Methods of authenticating a bank customer desiring to conduct an electronic check deposit transaction

• US 20090037339A1
• Filed: 08/02/2007
• Published: 02/05/2009
• Est. Priority Date: 08/02/2007
• Status: Abandoned Application

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Robinson, Peter H., Ancell, Michael
• Application Number:
  US11/888,682
• Publication Number:
  US 20090037339A1
• Time in Patent Office: Days
• US Class Current: 705/72
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A method is provided of a bank authenticating a bank customer desiring to electronically deposit at least one check. The method comprises receiving a secret password from the bank customer, retrieving information relating to the bank customer, receiving an image of a security document which has been optically scanned by the bank customer, extracting information from the image of the physical security document, and authenticating the bank customer when both the secret password received from the bank customer and the extracted information from the image of the security document match the retrieved information relating to the bank customer.

Claims

1. A method of a bank authenticating a bank customer desiring to electronically deposit at least one check, the method comprising:

receiving a secret password from the bank customer;

retrieving information relating to the bank customer;

receiving an image of a security document which has been optically scanned by the bank customer;

extracting information from the image of the physical security document; and

authenticating the bank customer when both the secret password received from the bank customer and the extracted information from the image of the security document match the retrieved information relating to the bank customer.

2. A method according to claim 1, wherein the extracted information comprises coded information.

3. A method according to claim 1, wherein the extracted information comprises uncoded information.

4. A method according to claim 1, wherein the secret password is received from the bank customer before image of the image of the security document is received from the bank customer.

5. A method according to claim 1, wherein the image of the security document is received from the bank customer before the secret password is received from the bank customer.

6. A method according to claim 1, wherein the image of the security document comprises an image of a check-sized security document.

7. A method of a bank authenticating a bank customer desiring to electronically deposit at least one check, the method comprising:

receiving a personal identification number (PIN) from the bank customer;

retrieving information relating to the bank customer;

receiving an image of a security document which has been optically scanned by the bank customer;

extracting information from the image of the physical security document; and

authenticating the bank customer when both the PIN received from the bank customer and the extracted information from the image of the security document match the retrieved information relating to the bank customer.

8. A method according to claim 7, wherein the extracted information comprises coded information.

9. A method according to claim 7, wherein the extracted information comprises uncoded information.

10. A method according to claim 7, wherein the PIN is received from the bank customer before image of the image of the security document is received from the bank customer.

11. A method according to claim 7, wherein the image of the security document is received from the bank customer before the PIN is received from the bank customer.

12. A method according to claim 7, wherein the image of the security document comprises an image of a check-sized security document.

13. A method of a bank customer conducting an electronic check deposit transaction with a bank, the method comprising:

entering a secret password to log onto a client computer remote from the bank and to allow the bank to retrieve customer information relating to the bank customer;

optically scanning a physical security document to lift an image of the security document;

transmitting the image of the security document to the bank to allow the bank to extract security information from the transmitted image of the security document; and

receiving from the bank a message which authenticates the bank customer when the extracted security information matches the retrieved customer information relating to the bank customer.

14. A method according to claim 13, wherein the extracted information comprises coded information.

15. A method according to claim 13, wherein the extracted information comprises uncoded information.

16. A method according to claim 13, wherein the bank customer enters the secret password before optically scanning the security document.

17. A method according to claim 13, wherein the bank customer optically scans the security document before entering the secret password.