Remote deposit capture compatible check image generation

• US 9,195,974 B2
• Filed: 03/13/2013
• Issued: 11/24/2015
• Est. Priority Date: 03/13/2013
• Status: Active Grant

• Current Assignee: Icashe Incorporated
• Original Assignee: Tyfone Incorporated
• Inventors: Narendra, Siva G., Bloodworth, Donald Allen, LeMoine, Dana B., Tadepalli, Prabhakar
• Primary Examiner(s): SHAH, UTPAL D
• Application Number:
  US13/802,481
• Publication Number:
  US 20140270461A1
• Time in Patent Office: 986 Days
• Field of Search: 382/137
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• 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 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: H04W 12/06 Authentication

Abstract

A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.

Claims

1. A computer-implemented method performed by a mobile device comprising:

creating a remote deposit capture (RDC) compatible check image by combining a pre-prepared check image with data provided by a payor;

authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device; and

transmitting the RDC compatible check image to the check control server only after authentication.

2. The computer-implemented method of claim 1 wherein the data provided by the payor includes a bank routing number and a bank account number.

3. The computer-implemented method of claim 1 wherein data provided by the payor does not include a bank routing number and a bank account number.

4. The computer-implemented method of claim 1 wherein the data provided by the payor is character recognized from a scanned image.

5. The computer-implemented method of claim 1 wherein the data provided by the payor is entered using keystrokes.

6. The computer-implemented method of claim 1 further comprising encrypting the RDC compatible check image prior to transmitting.

12. The computer-implemented method of claim 1 wherein authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device comprises using a smartcard secure element inside the mobile device.

13. The computer-implemented method of claim 1 wherein authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device comprises using a smartcard secure element inc communication with the mobile device using a radio.

14. The computer-implemented method of claim 1 wherein authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device comprises using a smartcard secure element in communication with the mobile device over a USB port.

7. A non-transitory computer readable storage medium storing one or more programs comprising instructions, which when executed by a mobile device, cause the mobile device to perform:

capturing a photograph of a blank check;

performing character recognition to extract static check data from the photograph of the blank check;

prompting a payor for dynamic check information to fill out a check;

combining the static check data and dynamic check data to create a remote deposit capture (RDC) compatible check image;

authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device; and

transmitting the RDC compatible check image to the check control server only after authentication.

8. The non-transitory computer readable storage medium of claim 7 further comprising encrypting the RDC compatible check image prior to transmitting.

9. The non-transitory computer readable storage medium of claim 7 wherein the static check data comprises a bank routing number.

10. The non-transitory computer readable storage medium of claim 7 wherein the dynamic check information includes payee information.

11. The non-transitory computer readable storage medium of claim 7 further comprising transmitting metadata representing personalized greeting information specified by the payor.

15. The non-transitory computer readable storage medium of claim 7 wherein authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device comprises using a smartcard secure element inside the mobile device.

16. The non-transitory computer readable storage medium of claim 7 wherein authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device comprises using a smartcard secure element inc communication with the mobile device using a radio.

17. The non-transitory computer readable storage medium of claim 7 wherein authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device comprises using a smartcard secure element in communication with the mobile device over a USB port.

18. A mobile device comprising:

a processor;

a smartcard secure element;

a memory; and

a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including instructions for;

prompting a payor for check information;

combining the information provided by the payor with a nonscanned check image to create a remote deposit capture (RDC) compatible check image;

authenticating a user of the mobile device to a check control server using a smartcard secure element in communication with the mobile device; and

transmitting the RDC compatible check image to the check control server only after authentication.

19. The mobile device of claim 18 further comprising encrypting the RDC compatible check image prior to transmitting.

20. The mobile device of claim 18 further comprising transmitting metadata representing personalized greeting information.