Systems and methods for remote deposit of checks

• US 10,482,432 B1
• Filed: 05/18/2018
• Issued: 11/19/2019
• 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): Liu, I Jung
• Application Number:
  US15/983,983
• Time in Patent Office: 550 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 customer'"'"'s mobile device including a downloaded app, the downloaded app provided by a bank to control check deposit by causing the customer'"'"'s mobile device to perform;

instructing the customer to have a digital camera take a photo of a check;

giving an instruction to assist the customer in placing the digital camera at a proper distance away from the check for taking the photo;

presenting the photo of the check to the customer after the photo is taken with the digital camera;

using a wireless network, transmitting a copy of the photo from the customer'"'"'s mobile device and submitting the check for mobile check deposit in the bank after presenting the photo of the check to the customer; and

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 mobile device;

wherein the downloaded app causes the customer'"'"'s mobile device to perform additional steps including;

confirming that the mobile check deposit can go forward after optical character recognition is performed on the check in the photo; and

checking for errors before the submitting step.

2. The system of claim 1, wherein the checking step is performed before the transmitting step.

3. The system of claim 1, wherein the optical character recognition includes determining an amount of the check and comparing the determined amount to an amount indicated by the customer.

4. The system of claim 1, wherein the optical character recognition includes reading a MICR line of the check in the photo.

5. The system of claim 1, wherein the confirming step is performed after duplicate detection is performed on the check in the photo.

6. The system of claim 1, wherein the step of instructing the customer to have the digital camera take a photo of the check includes instructing the customer to have the digital camera take a photo of a front side of the check and a photo of a back side of the check.

7. The system of claim 6, wherein the system is configured to perform the update after it is determined that some mark or signature is present in an endorsement location in the photo of the back side of the check.

8. The system of claim 1, wherein the digital camera is separate from the customer'"'"'s mobile device.

9. The system of claim 1, wherein the customer'"'"'s mobile device is a laptop.

10. The system of claim 1, wherein the system is configured to convert the photo into a bi-tonal TIFF.

11. The system of claim 1, wherein the wireless network is a cellular network.

12. The system of claim 1, wherein the downloaded app handles taking the photo.

13. The system of claim 1, wherein the downloaded app causes the customer'"'"'s mobile device to perform an additional step of receiving input from the customer indicating an amount of the check.

14. The system of claim 13, wherein the instructing step is performed after the receiving step.

15. The system of claim 1, wherein the transmitting step is performed after the customer is authenticated.

16. The system of claim 1, wherein the system is configured to generate a log file for the mobile check deposit.

17. The system of claim 16, wherein the log file includes an image of the check submitted for mobile check deposit.

18. The system of claim 17, wherein the image is a bi-tonal TIFF.

19. The system of claim 1, wherein the copy is a modified version of the photo taken with the digital camera.

20. The system of claim 19, wherein the copy has a different format than the photo taken with the digital camera.

21. The system of claim 1, wherein the downloaded app causes the customer'"'"'s mobile device to perform an additional step of assisting the customer with lighting for taking the photo of the check.

22. The system of claim 1, further comprising a third-party vendor computer.

23. The system of claim 1, wherein the downloaded app causes the customer'"'"'s mobile device to perform an additional step of displaying a graphical illustration to assist the customer in having the digital camera take the photo of the check.