Systems and methods for verification of remotely deposited checks

• US 8,959,033 B1
• Filed: 03/15/2007
• Issued: 02/17/2015
• Est. Priority Date: 03/15/2007
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Oakes, Charles Lee III, Morlen, Randy Ray, Walls, Carol Ann, Gavia, Gabriel Glenn, Medina, Reynaldo III, Nuggehalli, R. Bharat
• Primary Examiner(s): Shaikh, Mohammad Z
• Application Number:
  US11/686,924
• Time in Patent Office: 2,896 Days
• Field of Search: 705 35- 45, 705/1.1
• US Class Current: 705/45
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 10/96 Management of image or video recognition tasks
• CPC Class Codes: G06V 40/172 Classification, e.g. identification
• CPC Class Codes: G06V 40/33 based only on signature image, e.g. static signature recognition

Abstract

Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting “face recognition” of a received check image to verify it'"'"'s authenticity and/or detecting MICR line indications that a check is no longer valid.

Claims

1. A server implemented method for processing a check, comprising:

receiving, by a server, a request from a customer-controlled device, the customer-controlled-device including a general purpose image capture device, to initiate a session;

transmitting, by the server to the customer-controlled device, software facilitating the session for processing the check; and

upon determining, by the server, if a customer meets at least one criteria of trustworthiness based on information included in the request, initiating the session by the server, wherein the server is further configured to facilitate the session by;

receiving an image of a first side of the check captured by the general purpose image capture device of the customer-controlled device during the session, wherein the image of the first side includes information identifying a Magnetic Ink Character Recognition (MICR) line portion;

analyzing in real time the image of the first side during the session;

identifying the MICR line portion based on the analysis during the session;

determining whether to process the check for a deposit transaction based on the identified MICR line portion during the session;

in response to successfully identifying the MICR line portion, transmitting a notification to the customer-controlled device that the check will be processed for the deposit transaction; and

processing the check to complete the deposit transaction.

2. The server implemented method of claim 1, wherein the image of the first side further includes monetary amount information, and the server further facilitates the session by:

identifying the monetary amount information based on the analysis;

determining whether to process the check for a deposit transaction based on the identified monetary amount information; and

in response to successfully identifying the MICR line portion and the monetary amount information, transmitting the notification to the customer-controlled device that the check will be processed for the deposit transaction.

3. The server implemented method of claim 1, wherein the server further facilitates the session by:

receiving an image of a second side of the check captured by the general purpose image capture device of the customer-controlled device, wherein the image of the second side includes an endorsement.

4. The server implemented method of claim 3, wherein the server further facilitates the session by:

analyzing in real time the image of the second side;

identifying the endorsement based on the analysis;

comparing the identified endorsement against an endorsement verification image to determine whether the identified endorsement matches the endorsement verification image; and

determining whether to process the check for a deposit transaction based on the comparison.

5. The server implemented method of claim 4, wherein the server further facilitates the session by:

in response to determining that the identified endorsement matches the endorsement verification image, transmitting the notification to the customer-controlled device that the check will be processed for the deposit transaction.

6. The server implemented method of claim 3, wherein the server further facilitates the session by:

analyzing in real time the image of the second side;

identifying the endorsement based on the analysis; and

determining whether to process the check for a deposit transaction based on the identified endorsement.

7. The server implemented method of claim 6, wherein the server further facilitates the session by:

in response to successfully identifying the MICR line portion and the endorsement, transmitting the notification to the customer-controlled device that the check will be processed for the deposit transaction.

8. The server implemented method of claim 1, wherein the server further facilitates the session by:

identifying whether the image of the first side includes an endorsement based on the analysis;

determining whether to process the check for a deposit transaction based on the identified endorsement; and

in response to successfully identifying the MICR line portion and the endorsement, transmitting the notification to the customer-controlled device that the check will be processed for the deposit transaction.

9. The method of claim 1, wherein the criteria of trustworthiness comprises at least one of the customer'"'"'s account standing, the customer'"'"'s level of assets, the duration of the customer'"'"'s relationship, or the number of financial service products held by the customer.

10. A server for processing a check, comprising:

a processor;

an interface in communication with the processor; and

wherein the processor is configured to;

receive a request from a customer-controlled device, the customer-controlled device including a general purpose image capture device, to initiate a session for processing a check;

transmit, from the server to the customer-controlled device, software facilitating the session for processing the check;

receive an image of a first side of the check, wherein the image of the first side includes information identifying a Magnetic Ink Character Recognition (MICR) line portion; and

determine whether a customer meets at least one criteria of trustworthiness based on information included in the request from the customer-controlled device, and when the customer meets the at least one criteria, initiate the session by the processor, wherein the processor is further configured to;

analyze in real time the image of the first side during the session;

identify the MICR line portion based on the analysis during the session;

determine whether to process the check for a deposit transaction based on the identified MICR line portion during the session;

in response to successfully identifying the MICR line portion, cause the transmission of a notification to the customer-controlled device that the check will be processed for the deposit transaction during the session; and

process the check to complete the deposit transaction.

11. The server of claim 10, wherein the image of the first side further includes monetary amount information, and the processor is further configured to facilitate the session to:

identify the monetary amount information based on the analysis;

determine whether to process the check for a deposit transaction based on the identified monetary amount information; and

in response to successfully identifying the MICR line portion and the monetary amount information, cause the transmission of the notification to the customer-controlled device that the check will be processed for the deposit transaction.

