Systems and methods for alignment of check during mobile deposit

• US 9,626,662 B1
• Filed: 03/25/2014
• Issued: 04/18/2017
• Est. Priority Date: 08/28/2009
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Prasad, Bharat, Liang, Minya, Medina, Reynaldo
• Primary Examiner(s): Lu, Tom Y
• Application Number:
  US14/224,944
• Time in Patent Office: 1,120 Days
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06T 7/73 using feature-based methods
• CPC Class Codes: G06V 10/24 Aligning, centring, orientation detection or correction of the image
• CPC Class Codes: G06V 10/245 by locating a pattern; Special marks for positioning
• CPC Class Codes: H04N 23/63 by using electronic viewfinders
• CPC Class Codes: H04N 23/64 Computer-aided capture of images, e.g. transfer from script file into camera, check of taken image quality, advice or proposal for image composition or decision on when to take image
• CPC Class Codes: H04N 5/44 Receiver circuitry for the reception of television signals according to analogue transmission standards H04N5/14 takes precedence

Abstract

An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user'"'"'s bank account based on the image. Any technique for sending the image to the financial institution may be used.

Claims

1. A non-transitory computer-readable medium comprising computer-readable instructions for transmitting information of a document, said computer-readable instructions being executable by a processor to:

receive a request for access to an account from a mobile device;

receive an image from the mobile device, wherein at least one feature of the document has been aligned with an alignment guide;

crop the image around the alignment guide;

detect an edge of the document after the image has been cropped;

adjust funds of the account using the cropped image and detected edge of the document.

2. The non-transitory computer-readable medium of claim 1, wherein the document comprises one or more of a negotiable instrument, a credit instrument, a debit instrument, a financial document, a vehicle accident document, and an insurance document.

3. The non-transitory computer-readable medium of claim 2, wherein the computer-readable instructions are further executed by the processor to send a software object to the mobile device that when executed on the mobile device causes the mobile device to automatically capture the image when at least one feature of the document within the field of view of a camera associated with the mobile device aligns with the alignment guide.

4. The non-transitory computer-readable medium of claim 2, wherein the computer-readable instructions are further executed by the processor to send instructions to the mobile device that when executed on the mobile device causes the mobile device to initialize a pre-installed software object on the mobile device directed to providing the alignment guide in a display of the mobile device, wherein the display is configured to display a field of view of a camera of the mobile device and the mobile device is configured to automatically capture the image when at least one feature of the document within the field of view aligns with the alignment guide.

5. The non-transitory computer-readable medium of claim 2, further comprising computer-readable instructions executable by the processor to clean the image by converting the dots per inch of the image.

6. The non-transitory computer-readable medium of claim 3, wherein the computer-readable instructions further comprise instructions executable by the processor to capture the image by storing the image in a memory.

7. The non-transitory computer-readable medium of claim 4, wherein the computer-readable instructions further comprise instructions executable by the processor to capture the image by storing the image in a memory.