Systems and methods for alignment of check during mobile deposit

• US 10,574,879 B1
• Filed: 03/23/2017
• Issued: 02/25/2020
• Est. Priority Date: 08/28/2009
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Prasad, Bharat, Liang, Minya, Medina, III, Reynaldo
• Primary Examiner(s): Lu, Tom Y
• Application Number:
  US15/467,167
• Time in Patent Office: 1,069 Days
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06T 7/73 using feature-based methods
• CPC Class Codes: G06V 10/24 Aligning, centring, orientation detection or correction of the image
• CPC Class Codes: G06V 10/245 by locating a pattern; Special marks for positioning
• CPC Class Codes: H04N 23/63 by using electronic viewfinders
• CPC Class Codes: H04N 23/64 Computer-aided capture of images, e.g. transfer from script file into camera, check of taken image quality, advice or proposal for image composition or decision on when to take image
• CPC Class Codes: H04N 5/44 Receiver circuitry for the reception of television signals according to analogue transmission standards H04N5/14 takes precedence

Abstract

An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user'"'"'s bank account based on the image. Any technique for sending the image to the financial institution may be used.

Claims

1. A mobile device comprising:

a memory configured to store an application;

a camera configured to capture an image within a field of view of the camera;

a display screen configured to display a field of view projection corresponding to the field of view of the camera; and

a processor, wherein the processor is configured to run the application to;

project an alignment guide in the field of view projection displayed on the display screen;

present at least a portion of the field of view projection, including the alignment guide, to a server;

receive adjustment instructions from the server;

adjust the alignment guide within the field of view projection displayed on the display screen to align the alignment guide with an edge of a document based on the adjustment instructions; and

automatically initiate the camera to capture a captured image depicting the field of view of the camera when the alignment guide aligns with the edge of the document.

2. The mobile device of claim 1, wherein the document comprises one or more of a negotiable instrument, a credit instrument, a debit instrument, a financial document, a vehicle accident document, and an insurance document.

3. The mobile device of claim 1, wherein the processor is further configured to run the application to:

obtain financial information from the captured image.

4. The mobile device of claim 1, wherein the processor is further configured to run the application to:

transmit the captured image to the server via a communication pathway between the mobile device and the server.

5. The mobile device of claim 4, wherein the processor is further configured to run the application to:

crop at least a portion of the captured image around the alignment guide prior to transmitting the captured image to the server.

6. The mobile device of claim 1, wherein the processor is further configured to run the application to:

open a communication pathway with the server;

obtain identification information pertaining to the captured image; and

transmit the identification information to the server through the communication pathway.

7. The mobile device of claim 1, wherein the memory is further configured to store additional alignment guides.

8. A non-transitory computer-readable medium comprising instructions executable by a processor of a mobile device to:

project an alignment guide in a field of view projection displayed on a display screen of the mobile device, the field of view projection corresponding to a field of view of a camera included in the mobile device;

present at least a portion of the field of view projection, including the alignment guide, to a server;

receive adjustment instructions from the server;

adjust the alignment guide within the field of view projection displayed on the display screen to align the alignment guide with an edge of a document based on the adjustment instructions; and

automatically initiate the camera to capture a captured image depicting the field of view of the camera when the alignment guide aligns with the edge of the document.

9. The non-transitory computer-readable medium of claim 8, wherein the document comprises one or more of a negotiable instrument, a credit instrument, a debit instrument, a financial document, a vehicle accident document, and an insurance document.

10. The non-transitory computer-readable medium of claim 8, further including instructions executable by a processor to:

obtain financial information from the captured image.

11. The non-transitory computer-readable medium of claim 8, further including instructions executable by a processor to:

transmit the captured image to the server via a communication pathway between the mobile device and the server.

12. The non-transitory computer-readable medium of claim 11, further including instructions executable by a processor to:

clean the captured image prior to transmitting the captured image to the server.

13. The non-transitory computer-readable medium of claim 11, further including instructions executable by a processor to:

crop at least a portion of the captured image around the alignment guide prior to transmitting the captured image to the server.

14. The non-transitory computer-readable medium of claim 8, further including instructions executable by a processor to:

open a communication pathway with the server;

obtain identification information pertaining to the captured image; and

transmit the identification information to the server through the communication pathway.

15. The non-transitory computer-readable medium of claim 8, configured to store additional alignment guides.

16. A method comprising:

projecting an alignment guide in a field of view projection displayed on a display screen of the mobile device, the field of view projection corresponding to a field of view of a camera included in the mobile device;

presenting at least a portion of the field of view projection, including the alignment guide, to a server;

receiving adjustment instructions from the server;

adjust the alignment guide within the field of view projection displayed on the display screen to align the alignment guide with an edge of a document based on the adjustment instructions; and

automatically initiating the camera to capture a captured image depicting the field of view of the camera when the alignment guide aligns with the edge of the document.

17. The method of claim 16, further comprising:

transmitting the captured image to the server via a communication pathway between the mobile device and the server.

18. The method of claim 17, further comprising:

cleaning the captured image prior to transmitting the captured image to the server.

19. The method of claim 17, further comprising:

cropping at least a portion of the captured image around the alignment guide prior to transmitting the captured image to the server.

20. The method of claim 16, further comprising:

opening a communication pathway with the server;

obtaining identification information pertaining to the captured image; and

transmitting the identification information to the server through the communication pathway.