DISTRIBUTED PROCESSING OF A CHECK IMAGE

• US 20140046841A1
• Filed: 08/09/2012
• Published: 02/13/2014
• Est. Priority Date: 08/09/2012
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Gauvin, Timmy L., Cantley, Kerry M., Bennett, Deborah N., Sandoz, Eric S., Williams, Geoffrey R., Ronca, James G.
• Granted Patent: US 9,721,236 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions.

Claims

1. A method for processing a digital image of a negotiable instrument, the negotiable instrument comprising an order of a drawer, the order instructing a drawee to pay an amount to a payee, the method comprising:

receiving the negotiable instrument from the payee;

producing a digital image of the negotiable instrument;

generating a transaction record based on the digital image;

transmitting the transaction record to the drawee;

receiving, from the drawee, a result of a fraud detection analysis, the fraud detection analysis based on the transaction record; and

accepting the negotiable instrument from the payee.

2. The method of claim 1, wherein:

the receiving of the negotiable instrument is at an automated teller machine (“

ATM”

); and

the accepting of the negotiable instrument is at the ATM.

3. The method of claim 1, the generating the transaction record comprising extracting, from the digital image, a signature of the drawer on the negotiable instrument.

4. The method of claim 3, the generating the transaction record further comprising generating text data corresponding to:

a numerical identifier of the negotiable instrument;

the amount;

the drawer;

the drawee;

the payee; and

an account number on the negotiable instrument.

5. The method of claim 4, the fraud detection analysis comprising comparing the signature of the drawee on the negotiable instrument to a signature file associated with the account number on the negotiable instrument.

6. The method of claim 4, the fraud detection analysis comprising comparing the amount to a plurality of amounts associated with the account number.

7. The method of claim 4, the fraud detection analysis comprising comparing the amount to a plurality of amounts associated with the payee.

8. The method of claim 1, when the transaction record is a first transaction record, the fraud detection analysis comprises the drawee comparing the first transaction record to a second transaction record.

9. The method of claim 1, the accepting comprising agreement by the drawer to pay the amount to a bank of the payor.

10. An article of manufacture comprising a computer usable medium having computer readable program code embodied therein for requesting a deposit of a negotiable instrument, the negotiable instrument comprising an order of a drawer, the order instructing a drawee to pay an amount to a payee, the computer readable program code in said article of manufacture comprising:

computer readable program code for causing a computer associated with a depositary bank to generate a digital image of the negotiable image;

computer readable program code for causing the computer to generate a transaction record based on the digital image;

computer readable program code for causing the computer to transmit the transaction record to the drawee;

computer readable program code for causing the computer to receive a fraud indicator from the drawee, the fraud indicator based on the transaction record; and

computer readable program code for causing the computer to, based on the fraud indicator, decline crediting the amount to an account of the payee.

11. The article of claim 10, further comprising computer readable program code for causing the computer to capture an image of an individual submitting the negotiable instrument to the depositary bank.

12. The article of claim 10, further comprising computer readable program code for causing the computer to:

locate a signature of the drawer in the digital image of the negotiable instrument;

extract the signature from the digital image; and

include the signature in the transaction record.

13. The article of claim 10, further comprising computer readable program code for causing the computer to decline crediting the amount to an account of the payee based on comparing a signature on the negotiable instrument and a known signature of the drawer.

14. A system for processing a request of a payor to transfer funds to a payee, the system comprising:

a self-service kiosk associated with a first financial institution, the self-service kiosk comprising;

a scanner configured to capture a digital image of a negotiable instrument;

a first processor device programmed to construct a transaction record based on the digital image;

a fraud-detection apparatus associated with a second financial institution, the apparatus comprising a second processor device programmed to derive a fraud indicator based on the transaction record;

a financial network linking the first financial institution and the second financial institution, the network configured to route;

the transaction record from the self-service kiosk to the fraud-detection apparatus; and

the fraud indicator from the fraud-detection apparatus to the self-service kiosk.

15. The system of claim 14, the transaction record comprising a signature extracted from the digital image.

16. The system of claim 14, the transaction record comprising text derived from a segment of the negotiable instrument, the segment extracted from the digital image.

17. The system of claim 14, the transaction record comprising a logo extracted from the digital image.

18. The system of claim 16, the fraud detection apparatus configured to derive the fraud indicator based on comparing the text derived from the segment of the negotiable instrument to historical data associated with the payor.

19. The system of claim 14, the fraud detection apparatus configured to derive the fraud indicator based on a purchase pattern associated with the payor.

20. A network configured to route an authentication request from a first financial institution to a second financial institution, the network comprising:

a first node associated with the first institution, the first node configured to;

capture a digital image of a negotiable instrument;

transmit, to the second institution, the authentication request, the authentication request comprising a transaction record derived from the digital image of the negotiable instrument; and

receive a fraud indicator from the second institution, the fraud indicator based on the transaction record; and

a second node associated with the second institution, the second node configured to;

receive the authentication request from the first institution; and

transmit the fraud indicator to the first institution.