MOBILE SERVICES REMOTE DEPOSIT CAPTURE

• US 20130198071A1
• Filed: 01/28/2013
• Published: 08/01/2013
• Est. Priority Date: 01/27/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Jurss, Penny Diane
• Granted Patent: US 10,643,191 B2
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices

Abstract

Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number referred to as a (“PAN”) on the user'"'"'s mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. In one embodiment, the image can be obtained using image capture technology on the user'"'"'s mobile device. Users can then perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user'"'"'s mobile account in real-time or near real-time.

Claims

1. A method of performing a financial transaction using a mobile device, the method comprising:

capturing an image of a financial token on a user'"'"'s mobile device;

generating an image capture element from the captured image to be used for processing a transaction over a network;

receiving a selection from the user of a first account for the transaction from one or more accounts of the user, wherein a unique personal account identifier associated with a mobile account of the user is stored on the user'"'"'s mobile device and is linked with the one or more user accounts to enable payment to any of the accounts with the mobile device based on the personal account identifier; and

communicating the selected first account and an image capture element in a transaction request message to a server for processing the transaction based on the captured image.

2. The method of claim 1, wherein the transaction is one of a deposit, a payment, or cash load transaction.

3. The method of claim 1, wherein processing the captured image of the financial token comprises verifying the image is of acceptable quality for processing the transaction over the network.

4. The method of claim 1, further comprising generating a second message once the transaction has been authorized, the second message including a representation of the captured financial token to be sent to an image processing service.

5. The method of claim 1, further comprising storing an application adapted to perform the transaction in a memory of the mobile device.

6. The method of claim 1, wherein the one or more accounts of the user are associated with different account issuers.

7. The method of claim 1, further comprising capturing images of multiple financial tokens with the mobile device, wherein the multiple financial tokens are aggregated for processing in a single transaction.

8. The method of claim 1, wherein the image capture element includes the captured image itself or a verification of the captured image.

9. A method of performing a financial transaction using a mobile device, the method comprising:

receiving a transaction request message for a transaction based on an image of a financial token captured at a user'"'"'s mobile device, wherein the transaction request message includes a selection of a first account from one or more accounts of the user and an image capture element generated from the captured image to be used for processing a transaction over a network, and wherein a unique personal account identifier associated with a mobile account of the user is stored on the mobile device and is linked with the one or more user accounts to enable payment to any of the accounts with the mobile device based on the personal account identifier; and

communicating the transaction request message over a payment processing network to an issuer associated with the selected first account for authorization of the transaction.

10. The method of claim 9, wherein the transaction is one of a deposit, a payment, or cash load transaction.

11. The method of claim 9, wherein the transaction is processed in real-time or near real-time.

12. The method of claim 9, further comprising:

reformatting the transaction request message received in a first message format into a second message format; and

communicating the transaction request message to the issuer of the selected first account over the payment processing network in the second message format.

13. The method of claim 9, further comprising performing a set of security inspections on the financial token to verify its validity.

14. The method of claim 9, further comprising aggregating multiple financial tokens for processing as a single transaction.

15. A mobile device comprising:

an imaging component adapted to capture an image of a financial token on a user'"'"'s mobile device;

a processor configured to generate an image capture element from the captured image to be used for processing a transaction over a network;

a memory coupled with the processor and adapted to store a unique personal account identifier on the mobile device that is associated with a mobile account of the user, wherein the personal account identifier is linked with one or more accounts of the user to enable payment to any of the accounts based on the personal account identifier;

an input device adapted to receive a selection from the user of a first account for the transaction from the one or more user accounts linked with the personal account identifier; and

a transceiver to communicate the selected first account and an image capture element in a transaction request message to a server for authorization of the transaction.

16. The mobile device of claim 15, wherein the imaging component is further adapted to verify the image of the financial token is of acceptable quality for processing the transaction over a network.

17. The mobile device of claim 15, wherein the imaging component is further adapted to generate a second message once the transaction has been authorized, the second message including a representation of the captured financial token to be sent to an image processing service.

18. The mobile device of claim 15, wherein the memory is further adapted to store an application to perform the transaction.

19. A server comprising:

a processor configured to perform a financial transaction over a network initiated from a user'"'"'s mobile device;

a memory coupled to the processor and configured to store information for one or more accounts of the user that is linked with a unique personal account identifier associated with a mobile account of the user to enable payment to any of the accounts based on the personal account identifier;

a receiver adapted to receive a transaction request message for a transaction based on an image of a financial token captured at the user'"'"'s mobile device, wherein the transaction request message includes a selection of a first account from the one or more user accounts; and

a transmitter to communicate the transaction request message over a payment processing network to an issuer associated with the selected first account for authorization of the transaction.

20. The server of claim 19, wherein the transaction request message further includes account information of the first account and a verification of the image of the financial token.

21. The server of claim 19, wherein the transaction is communicated to the issuer for real-time or near real-time authorization.

22. The server of claim 19, further comprising a transaction processing component configured to reformat the transaction request message received in a first message format into a second message format to be communicated to an issuer of the selected first account over the payment processing network in the second message format.