static signature recognition

Abstract

Remote deposit of checks can be facilitated by a financial institution. A customer'"'"'s general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Claims

1. A system comprising:

a memory; and

a processor in communication with the memory, the processor configured to;

establish a secure connection over a communication network with a remote user device;

receive an image of a check captured by an image capture device coupled to the remote user device over the secure connection, wherein the image of the check is in a first data format;

perform optical character recognition on the image of the check to determine information about the check, including optical character recognition of a Magnetic Ink Character Recognition (MICR) line in the image of the check, wherein the determined information includes MICR line information;

generate a supplemental image of the check in a second data format from the image of the check in the first data format, wherein an image quality of the check in the first data format is higher than an image quality of the check in the second data format and the second data format is a bi-tonal format;

store both the image of the check and the supplemental image of the check in a log file;

store the information about the check in the log file;

access the log file; and

deposit the check into a customer account based, at least in part, on the image of the check, the supplemental image of the check, and the information accessed from the log file.

2. The system of claim 1, wherein data communicated over the secure connection is inaccessible, indecipherable, or both by third parties.

3. The system of claim 1, wherein the processor is further configured to:

transmit a confirmation message over the secure connection indicating that the customer account has been credited in an amount corresponding to the determined information obtained by the optical character recognition performed on the image of the check.

4. The system of claim 3, wherein the processor is configured to:

perform optical character recognition in real-time; and

validate the determined information about the check before the confirmation message is transmitted over the secure connection.

5. The system of claim 3, wherein the processor is further configured to:

perform an initial duplicate detection procedure based on the determined information about the check before the confirmation message is transmitted over the secure connection; and

perform a complete duplicate detection procedure after the confirmation message is transmitted over the secure connection.

11. The system of claim 5, wherein:

in performing the initial duplicate detection procedure, the processor is further configured to analyze the MICR information associated with the MICR line of the negotiable instrument to determine whether the MICR line of the check comprises a money amount.

12. The system of claim 11, wherein in performing the initial duplicate detection procedure the processor is further configured to:

in response to a determination that the MICR line of the check comprises a money amount, provisionally detect a duplicate deposit of the check.

13. The system of claim 5, wherein:

in performing the initial duplicate detection procedure, the processor is further configured to analyze the MICR information associated with the MICR line of the check to determine whether a predetermined character is included in a predetermined position of the MICR line of the check.

14. The system of claim 13, wherein in performing the initial duplicate detection procedure the processor is further configured to:

in response to a determination that the predetermined character is included in the predetermined position of the MICR line of the check, provisionally detect a duplicate deposit of the check.

15. The system of claim 14, wherein:

in performing the initial duplicate detection procedure, the processor is further configured to compare the MICR information associated with the MICR line of the check with respective MICR information of each check deposited into the customer account within a predetermined time period.

6. A method comprising:

establishing a secure connection over a communication network with a remote user device;

receiving an image of a check captured by an image capture device coupled to the remote user device over the secure connection, wherein the image of the check is in a first data format;

performing optical character recognition on the image of the check to determine information about the check, including optical character recognition of a Magnetic Ink Character Recognition (MICR) line in the image of the check, wherein the determined information includes MICR line information;

generating a supplemental image of the check in a second data format from the image of the check in the first data format, wherein an image quality of the check in the first data format is higher than an image quality of the check in the second data format and the second data format is a bi-tonal format;

storing both the image of the check and the supplemental image of the check in a log file;

storing the information about the negotiable instrument in the log file;

accessing the log file; and

depositing the check into a customer account based, at least in part, on the image of the check, the supplemental image of the check, and the information accessed from the log file.

7. The method of claim 6, wherein data communicated over the secure connection is inaccessible, indecipherable, or both by third parties.

8. The method of claim 6, further comprising:

transmitting a confirmation message over the secure connection indicating that the customer account has been credited in an amount corresponding to the determined information obtained by performing optical character recognition on the image the check.

9. The method of claim 8, wherein performing optical character recognition occurs in real-time and further comprising:

validating the determined information about the check before the confirmation message is transmitted over the secure connection.

10. The method of claim 8, further comprising:

performing an initial duplicate detection procedure based on the determined information about the check before the confirmation message is transmitted over the secure connection; and

performing a complete duplicate detection procedure after the confirmation message is transmitted over the secure connection.

16. The method of claim 10, wherein:

the performing of the initial duplicate detection procedure further comprises analyzing the MICR information associated with the MICR line of the check to determine whether the MICR line of the check comprises a money amount.

17. The method of claim 16, wherein the performing of the initial duplicate detection procedure further comprises:

in response to a determination that the MICR line of the check comprises a money amount, provisionally detecting a duplicate deposit of the check.

18. The method of claim 10, wherein:

the performing of the initial duplicate detection procedure further comprises analyzing the MICR information associated with the MICR line of the check to determine whether a predetermined character is included in a predetermined position of the MICR line of the check.

19. The method of claim 18, wherein the performing of the initial duplicate detection procedure further comprises:

in response to a determination that the predetermined character is included in the predetermined position of the MICR line of the check, provisionally detecting a duplicate deposit of the check.

20. The method of claim 19, wherein:

performing the initial duplicate detection procedure further comprises comparing the MICR information associated with the MICR line of the check with respective MICR information of each check deposited into the customer account within a predetermined time period.