Systems and methods for remote deposit of checks

• US 8,708,227 B1
• Filed: 10/31/2006
• Issued: 04/29/2014
• Est. Priority Date: 10/31/2006
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Oakes, III, Charles Lee, Morlen, Randy Ray, Morris, Michael Frank, Medina, III, Reynaldo, Harpel, Greg Alan, Gavia, Gabriel Glenn, Nuggehalli, R. Bharat Prasad, Major, Frank Kyle, Pollack, Jeffrey Neal
• Primary Examiner(s): FELTEN, DANIEL S
• Application Number:
  US11/590,974
• Time in Patent Office: 2,737 Days
• Field of Search: 235/379, 235/380, 705/45
• US Class Current: 235/379
• CPC Class Codes: G06K 7/10861 sensing of data fields affixed to objects or articles, e.g. coded labels postal sorting B07C3/14, conveying articles B65G47/48
• 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 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/16 Image preprocessing
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: G06V 30/40 Document-oriented image-based pattern recognition
• CPC Class Codes: G06V 40/12 Fingerprints or palmprints
• CPC Class Codes: H04N 1/00204 with a digital computer or a digital computer system, e.g. an internet server programmed control between transmitter and receiver or between image input and image output device H04N1/32561
• CPC Class Codes: H04N 1/00244 with a server, e.g. an internet server fax-servers or the like for store and forward H04N1/324
• 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 1/00816 Determining the reading area, e.g. eliminating reading of margins
• CPC Class Codes: H04N 1/387 Composing, repositioning or otherwise geometrically modifying originals
• CPC Class Codes: H04N 1/403 Discrimination between the two tones in the picture signal of a two-tone original
• CPC Class Codes: H04N 2101/00 Still video cameras
• CPC Class Codes: H04N 2201/001 Sharing resources, e.g. processing power or memory, with a connected apparatus or enhancing the capability of the still picture apparatus
• CPC Class Codes: H04N 2201/0084 : Digital still camera
• CPC Class Codes: H04N 2201/0096 : Portable devices
• CPC Class Codes: H04N 23/632 : for displaying or modifying preview images prior to image capturing, e.g. variety of image resolutions or capturing parameters
• CPC Class Codes: H04N 23/64 : Computer-aided capture of images, e.g. transfer from script file into camera, check of taken image quality, advice or proposal for image composition or decision on when to take image

Abstract

Remote deposit of checks can be facilitated by a financial institution. A customer'"'"'s general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Claims

1. A system for facilitating deposit of a check, said system comprising:

a memory storing a plurality of processor executable instructions; and

a processor in communication with said memory, said processor configured to execute the plurality of processing instructions to;

provide a remote deposit processing component to a depositor owned device communicatively coupled to a general purpose image capture device;

receive from the remote deposit processing component on the depositor owned device an identification of an account for deposit of a check, and an amount of said check;

provide instructions to the remote deposit processing component, said instructions instructing a depositor to;

position said check with respect to said image capture device to produce an initial image including an image of a front side of said check;

identify selected points of said initial image to enable cropping of said initial image beyond a boundary of the front side of said check; and

approve a cropped portion of said initial image, the cropped portion including said image of the front side of said check; and

receive from said depositor owned device said image of the front side of said check;

analyze said image of the front side of said check to determine whether said image of the front side of said check meets at least one criterion;

perform Optical Character Recognition (OCR) on said image of the front side of said check;

determine whether there is an error in said deposit of said check, by validating a routing number associated with said check, determining whether said check was previously deposited, and comparing said amount of said check to an amount determined by performing OCR on said image; and

initiate said deposit of said check into said account.

2. The system for facilitating deposit of a check of claim 1, wherein the processor is further configured to execute the plurality of instructions to authenticate an identity of a customer that is operating said depositor owned device.

3. The system for facilitating deposit of a check of claim 1, wherein the processor is further configured to execute the plurality of instructions to receive from said depositor owned device an image of a back side of said check.

4. The system for facilitating deposit of a check of claim 3, wherein the processor is further configured to execute the plurality of instructions to determine whether a signature appears on said back side of said check.

5. A processor-implemented method for facilitating deposit of a check, said method comprising a processor:

providing a remote deposit processing component to a depositor owned device communicatively coupled to a general purpose image capture device;

receiving from the remote deposit processing component on the depositor owned device an identification of an account for deposit of a check, and an amount of said check;

providing instructions to the remote deposit processing component, said instructions instructing a depositor to;

position said check with respect to said image capture device to produce an initial image including an image of a front side of said check;

identify selected points of said initial image to enable cropping of said initial image beyond a boundary of the front side of said check; and

approve a cropped portion of said initial image, the cropped portion including said image of the front side of said check; and

receiving from said depositor owned device said image of the front side of said check;

performing Optical Character Recognition (OCR) on said image of the front side of said check;

analyzing said image of the front side of said check to determine whether said image of the front side of said check meets at least one criterion;

determining whether there is an error in said deposit of said check, said determining comprising validating a routing number associated with said check, determining whether said check was previously deposited, and comparing said amount of said check to an amount determined by performing OCR on said image; and

initiating said deposit of said check into said account.

6. The method for facilitating deposit of a check of claim 5, further comprising authenticating an identity of a customer that is operating said depositor owned device.

7. The method for facilitating deposit of a check of claim 5, further comprising receiving from said depositor owned device an image of a back side of said check.

8. The method for facilitating deposit of a check of claim 7, wherein said determining whether there is an error in said deposit of said check comprises determining if a signature appears on said back side of said check.

9. A non-transitory computer-readable storage medium comprising computer-executable instructions, that when executed by a processor, causes the processor to:

provide a remote deposit processing component to a depositor owned device communicatively coupled to a general purpose image capture device;

receive from the remote deposit processing component on the depositor owned device an identification of an account for deposit of a check, and an amount of said check;

provide instructions to the remote deposit processing component, said instructions instructing a depositor to;

position said check with respect to said image capture device to produce an initial image including an image of a front side of said check;

identify selected points of said initial image to enable cropping of said initial image beyond a boundary of the front side of said check; and

approve a cropped portion of said initial image, the cropped portion including said image of the front side of said check; and

receive from said depositor owned device said image of the front side of said check;

perform Optical Character Recognition (OCR) on said image of the front side of said check;

analyze said image of the front side of said check to determine whether said image of the front side of said check meets at least one criterion;

determine whether there is an error in said deposit of said check, by validating a routing number associated with said check, determining whether said check was previously deposited, and comparing said amount of said check to an amount determined by performance of the OCR on said image; and

initiate said deposit of said check into said account.

10. The non-transitory computer-readable medium of claim 9 further comprising instructions, which when executed by the processor, cause the processor to:

authenticate an identity of a customer that is operating said customer owned device.

11. The non-transitory computer-readable medium of claim 9, wherein the instructions to receive from said customer owned device cause the processor to:

receive from said depositor owned device an image of a back side of said check.

12. The non-transitory computer-readable medium of claim 11, wherein the instructions to determine cause the processor to:

determine whether a signature appears on said back side of said check.