Systems and methods for remote deposit of checks
DC CAFCFirst Claim
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1. A computing device for processing a remote deposit of a check, the computing device comprising:
- first processing circuitry;
a first memory having stored thereon executable instructions that, when executed by the first processing circuitry, cause the first processing circuitry to perform first operations including;
receive a digital image depicting at least portions of the check submitted by a user for the remote deposit of the check, the digital image transmitted using a mobile device associated with an image capture device, the digital image being captured by the image capture device;
detect an image format of the digital image;
determine the digital image is stored in a first image format;
convert the digital image into a second image format, wherein an image quality of the first image format is greater than an image quality of the second image format;
apply optical character recognition to the digital image;
determine an amount for the remote deposit of the check based on the optical character recognition applied to the digital image;
compare the determined amount against a customer-entered amount;
optically read a magnetic ink character recognition (MICR) line depicted in the digital image;
determine a routing number from the optically read MICR line;
perform duplicate check detection on the check depicted in the digital image based at least in part on information obtained via the optical character recognition applied to the digital image; and
determine the digital image is suitable for creating a substitute check and sufficient to go forward with the deposit;
second processing circuitry; and
a second memory having stored thereon executable instructions that, when executed by the second processing circuitry, cause the second processing circuitry to perform second operations including;
accepting the digital image for check deposit in place of the check depicted in the digital image.
1 Assignment
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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.
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Citations
18 Claims
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1. A computing device for processing a remote deposit of a check, the computing device comprising:
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first processing circuitry; a first memory having stored thereon executable instructions that, when executed by the first processing circuitry, cause the first processing circuitry to perform first operations including; receive a digital image depicting at least portions of the check submitted by a user for the remote deposit of the check, the digital image transmitted using a mobile device associated with an image capture device, the digital image being captured by the image capture device; detect an image format of the digital image; determine the digital image is stored in a first image format; convert the digital image into a second image format, wherein an image quality of the first image format is greater than an image quality of the second image format; apply optical character recognition to the digital image; determine an amount for the remote deposit of the check based on the optical character recognition applied to the digital image; compare the determined amount against a customer-entered amount; optically read a magnetic ink character recognition (MICR) line depicted in the digital image; determine a routing number from the optically read MICR line; perform duplicate check detection on the check depicted in the digital image based at least in part on information obtained via the optical character recognition applied to the digital image; and determine the digital image is suitable for creating a substitute check and sufficient to go forward with the deposit; second processing circuitry; and a second memory having stored thereon executable instructions that, when executed by the second processing circuitry, cause the second processing circuitry to perform second operations including; accepting the digital image for check deposit in place of the check depicted in the digital image. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for controlling a computing device to process a remote deposit of a check, the method comprising:
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first processing circuitry executing executable instructions stored in a first memory for performing first operations of; receiving a digital image depicting at least portions of the check submitted by a user for the remote deposit of the check, the digital image transmitted using a mobile device associated with an image capture device, the digital image being captured by the image capture device; detecting an image format of the digital image; determining the digital image is stored in a first image format; converting the digital image into a second image format, wherein an image quality of the first image format is greater than an image quality of the second image format; applying optical character recognition to the digital image; determining an amount for the remote deposit of the check based on the optical character recognition applied to the digital image; comparing the determined amount against a customer-entered amount; optically reading a magnetic ink character recognition (MICR) line depicted in the digital image; determining a routing number from the optically read MICR line; performing duplicate check detection on the check depicted in the digital image based at least in part on information obtained via the optical character recognition applied to the digital image; and determining the digital image is suitable for creating a substitute check and sufficient to go forward with the deposit; and second processing circuitry executing executable instructions stored in a second memory for performing second operations of; accepting the digital image for check deposit in place of the check depicted in the digital image. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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Specification