MOBILE DEPOSIT SYSTEM FOR DIGITAL IMAGE AND TRANSACTION MANAGEMENT

• US 20150142645A1
• Filed: 10/17/2014
• Published: 05/21/2015
• Est. Priority Date: 11/05/2004
• Status: Active Grant

• Current Assignee: RDM Corporation (Deluxe Corp.)
• Original Assignee: RDM Corporation (Deluxe Corp.)
• Inventors: Heit, Graham, Shamroni, Dima, Botejue, Dhammika, Kavanagh, John
• Granted Patent: US 10,037,513 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• 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 20/40 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 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04N 1/00241 using an image reading device as a local input to a computer input via network, e.g. network scanners H04N1/00225
• CPC Class Codes: H04N 1/00286 with studio circuitry, devices or equipment, e.g. television cameras television studio circuitry, devices or equipment per se H04N5/222
• CPC Class Codes: H04N 1/00307 with a mobile telephone apparatus constructional features of portable telephone sets H04M1/0202; mobile radio systems H04W84/00
• CPC Class Codes: H04N 2101/00 Still video cameras
• CPC Class Codes: H04N 2201/0084 Digital still camera
• CPC Class Codes: H04N 2201/0096 Portable devices
• CPC Class Codes: H04N 7/185 from a mobile camera, e.g. for remote control

Abstract

A central system for receiving captured transaction data from a plurality of remote capture devices over a network, the remote capture devices including a mobile device type and a fixed location device type, the system comprising: a receipt module to receive the captured transaction data; a processing module to process the received captured transaction data; and a storage module to store the processed transaction data such that characteristic data of the mobile device type is associated with the stored transaction data for said processed transaction data originating from a remote capture device of the mobile device type.

Claims

1. A central system for receiving captured transaction data from a plurality of remote capture devices over a network, the remote capture devices including a mobile device type and a fixed location device type, the system comprising:

a receipt module to receive the captured transaction data;

a processing module to process the received captured transaction data; and

a storage module to store the processed transaction data such that characteristic data of the mobile device type is associated with the stored transaction data for said processed transaction data originating from a remote capture device of the mobile device type.

2. The system of claim 1, wherein the receipt module is a communications module configured to receive said captured transaction data from the plurality of remote capture devices of both the mobile device type and the fixed location device type.

3. The system of claim 2, wherein the processing module is configured to process said captured transaction data only of the mobile device type is identified by the characteristic data.

4. The system of claim 3, wherein the processing module is a scanner emulator module.

5. The system of claim 2, wherein the processing module is configured to process said captured transaction data only of the fixed location device type.

6. The system of claim 1 further comprising the receipt module is a component of the processing module and is configured to receive said captured transaction data only from the mobile device type of the plurality of remote capture devices based on the characteristic data being associated with said captured transaction data when received.

7. The system of claim 6, wherein the receipt module is a web service exposed only to the mobile plurality of remote capture devices of the device type for facilitating upload of corresponding said captured transaction data to the central system based on the characteristic data being associated with said captured transaction data when received.

8. The system of claim 6 further comprising a plurality of image processing functions configured for the processing module as a scanner emulator module for modifying an image component of said captured transaction data to emulate a defined scanner format, based on recognition of the characteristic data associated with said captured transaction data.

9. The system of claim 8, wherein an imager coupled to the remote capture device of the mobile device type is a camera that can be positioned in an arbitrary user selected orientation with respect to a paper source document of said captured transaction data.

10. The system of claim 9, wherein the mobile device type includes remote capture devices that have a variable geographic entry point to the network based on proximity to the nearest network entry point to the remote capture device.

11. A method for receiving captured transaction data from a plurality of remote capture devices over a network, the remote capture devices including a mobile device type and a fixed location device type, the method comprising the steps of:

receiving the captured transaction data;

processing the received captured transaction data; and

storing the processed transaction data such that characteristic data of the mobile device type is associated with the stored transaction data for said processed transaction data originating from a remote capture device of the mobile device type.

12. The method of claim 11, wherein the receiving step is implemented by a communications module configured to receive said captured transaction data from the plurality of remote capture devices of both the mobile device type and the fixed location device type.

13. The method of claim 12, wherein the processing module is configured to process said captured transaction data only of the mobile device type.

14. The method of claim 13, wherein the processing module is a scanner emulator module.

15. The method of claim 12, wherein the processing module is configured to process said captured transaction data only of the fixed location device type.

16. The method of claim 11 further comprising the receiving step and the processing step being implemented on the same module configured to receive said captured transaction data only from the mobile device type of the plurality of remote capture devices.

17. The method of claim 16, wherein the same module is a web service exposed only to the mobile plurality of remote capture devices of the device type for facilitating upload of corresponding said captured transaction data to the central system.

18. The method of claim 16 further comprising the step of applying a plurality of image processing functions as a scanner emulator module to modify an image component of said captured transaction data to emulate a defined scanner format.

19. The method of claim 18, wherein an imager coupled to the remote capture device of the mobile device type is a camera that can be positioned in an arbitrary user selected orientation with respect to a paper source document of said captured transaction data.

20. The method of claim 19, wherein the mobile device type includes remote capture devices that have a variable geographic entry point to the network based on proximity to the nearest network entry point to the remote capture device.