Remote deposit capture system with check image generation and storage

• US 9,230,282 B2
• Filed: 03/13/2013
• Issued: 01/05/2016
• 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:
  US13/802,516
• Publication Number:
  US 20140270463A1
• Time in Patent Office: 1,028 Days
• Field of Search: None
• US Class Current: 1/1
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• 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 20/08 Payment architectures
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• 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 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/128 Check-book balancing, updating or printing arrangements
• CPC Class Codes: H04L 63/04 for providing a confidential data exchange among entities communicating through data packet networks
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys

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 remote deposit system comprising:

a server to store remote deposit capture (RDC) compatible check images;

a first application program to be executed by a first mobile device separate from the server, wherein the first application program includes 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; and

transmitting the RDC compatible check image to the server; and

a second application program to be executed by a second mobile device separate from the server, wherein the second application program includes instructions for;

prompting a payee to either take a picture of a check for remote deposit or to receive the RDC compatible check image from the server;

in response to the payee selecting to receive the RDC compatible check image, authenticating the payee to the server using a smartcard secure element in communication with the second mobile device and receiving the RDC compatible check image from the server only after authenticating; and

forwarding the RDC compatible check image to a financial institution for deposit.

2. The remote deposit system of claim 1 wherein the first application program further includes instructions for encrypting the RDC compatible check image prior to transmitting.

3. The remote deposit system of claim 1 wherein the first application program further includes instructions for prompting the payor for check image metadata.

4. The remote deposit system of claim 3 wherein the first application program further includes instructions for transmitting the check image metadata to the server.

5. The remote deposit system of claim 3 wherein the check image metadata represents personalized greeting information.

6. The remote deposit system of claim 5 wherein the personalized greeting information represents a graphic to be displayed to the payee.

7. A remote deposit system comprising:

a server to store remote deposit capture (RDC) compatible check images; and

a first mobile device having a memory with a first stored application program, wherein the first stored application program includes instructions that when executed by the first mobile device result in the first mobile device;

prompting a payor for check information;

creating an RDC compatible check image by combining a pre-prepared check image with data provided by the payor; and

transmitting the RDC compatible check image to the server for later remote deposit; and

a second mobile device having a memory with a second stored application program, wherein the second stored application program includes instructions that when executed by the second mobile device result in the second mobile device;

prompting a payee to either take a picture of a check for remote deposit or to receive the RDC compatible check image from the server;

in response to the payee selecting to receive the RDC compatible check image, authenticating the payee to the server using a smartcard secure element in communication with the second mobile device and receiving the RDC compatible check image from the server only after authenticating; and

forwarding the RDC compatible check image to a financial institution for deposit.

8. The remote deposit system of claim 7 wherein the check information provided by the payor includes a bank routing number and a bank account number.

9. The remote deposit system of claim 7 wherein check information provided by the payor does not include a bank routing number and a bank account number.

10. The remote deposit system of claim 7 wherein the check information provided by the payor is character recognized from a scanned image.

11. The remote deposit system of claim 7 wherein the check information provided by the payor includes payee information.

12. The remote deposit system of claim 7 wherein the check information provided by the payor is entered using keystrokes.

13. The remote deposit system of claim 7 wherein the first application program further includes instructions for encrypting the RDC compatible check image prior to transmitting.

14. The remote deposit system of claim 7 wherein prompting a payor for check information comprises allowing the payor to select a contact stored on the mobile device.

15. A remote deposit system comprising:

a server to store remote deposit capture (RDC) compatible check images; and

a first mobile device having a non-transitory computer readable storage medium storing one or more programs comprising instructions, which when executed by the first mobile device, cause the first 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; and

transmitting the RDC compatible check image to the server; and

a second mobile device having a non-transitory computer readable storage medium storing one or more programs comprising instructions, which when executed by the second mobile device, cause the second mobile device to perform;

prompting a payee to either take a picture of a check for remote deposit or to receive the RDC compatible check image from the server; and

in response to the payee selecting to receive the RDC compatible check image, authenticating the payee to the server using a smartcard secure element in communication with the second mobile device and receiving the RDC compatible check image from the server only after authenticating; and

forwarding the RDC compatible check image to a financial institution for deposit.

16. The remote deposit system of claim 15 further comprising instructions that when executed cause the first mobile device to encrypt the RDC compatible check image prior to transmitting.

17. The remote deposit system of claim 15 wherein a decryption key is stored on the server to be provided to a payee.

18. The remote deposit system of claim 15 wherein the static check data comprises a bank routing number.

19. The remote deposit system of claim 15 wherein the dynamic check information includes payee information.

20. The remote deposit system of claim 15 further comprising instructions that when executed cause the first mobile device to transmit metadata representing personalized greeting information specified by the payor.