Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments
First Claim
Patent Images
1. A method, comprising:
- receiving, at a message broker server, a negotiable instrument deposit information subscription request and a subscription rule from a financial institution;
registering, by the message broker server, the financial institution as a negotiable instrument deposit information subscriber based on the received subscription rule;
receiving, by the message broker server, an access request to access the message broker server from a computing device;
in response to receiving the access request, remotely directing, by the message broker server, the computing device to perform an authentication process;
identifying, by the message broker server, a digital certificate assigned to an image capture device of the computing device according to the authentication process;
validating as part of the authentication process, by the message broker server, the image capture device based on the digital certificate assigned to the image capture device; and
in response to validating the image capture device, remotely controlling, by the message broker service, the image capture device to capture an image of a negotiable instrument;
receiving, at the message broker server, the image of the negotiable instrument and metadata associated with the negotiable instrument, the metadata including a magnetic ink character recognition (MICR) string;
determining, by the message broker server, a status of the negotiable instrument based on the received metadata regarding a proposed deposit of the negotiable instrument by;
comparing a MICR string of the image of the negotiable instrument to a record of previously presented negotiable instruments stored as images according to an optical character recognition (OCR) on the MICR string of the image and modifying a respective MICR string in the metadata to replace non-numeric characters in the MICR string in the metadata with spaces, except for misreads, and saving the modified MICR string; and
identifying a matching negotiable instrument according to the comparing of the MICR string; and
communicating, by the message broker server, the status of the negotiable instrument to the financial institution.
1 Assignment
0 Petitions
Accused Products
Abstract
The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.
-
Citations
20 Claims
-
1. A method, comprising:
-
receiving, at a message broker server, a negotiable instrument deposit information subscription request and a subscription rule from a financial institution; registering, by the message broker server, the financial institution as a negotiable instrument deposit information subscriber based on the received subscription rule; receiving, by the message broker server, an access request to access the message broker server from a computing device; in response to receiving the access request, remotely directing, by the message broker server, the computing device to perform an authentication process; identifying, by the message broker server, a digital certificate assigned to an image capture device of the computing device according to the authentication process; validating as part of the authentication process, by the message broker server, the image capture device based on the digital certificate assigned to the image capture device; and in response to validating the image capture device, remotely controlling, by the message broker service, the image capture device to capture an image of a negotiable instrument; receiving, at the message broker server, the image of the negotiable instrument and metadata associated with the negotiable instrument, the metadata including a magnetic ink character recognition (MICR) string; determining, by the message broker server, a status of the negotiable instrument based on the received metadata regarding a proposed deposit of the negotiable instrument by; comparing a MICR string of the image of the negotiable instrument to a record of previously presented negotiable instruments stored as images according to an optical character recognition (OCR) on the MICR string of the image and modifying a respective MICR string in the metadata to replace non-numeric characters in the MICR string in the metadata with spaces, except for misreads, and saving the modified MICR string; and identifying a matching negotiable instrument according to the comparing of the MICR string; and communicating, by the message broker server, the status of the negotiable instrument to the financial institution. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. A message broker, comprising:
-
input/output circuitry, configured to; receive, from a requesting server of a financial institution, a subscription rule, and a negotiable instrument deposit information subscription request; receive, from a computing device, an access request to access the message broker server; in response to receiving the access request, remotely direct the computing device to perform an authentication process; identify a digital certificate assigned to an image capture device of the computing device according to the authentication process; validate as part of the authentication process, the image capture device based on the digital certificate assigned to the image capture device; in response to validating the image capture device, remotely control the image capture device to capture an image of a negotiable instrument; receive the image of the negotiable instrument and metadata associated with the negotiable instrument, the metadata including a magnetic ink character recognition (MICR) string; and communicate, to the requesting server, confirmation of a negotiable instrument deposit information subscription and a status of the negotiable instrument; registration circuitry configured to register the financial institution as a negotiable instrument deposit information subscriber based on the received subscription rule; and query circuitry, configured to; compare the MICR string of the negotiable instrument to each of a set of previously presented negotiable instruments using a regular expression to identify a match between the negotiable instrument and a previously presented negotiable instrument of the set, the set stored as images; identify, using the regular expression, the MICR string of the image of the negotiable instrument and the MICR string of at least some of the instruments of the set by optical character recognition (OCR); modify the MICR string in the metadata by replacing identified MICR symbols in the MICR string identified in the image with a designated character and saving the modified MICR string; identify a matching instrument of the at least some of the instruments due to non-misread characters of a respective MICR string of the matching instrument matching the respective MICR string of the negotiable instrument; and communicate the status of the negotiable instrument to the input/output circuitry according to the status information associated with the matching instrument and the received subscription rule. - View Dependent Claims (9, 10, 11, 12, 13, 14)
-
-
15. A system, comprising:
input/output circuitry, configured to; receive, from a computing device, an access request to access the message broker server; in response to receiving the access request, remotely direct the computing device to perform an authentication process; identify a digital certificate assigned to an image capture device of the computing device according to the authentication process; validate as part of the authentication process, the image capture device based on the digital certificate assigned to the image capture device; in response to validating the image capture device, remotely control the image capture device to capture an image of a negotiable instrument; receive the image of the negotiable instrument and metadata associated with the negotiable instrument the metadata including a magnetic ink character recognition (MICR) string; and communicate a status of the negotiable instrument to a requesting server; and
query circuitry, configured to;compare the MICR string in the metadata of the negotiable instrument to each of a set of previously presented negotiable instruments using an optical character recognition (OCR) technique and a regular expression to identify a match between the negotiable instrument and a previously presented negotiable instrument of the set; identify, using the regular expression, the MICR string of the image of the negotiable instrument and the MICR string on at least some of the instruments of the set; modify the MICR string in the metadata by replacing identified MICR symbols in the MICR string identified in the image with a designated character and saving the modified MICR string; identify a matching instrument of the at least some of the instruments due to non-misread characters of a respective MICR string of the matching instrument matching the respective MICR string of the negotiable instrument; and communicate the status of the negotiable instrument to the input/output circuitry according to status information associated with the matching instrument. - View Dependent Claims (16, 17, 18, 19, 20)
Specification