Systems and methods for obtaining an image of a check to be deposited
First Claim
1. A negotiable instrument processing system comprising:
- a memory; and
a processor in communication with the memory and configured to;
communicate, via a network, with a depositor-controlled computing device;
send, via the network, instructions to the depositor-controlled computing device, the instructions configured for execution on the depositor-controlled computing device, the instructions further configured, upon execution to;
request data listed on a negotiable instrument;
receive depositor input indicative of the data listed on the negotiable instrument;
set at least one parameter on a hardware image capture device of the depositor-controlled computing device in order to generate an image of the negotiable instrument;
receive depositor input indicative of authorizing activation of the image capture device;
in response to receiving the depositor input indicative of authorizing activation of the image capture device, command the image capture device to obtain an image of the negotiable instrument using the image capture device set at the at least one parameter; and
send the image of the negotiable instrument and the depositor input indicative of the data listed on the negotiable instrument for analysis of the image of the negotiable instrument in order to verify that the input indicative of the data listed on the negotiable instrument matches the data listed on the negotiable instrument in the image,wherein the instructions, upon execution by the depositor-controlled computing device, causes the setting of the at least one parameter on the image capture device to enable, upon activation of the image capture device, the image capture device to capture the image with the setting of the at least one parameter.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
21 Claims
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1. A negotiable instrument processing system comprising:
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a memory; and a processor in communication with the memory and configured to; communicate, via a network, with a depositor-controlled computing device; send, via the network, instructions to the depositor-controlled computing device, the instructions configured for execution on the depositor-controlled computing device, the instructions further configured, upon execution to; request data listed on a negotiable instrument; receive depositor input indicative of the data listed on the negotiable instrument; set at least one parameter on a hardware image capture device of the depositor-controlled computing device in order to generate an image of the negotiable instrument; receive depositor input indicative of authorizing activation of the image capture device; in response to receiving the depositor input indicative of authorizing activation of the image capture device, command the image capture device to obtain an image of the negotiable instrument using the image capture device set at the at least one parameter; and send the image of the negotiable instrument and the depositor input indicative of the data listed on the negotiable instrument for analysis of the image of the negotiable instrument in order to verify that the input indicative of the data listed on the negotiable instrument matches the data listed on the negotiable instrument in the image, wherein the instructions, upon execution by the depositor-controlled computing device, causes the setting of the at least one parameter on the image capture device to enable, upon activation of the image capture device, the image capture device to capture the image with the setting of the at least one parameter. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for processing a negotiable instrument comprising:
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receiving, via a network at a depositor-controlled computing device, instructions configured for execution on the depositor-controlled computing device; and executing the instructions to; request data listed on a negotiable instrument; receive depositor input indicative of the data listed on the negotiable instrument; set at least one parameter on a hardware image capture device of the depositor-controlled computing device in order to generate an image of the negotiable instrument; receive depositor input indicative of authorizing activation of the image capture device; in response to receiving the depositor input indicative of authorizing activation of the image capture device, command the image capture device to obtain an image of the negotiable instrument using the image capture device set at the at least one parameter; and send the image of the negotiable instrument and the depositor input indicative of the data listed on the negotiable instrument for analysis of the image of the negotiable instrument in order to verify that the input indicative of the data listed on the negotiable instrument matches the data listed on the negotiable instrument in the image, wherein the instructions, upon execution by the depositor-controlled computing device, causes the setting of the at least one parameter on the image capture device to enable, upon activation of the image capture device, the image capture device to capture the image with the setting of the at least one parameter. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory 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:
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request data listed on a negotiable instrument; receive depositor input indicative of the data listed on the negotiable instrument; set at least one parameter on a hardware image capture device of the depositor-controlled computing device in order to generate an image of the negotiable instrument; receive depositor input indicative of authorizing activation of the image capture device; in response to receiving the depositor input indicative of authorizing activation of the image capture device, command the image capture device to obtain an image of the negotiable instrument using the image capture device set at the at least one parameter; and send the image of the negotiable instrument and the depositor input indicative of the data listed on the negotiable instrument for analysis of the image of the negotiable instrument in order to verify that the input indicative of the data listed on the negotiable instrument matches the data listed on the negotiable instrument in the image, wherein the instructions, upon execution by the depositor-controlled computing device, causes the setting of the at least one parameter on the image capture device to enable, upon activation of the image capture device, the image capture device to capture the image with the setting of the at least one parameter. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification