Systems and methods for remote deposit of checks
First Claim
Patent Images
1. A method for processing a document depicted in a digital image, comprising:
- transmitting, by a mobile computing device, a request for a document processing application to a remote server, wherein the document processing application identifies a deposit server;
receiving, by the mobile computing device, the document processing application from the remote server; and
implementing, by the mobile computing device, the document processing application by;
configuring an image capturing device in communication with the mobile computing device;
presenting a graphical instruction for capturing an image of the document on a display screen of the mobile computing device;
controlling the image capturing device to capture the image of the document;
determining the image satisfies a predetermined image criteria based on at least one of a size dimension of the document depicted in the image satisfying a predetermined size threshold or an alignment of the document depicted within the image satisfying a predetermined alignment threshold;
modifying the image to satisfy the predetermined criteria by at least one of cropping, rotating, or otherwise changing an orientation of the image to satisfy the predetermined image criteria using the processor of the mobile computing device; and
transmitting deposit information to the deposit server, wherein the deposit information includes the modified image, deposit account information, deposit amount information, or a combination thereof.
1 Assignment
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Accused Products
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
20 Claims
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1. A method for processing a document depicted in a digital image, comprising:
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transmitting, by a mobile computing device, a request for a document processing application to a remote server, wherein the document processing application identifies a deposit server; receiving, by the mobile computing device, the document processing application from the remote server; and implementing, by the mobile computing device, the document processing application by; configuring an image capturing device in communication with the mobile computing device; presenting a graphical instruction for capturing an image of the document on a display screen of the mobile computing device; controlling the image capturing device to capture the image of the document; determining the image satisfies a predetermined image criteria based on at least one of a size dimension of the document depicted in the image satisfying a predetermined size threshold or an alignment of the document depicted within the image satisfying a predetermined alignment threshold; modifying the image to satisfy the predetermined criteria by at least one of cropping, rotating, or otherwise changing an orientation of the image to satisfy the predetermined image criteria using the processor of the mobile computing device; and transmitting deposit information to the deposit server, wherein the deposit information includes the modified image, deposit account information, deposit amount information, or a combination thereof. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A mobile computing device for processing a document depicted in a digital image, the mobile computing device comprising:
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a communication interface configured to receive a document processing application from a remote server based on the mobile computing device being authorized to receive the document processing application; a display screen configured to display a graphical user interface; an input device configured to receive a user input corresponding to input options included in the graphical user interface; and a processor configured to implement the document processing application to; configure an image capturing device according to the document processing application; control the image capturing device to capture an image of a document; determine the image satisfies a predetermined image criteria based on at least one of a size dimension of the document depicted in the image satisfying a predetermined size threshold or an alignment of the document depicted within the image satisfying a predetermined alignment threshold; modify the image to satisfy the predetermined criteria by at least one of cropping, rotating, or otherwise changing an orientation of the image to satisfy the predetermined image criteria using the processor; and transmit the image of the document to a deposit server. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification