Systems and methods for remote deposit of checks

• US 8,732,081 B1
• Filed: 02/12/2013
• Issued: 05/20/2014
• Est. Priority Date: 10/31/2006
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Oakes, Charles Lee III, Morlen, Randy Ray, Prasad, Bharat, Huth, Troy Bartlette
• Primary Examiner(s): AZARIAN, SEYED H
• Application Number:
  US13/765,412
• Time in Patent Office: 462 Days
• Field of Search: 382/100, 382112-116, 382/135, 382/137, 382138-140, 382/155, 382/168, 382181-182, 382/187, 382190-203, 382/232, 382/260, 382/274, 382/276, 382/287, 382/294, 382/295, 382/305, 382/312, 382/320, 382/321, 709/219, 705/45, 705/64, 705/43, 235/379
• 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 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• 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 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: G06V 40/33 based only on signature image, e.g. static signature recognition

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 method for processing a check deposit, comprising:

through a computing system of a financial institution;

receiving a customer identification of an account for a deposit;

receiving an image of a front side of a check, wherein the image of the front side of the check is received from a customer-controlled device;

receiving an image of the back side of the check from the customer-controlled device;

processing the image of the front side of the check to obtain deposit information for the check;

processing the image of the back side of the check to determine whether a mark is present,

wherein processing the image of the back side of the check comprises;

determining whether a mark is present at an endorsement location in the image of the back side of the check without further performing a signature identification procedure; and

generating a log file, the log file comprising the deposit information for the check.

2. The method of claim 1, comprising determining whether the mark is present at the endorsement location in the image of the back side of the check without further performing an Optical Character Recognition procedure at the endorsement location.

3. The method of claim 1, wherein processing the image of the front side of the check comprises performing Optical Character Recognition on the front side of the check.

4. A system for processing a check deposit, comprising:

a memory storing processing instructions;

a processor in communication with the memory and configured to execute the processing instructions to;

receive a customer identification of an account for a deposit;

receive an image of a front side of a check, wherein the image of the front side of the check is received from a customer-controlled device;

receive an image of the back side of the check from the customer-controlled device;

process the image of the front side of the check to obtain deposit information for the check;

process the image of the back side of the check to determine whether a mark is present on image of the back side of the check by;

determining whether a mark is present at an endorsement location in the image of the back side of the check without further performing a signature identification procedure; and

generate a log file, the log file comprising the deposit information for the check.

5. The system of claim 4, wherein the processor is configured to determine whether the mark is present at the endorsement location in the image of the back side of the check without further performing an Optical Character Recognition procedure at the endorsement location.

6. The system of claim 4, wherein the processor is configured to process the image of the front side of the check by performing Optical Character Recognition on the front side of the check.

7. A non-transitory computer readable medium comprising:

processing instructions that, when executed by a processor, cause the processor to;

receive a customer identification of an account for a deposit;

receive an image of a front side of a check, wherein the image of the front side of the check is received from a customer-controlled device;

receive an image of the back side of the check from the customer-controlled device;

process the image of the front side of the check to obtain deposit information for the check;

process the image of the back side of the check to determine whether a mark is present on image of the back side of the check by;

determining whether a mark is present at an endorsement location in the image of the back side of the check without further performing a signature identification procedure; and

generate a log file, the log file comprising the deposit information for the check.

8. The non-transitory computer readable medium of claim 7, wherein the processing instructions cause the processor to determine whether the mark is present at the endorsement location in the image of the back side of the check without further performing an Optical Character Recognition procedure at the endorsement location.