Automatic remote deposit image preparation apparatuses, methods and systems
First Claim
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1. A financial instrument deposit method, implemented in a server having a processor and a memory in communication with the processor, the method comprising:
- in the processor;
receiving a request to remotely process a financial instrument captured by an image source of a user device;
receiving image data captured by the image source of the user device, wherein the image data comprises an image of the financial instrument;
analyzing the image of the financial instrument to determine an image source type, wherein analyzing the image of the financial instrument to determine the image source type comprises determining one or more of a resolution, a size, an aspect ratio, or a contrast of the image of the financial instrument;
selecting one of a plurality of hierarchical image quality assessment procedures stored in the memory based on the determined image source type;
performing the selected hierarchical image quality assessment procedure on the image, wherein performing the selected hierarchical image quality assessment procedure comprises;
analyzing the image of the financial instrument to calculate a plurality of image quality scores corresponding to a plurality of image quality factors;
comparing the plurality of image quality scores to a plurality of corresponding threshold values; and
wherein the plurality of image quality scores are calculated in a sequential fashion and the selected hierarchical image quality assessment procedure is terminated when a particular image quality score fails to meet a particular corresponding threshold value; and
when the selected hierarchical image quality assessment procedure issuccessfully completed, processing the financial instrument image for deposit.
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Abstract
The AUTOMATIC REMOTE DEPOSIT IMAGE PREPARATION APPARATUSES, METHODS AND SYSTEMS (hereinafter “MultiCrop”) transforms uploaded check images and check deposit information inputs via MultiCrop components image into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the MultiCrop may capture images of the check and send them to a financial institution for deposit processing.
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Citations
17 Claims
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1. A financial instrument deposit method, implemented in a server having a processor and a memory in communication with the processor, the method comprising:
- in the processor;
receiving a request to remotely process a financial instrument captured by an image source of a user device; receiving image data captured by the image source of the user device, wherein the image data comprises an image of the financial instrument; analyzing the image of the financial instrument to determine an image source type, wherein analyzing the image of the financial instrument to determine the image source type comprises determining one or more of a resolution, a size, an aspect ratio, or a contrast of the image of the financial instrument; selecting one of a plurality of hierarchical image quality assessment procedures stored in the memory based on the determined image source type; performing the selected hierarchical image quality assessment procedure on the image, wherein performing the selected hierarchical image quality assessment procedure comprises; analyzing the image of the financial instrument to calculate a plurality of image quality scores corresponding to a plurality of image quality factors; comparing the plurality of image quality scores to a plurality of corresponding threshold values; and wherein the plurality of image quality scores are calculated in a sequential fashion and the selected hierarchical image quality assessment procedure is terminated when a particular image quality score fails to meet a particular corresponding threshold value; and when the selected hierarchical image quality assessment procedure is successfully completed, processing the financial instrument image for deposit. - View Dependent Claims (2, 3, 4, 5, 6, 7)
- in the processor;
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8. A financial instrument deposit device, comprising:
- a memory;
a processor, in communication with the memory, configured to execute a plurality of processing instructions stored in the memory to; receive a request to remotely process a financial instrument captured by an image source of a user device; receive image data captured by the image source of the user device, wherein the image data comprises an Image of the financial instrument; analyze the image of the financial instrument to determine an image source types wherein analyzing the image of the financial instrument to determine the image source type comprises determining one or more of a resolution a sizes an aspect ratio, or a contrast of the image of the financial instrument; select one of a plurality of hierarchical image quality assessment procedures stored in the memory based on the determined image source type; perform the selected hierarchical image quality assessment procedure on the image, wherein the processor is further configured to; analyze the image of the financial instrument to calculate a plurality of image quality scores corresponding to a plurality of Image quality factors; compare the plurality of image quality scores to a plurality of corresponding threshold values; and wherein the plurality of image quality scores are calculated in a sequential fashion and the selected hierarchical image quality assessment procedure is terminated when a particular image quality score fails to meet a particular corresponding threshold value; and
when the selected hierarchical image quality assessment procedure is successfully completed, process the financial instrument image for deposit. - View Dependent Claims (9, 10, 11, 12, 13, 14)
- a memory;
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15. A non-transitory computer-readable medium storing a plurality of processing instructions, the processing instructions configured to cause a processor to:
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receive a request to remotely process a financial instrument captured by an image source of a user device; receive image data captured by the image source of the user device, wherein the image data comprises an image of the financial instrument; analyze the image of the financial Instrument to determine an image source type, wherein analyzing the image of the financial instrument to determine the image source type comprises determining one or more of a resolution, a size, an aspect ratio, or a contrast of the image of the financial instrument; select one of a plurality of hierarchical image quality assessment procedures stored in the memory based on the determined image source type; perform the selected hierarchical image quality assessment procedure on the image, wherein the processor is further configured to; analyze the image of the financial instrument to calculate a plurality of image quality scores corresponding to a plurality of image quality factors; compare the plurality of image quality scores to a plurality of corresponding threshold values; and
wherein the plurality of image quality scores are calculated in a sequential fashion and the selected hierarchical image quality assessment procedure is terminated when a particular image quality score fails to meet a particular corresponding threshold value; and
when the selected hierarchical image quality assessment procedure is successfully completed, process the financial instrument image for deposit. - View Dependent Claims (16, 17)
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Specification