12. The server of claim 10, wherein the processor is further configured to facilitate the session to:

receive an image of a second side of the check captured by the general purpose image capture device of the customer-controlled device, wherein the image of the second side includes an endorsement.

13. The server of claim 12, wherein the processor is further configured to facilitate the session to:

analyze in real time the image of the second side;

identify the endorsement based on the analysis;

compare the identified endorsement against an endorsement verification image to determine whether the identified endorsement matches the endorsement verification image; and

determine whether to process the check for a deposit transaction based on the comparison.

14. The server of claim 13, wherein the processor is further configured to facilitate the session to:

in response to determining that the identified endorsement matches the endorsement verification image, cause a transmission of the notification to the customer-controlled device that the check will be processed for the deposit transaction.

15. The server of claim 12, wherein the processor is further configured to facilitate the session to:

analyze in real time the image of the second side;

identify the endorsement based on the analysis; and

determine whether to process the check for a deposit transaction based on the identified endorsement.

16. The server of claim 15, wherein the processor is further configured to facilitate the session to:

in response to successfully identifying the MICR line portion and the endorsement, cause the transmission of the notification to the customer-controlled device that the check will be processed for the deposit transaction.

17. The server of claim 10, wherein the processor is further configured to facilitate the session to:

analyze in real time the image of the first side;

identify whether the image of the first side includes an endorsement based on the analysis;

determine whether to process the check for a deposit transaction based on the identified endorsement; and

in response to successfully identifying the MICR line portion and the endorsement, cause the transmission of the notification to the customer-controlled device that the check will be processed for the deposit transaction.

18. The server of claim 10, wherein the criteria of trustworthiness comprises at least one of the customer'"'"'s account standing, the customer'"'"'s level of assets, the duration of the customer'"'"'s relationship, or the number of financial service products held by the customer.

19. A non-transitory computer readable medium storing instructions executable by a processor of a server, the processor of the server executing the instructions to:

receive a request from a customer-controlled computing device, the customer-controlled device including a general purpose image capture device, to initiate a session;

transmit, from the server to the customer-controlled device, software facilitating the session for processing a check;

determine whether a customer meets at least one criteria of trustworthiness based on information included in the request, and when the customer meets the at least one criteria, initiate the session by the processor of the server, wherein the processor of the server is further configured to facilitate the session by executing instructions to;

receive an image of a first side of the check during the session, wherein the image of the first side includes information identifying a Magnetic Ink Character Recognition (MICR) line portion;

analyze in real time the image of the first side during the session;

identify the MICR line portion based on the analysis during the session;

determine whether to process the check for a deposit transaction based on the identified MICR line portion during the session;

in response to successfully identifying the MICR line portion, cause a transmission of a notification to the customer-controlled device that the check will be processed for the deposit transaction during the session; and

process the check to complete the deposit transaction.

20. The non-transitory computer readable medium of claim 19, wherein the image of the first side further includes monetary amount information, and the processor of the server further executing the instructions to facilitate the session to:

identify the monetary amount information based on the analysis;

determine whether to process the check for a deposit transaction based on the identified monetary amount information; and

in response to successfully identifying the MICR line portion and the monetary amount information, cause the transmission of the notification to the customer-controlled device that the check will be processed for the deposit transaction.

21. The non-transitory computer readable medium of claim 19, the processor of the server further executing the instructions to facilitate the session to:

receive an image of a second side of the check captured by the general purpose image capture device of the customer-controlled device, wherein the image of the second side includes an endorsement.

22. The non-transitory computer readable medium of claim 21, the processor of the server further executing the instructions to facilitate the session to:

analyze in real time the image of the second side;

identify the endorsement based on the analysis;

compare the identified endorsement against an endorsement verification image to determine whether the identified endorsement matches the endorsement verification image; and

determine whether to process the check for a deposit transaction based on the comparison.

23. The non-transitory computer readable medium of claim 22, the processor of the server further executing the instructions to facilitate the session to:

in response to determining that the identified endorsement matches the endorsement verification image, cause a transmission of the notification to the customer-controlled device that the check will be processed for the deposit transaction.

24. The non-transitory computer readable medium of claim 21, the processor of the server further executing the instructions to facilitate the session to:

analyze in real time the image of the second side;

identify the endorsement based on the analysis; and

determine whether to process the check for a deposit transaction based on the identified endorsement.

25. The non-transitory computer readable medium of claim 24, the processor of the server further executing the instructions to facilitate the session to:

in response to successfully identifying the MICR line portion and the endorsement, cause the transmission of the notification to the customer-controlled device that the check will be processed for the deposit transaction.

26. The non-transitory computer readable medium of claim 19, the processor of the server further executing the instructions to facilitate the session to:

analyze in real time the image of the first side;

identify whether the image of the first side includes an endorsement based on the analysis;

determine whether to process the check for a deposit transaction based on the identified endorsement; and

in response to successfully identifying the MICR line portion and the endorsement, cause the transmission of the notification to the customer-controlled device that the check will be processed for the deposit transaction.

27. The non-transitory computer readable medium of claim 19, wherein the criteria of trustworthiness comprises at least one of the customer'"'"'s account standing, the customer'"'"'s level of assets, the duration of the customer'"'"'s relationship, or the number of financial service products held by the customer.