Mobile check issue capture system and method
First Claim
1. A system for assembling information contained within a financial instrument for subsequent verification of the financial instrument, the financial instrument including an identifier corresponding to a payee of the financial instrument, the payee being different from a payer of the financial instrument, comprising:
- an information generation device, comprisingan image capture device configured to capture an image of an object, anda first communication circuit configured to communicate the extracted information over a network; and
a verification device remote from the information generation device, the verification device comprisinga second communication circuit configured to communicate with the first communication circuit over a network, anda database for storing information corresponding to financial instruments, said information for use during a subsequent verification process, wherein the verification device is configured to at least one ofi) receive from the information generation device information extracted from an image of the financial instrument and store the extracted information in the database, said image captured prior to transfer of the financial instrument to the payee, orii) receive an image of the financial instrument captured from the information generation device, extract information from the image, and store the extracted information in the database, said image captured prior to transfer of the financial instrument to the payee, andthe verification device further configured to perform a verification process upon the financial instrument being presented for payment, said verification process comprising comparing information on the financial instrument as presented for payment with corresponding information stored in the database and obtained prior to transfer of the financial instrument to the payee.
5 Assignments
0 Petitions
Accused Products
Abstract
A system and method is presented for assembling information contained within a financial instrument for subsequent verification of the financial instrument, wherein the financial instrument includes an identifier corresponding to a payee of the financial instrument. An imaging device, such as, for example, a mobile phone or the like, is used to obtain an image of the financial instrument prior to the financial instrument being transferred to the payee. Information is extracted from the image of the financial instrument, and the information is transferred to a storage area that is separate and remote from the imaging device.
17 Citations
10 Claims
-
1. A system for assembling information contained within a financial instrument for subsequent verification of the financial instrument, the financial instrument including an identifier corresponding to a payee of the financial instrument, the payee being different from a payer of the financial instrument, comprising:
-
an information generation device, comprising an image capture device configured to capture an image of an object, and a first communication circuit configured to communicate the extracted information over a network; and a verification device remote from the information generation device, the verification device comprising a second communication circuit configured to communicate with the first communication circuit over a network, and a database for storing information corresponding to financial instruments, said information for use during a subsequent verification process, wherein the verification device is configured to at least one of i) receive from the information generation device information extracted from an image of the financial instrument and store the extracted information in the database, said image captured prior to transfer of the financial instrument to the payee, or ii) receive an image of the financial instrument captured from the information generation device, extract information from the image, and store the extracted information in the database, said image captured prior to transfer of the financial instrument to the payee, and the verification device further configured to perform a verification process upon the financial instrument being presented for payment, said verification process comprising comparing information on the financial instrument as presented for payment with corresponding information stored in the database and obtained prior to transfer of the financial instrument to the payee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A method for assembling information contained within a financial instrument for subsequent verification of the financial instrument, the financial instrument including an identifier corresponding to a payee of the financial instrument, the method comprising:
-
using an imaging device to obtain an image of the financial instrument, said image obtained prior to transferring the financial instrument to the payee, the payee being different from a payer of the financial instrument; extracting information from the image of the financial instrument; and transferring the extracted information to a storage area, wherein the storage area is separate and remote from the imaging device; storing the extracted financial information in a database; upon the financial instrument being presented for payment, retrieving from the database the extracted information corresponding to the financial instrument presented for payment; comparing the retrieved information to information on the financial instrument presented for payment; and making payment or denying payment based on the comparison.
-
-
10. A verification device for verifying a financial instrument, the financial instrument including an identifier corresponding to a payee of the financial instrument, the payee being different from a payer of the financial instrument, comprising:
-
a communication circuit configured to communicate over a network, and a database for storing information corresponding to financial instruments, said information for use during a subsequent verification process, wherein the verification device is configured to at least one of i) receive via the communication circuit information extracted from an image of the financial instrument and store the extracted information in the database, said image captured prior to transfer of the financial instrument to the payee, or ii) receive via the communication circuit an image of the financial instrument, extract information from the image, and store the extracted information in the database, said image captured prior to transfer of the financial instrument to the payee, and the verification device further configured to perform a verification process upon the financial instrument being presented for payment, said verification process comprising comparing information on the financial instrument as presented for payment with corresponding information stored in the database and obtained prior to transfer of the financial instrument to the payee.
-
Specification