Systems and methods for remote deposit of checks

• US 9,224,136 B1
• Filed: 03/20/2014
• Issued: 12/29/2015
• 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
• Application Number:
  US14/220,799
• Time in Patent Office: 649 Days
• Field of Search: 382/100, 382112-116, 382/135, 382137-140, 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, 382320-321, 705/44, 705/45, 705/42, 235/379, 709/219
• US Class Current: 1/1
• 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 system comprising:

a processor; and

a memory storing processor-executable instructions that, when executed by the processor, cause the processor to;

receive an account identification number, check amount indication, and check image, where the check image is an image of a check captured by a camera;

perform optical character recognition on the check image to determine a routing number for the check image;

validate the routing number for the check image; and

initiate a check deposit for the check image.

2. The system of claim 1, wherein the processor-executable instructions cause the processor to initiate the check deposit by provisionally crediting a financial account associated with the account identification number.

3. The system of claim 1, wherein the processor-executable instructions further cause the processor to forward the check image to a payor bank.

4. The system of claim 1, wherein the processor-executable instructions further cause the processor to overlay a bank stamp on the check image.

5. The system of claim 1, wherein the processor-executable instructions further cause the processor to determine whether a check shown in the check image was previously deposited.

6. The system of claim 1, wherein the processor-executable instructions further cause the processor to:

determine a check amount from the check image; and

compare the check amount determined from the check image with the received check amount indication.

7. A system comprising:

a plurality of processors, each having a memory associated therewith, that execute instructions to;

receive an account identification number, check amount indication, and check image, where the check image is an image of a check captured by a camera;

perform optical character recognition on the check image to determine a routing number for the check image;

validate the routing number for the check image; and

initiate a check deposit for the check image.

8. The system of claim 7, wherein the processor-executable instructions cause the plurality of processors to initiate the check deposit by provisionally crediting a financial account associated with the account identification number.

9. The system of claim 7, wherein the processor-executable instructions further cause the plurality of processors to forward the check image to a payor bank.

10. The system of claim 7, wherein the processor-executable instructions further cause the plurality of processors to overlay a bank stamp on the check image.

11. The system of claim 7, wherein the processor-executable instructions further cause the plurality of processors to determine whether a check shown in the check image was previously deposited.

12. The system of claim 7, wherein the processor-executable instructions further cause the plurality of processors to:

determine a check amount from the check image; and

compare the check amount determined from the check image with the received check amount indication.

13. The system of claim 7, wherein the processor-executable instructions further cause the plurality of processors to determine whether the check shown in the check image was previously deposited.

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

a plurality of processors, each having a memory associated therewith, configured to execute instructions to;

receive a customer identification of an account for a deposit;

receive an image of a front side of a check captured by a camera, wherein the image of the front side of the check is received from a remote device;

receive an image of a back side of the check captured by the camera, from the remote 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 the 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 at least a portion of the deposit information for the check.

15. The system of claim 14, wherein the processor-executable instructions cause the plurality of processors to initiate the check deposit by provisionally crediting a financial account associated with the account identification number.

16. The system of claim 14, wherein the processor-executable instructions further cause the plurality of processors to forward the check image to a payor bank.

17. The system of claim 14, wherein the processor-executable instructions further cause the plurality of processors to overlay a bank stamp on the check image.

18. The system of claim 14, wherein the processor-executable instructions

further cause the plurality of processors to:

determine a check amount from the check image; and

compare the check amount determined from the check image with the received check amount indication.