System and method for mobile check deposit

• US 9,424,569 B1
• Filed: 06/09/2014
• Issued: 08/23/2016
• Est. Priority Date: 06/19/2012
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Knight, Katie, Sherman, David Joel, Usapkar, Nishant, Pradhan, Ranjit S.
• Primary Examiner(s): SHAH, UTPAL D
• Application Number:
  US14/300,089
• Time in Patent Office: 806 Days
• Field of Search: None
• 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 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06T 1/0007 Image acquisition
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence

Abstract

Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for funds to be deposited into a recipient account. The mobile device configured to display a request to a user of the mobile device to provide one or more portions of a MICR line for the received check image and receive user inputs from the user specifying the one or more portions of the MICR line. The mobile device configured to transmit a message to a bank account computer system associated with the recipient account, the message including data specifying the one or more portions of the MICR line.

Claims

1. A computer-implemented method, comprising:

receiving, from a mobile device, a check image;

requesting manual entry of one or more portions of a MICR line for the check image by highlighting the one or more portions of the MICR line comprising one or more unrecognized characters;

receiving the one or more manually entered portions of MICR line from the mobile device such that the MICR line identifies a routing number or an account number of a sender account.

2. The computer-implemented method of claim 1, further comprising determining one or more options for the one or more portions of the MICR line based on the check image.

3. The computer-implemented method of claim 2, wherein the options comprise a suggested character.

4. The computer-implemented method of claim 3, further comprising sending the options to the mobile device for selection by a user of the mobile device.

5. The computer-implemented method of claim 1, wherein the highlighting of the one or more portions of the MICR line comprises at least one of blinking, underlining, showing a blank space, or drawing a box around the one or more portions of the MICR line.

6. The computer-implemented method of claim 1, wherein manual entry further comprises allowing a user to choose which portion to manually enter using a keyboard.

7. The computer-implemented method of claim 6, wherein the keyboard comprises an on-us symbol, a transit symbol, an amount symbol, and a dash symbol.

8. The computer-implemented method of claim 1, wherein the requesting of manual entry of one or more portions includes prompting a user to enter the one or more portions in a left to right order of the one or more portions.

9. A computer-implemented method, comprising:

receiving, from a mobile device, a check image;

requesting the user of the mobile device to provide one or more portions of a MICR line for the received check image by highlighting the one or more portions of the MICR line comprising one or more unrecognized characters for the user to edit;

receiving the one or more portions provided by the user from the mobile device that completes the MICR line to include a routing number or an account.

10. The computer-implemented method of claim 9, further comprising determining using an account information verification computer to determine whether the account number or the routing number of the MICR line from the received check image is unrecognizable using OCR.

11. The computer-implemented method of claim 9, wherein the highlighting of the one or more portions of the MICR line comprises at least one of blinking, underlining, showing a blank space, or drawing a box around the one or more unrecognized characters.

12. The computer-implemented method of claim 9, wherein the MICR line comprises Unicode characters, an account number, and a routing number.

13. The computer-implemented method of claim 9, wherein the requesting the user to provide one or more portions of a MICR line includes changing the color from a left most portion to a right most portion of the MICR line.

14. The computer-implemented method of claim 9, wherein the requesting the user to provide one or more portions of a MICR line comprises instructing the mobile device to generate a keyboard that includes each character in the MICR line.

15. The computer-implemented method of claim 14, wherein the keyboard comprises an on-us symbol, a transit symbol, an amount symbol, and a dash symbol.

16. The computer-implemented method of claim 14, further comprising allowing the user to choose which portion to manually enter using the keyboard.

17. The computer-implemented method of claim 9, further comprising generating a message to the user that the received MICR line information is verified.

18. A mobile device comprising:

an image capture device configured to capture a check image;

a display device configured to prompt a user to provide one or more portions of a MICR line, the display device being configured to highlight the one or more portions of the MICR line comprising one or more unrecognized characters for the user to edit;

the mobile device being configured to send the one or more portions of the MICR line that when combined with the other portions of the MICR line identifies a routing number or an account number.

19. The mobile device of claim 18, wherein the display device is configured to request the one or more portions of a MICR line in a left to right order on the MICR line.

20. The mobile device of claim 18, wherein the display device is configured to request the one or more portions of a MICR line in a right to left order on the MICR line.

21. The mobile device of claim 18, wherein the display device is configured to generate a display that allows the user to choose which unrecognizable portion to manually enter using a keyboard.

22. The mobile device of claim 18, wherein the highlighting of the one or more portions of the MICR line comprises at least one of blinking, underlining, showing a blank space, or drawing a box around the one or more unrecognized characters.

23. Non-transitory machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to:

capture, via an image capture device, a check image; and

display, via a display device, a request on the mobile device for one or more portions of a MICR line for the received check image by highlighting the one or more portions of the MICR line comprising one or more unrecognized characters.