Systems and methods to use a digital camera to remotely deposit a negotiable instrument
First Claim
1. A method for depositing funds of a negotiable instrument, the method executable by a computing device having a processor and memory, comprising:
- accessing a digital picture of the negotiable instrument, the digital picture captured with a digital camera in communication with the computing device;
warping, by the processor, the digital picture to remove a distortion by;
determining a histogram of the digital picture, wherein the histogram comprises a plurality of values of pixels of the digital picture;
flooring at least one value of the plurality of values of the pixels;
filtering at least a portion of the digital picture;
determining at least one corner of the digital picture; and
mapping the pixels of the digital picture into an output image based on the at least one determined corner;
creating a digital image file with the computing device, wherein the digital image file comprises the output image;
transmitting the digital image file; and
transmitting, by the computing device, a request to deposit the funds of the negotiable instrument using the digital image file.
1 Assignment
0 Petitions
Accused Products
Abstract
To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user'"'"'s account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.
-
Citations
18 Claims
-
1. A method for depositing funds of a negotiable instrument, the method executable by a computing device having a processor and memory, comprising:
-
accessing a digital picture of the negotiable instrument, the digital picture captured with a digital camera in communication with the computing device; warping, by the processor, the digital picture to remove a distortion by; determining a histogram of the digital picture, wherein the histogram comprises a plurality of values of pixels of the digital picture; flooring at least one value of the plurality of values of the pixels; filtering at least a portion of the digital picture; determining at least one corner of the digital picture; and mapping the pixels of the digital picture into an output image based on the at least one determined corner; creating a digital image file with the computing device, wherein the digital image file comprises the output image; transmitting the digital image file; and transmitting, by the computing device, a request to deposit the funds of the negotiable instrument using the digital image file. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A system for depositing funds of a negotiable instrument, comprising:
-
a processor and a memory, the processor configured to access a digital picture of the negotiable instrument captured with a digital camera in communication with the processor and saved in the memory; wherein, to warp the digital picture to remove a distortion, the processor is further configured to; determine a histogram of the digital picture, wherein the histogram comprises a plurality of values of pixels of the digital picture; floor at least one value of the plurality of values of the pixels; filter at least a portion of the digital picture; determine at least one corner of the digital picture; and map the pixels of the digital picture into an output image based on the at least one determined corner; and wherein the processor is further configured to; create a digital image file with the output image; transmit the digital image file; and transmit a request to deposit the funds of the negotiable instrument using the digital image file. - View Dependent Claims (8, 9, 10, 11, 12)
-
-
13. A non-transitory computer-readable medium comprising computer-readable instructions executable by a processor and memory for depositing funds of a negotiable instrument, the computer-readable instructions comprising instructions to direct the processor to:
-
access a digital picture of the negotiable instrument saved in the memory, the digital picture captured with a digital camera in communication with the processor; warp the digital picture to remove a distortion by directing the processor to; determine a histogram of the digital picture, wherein the histogram comprises a plurality of values of pixels of the digital picture; floor at least one value of the plurality of values of the pixels; filter at least a portion of the digital picture; determine at least one corner of the digital picture; and map the pixels of the digital picture into an output image based on the at least one determined corner; create a digital image file comprising the output image; transmit the digital image file; and transmit a request to deposit the funds of the negotiable instrument using the digital image file. - View Dependent Claims (14, 15, 16, 17, 18)
-
Specification