Systems and methods for image and criterion monitoring during mobile deposit

• US 9,818,090 B1
• Filed: 12/28/2016
• Issued: 11/14/2017
• Est. Priority Date: 08/21/2009
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Bueche, Jr., Michael Patrick, Prasad, Bharat, Liang, Minya, Medina, Reynaldo, Oakes, III, Charles Lee
• Primary Examiner(s): Ansari, Tahmina
• Application Number:
  US15/392,950
• Time in Patent Office: 321 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: H04N 7/183 for receiving images from a single remote source

Abstract

An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. 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. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

Claims

1. A system comprising:

an image capture device;

a presentation device; and

a processor in communication with the image capture device and the presentation device, the processor configured to;

monitor a target document in a field of view of the image capture device with respect to a monitoring criterion;

control the presentation device to present feedback information describing an instruction for satisfying the monitoring criterion;

determine whether the monitoring criterion is satisfied based on the target document in the field of view of the image capture device; and

when the monitoring criterion is determined to be satisfied, control the image capture device to capture an image depicting the target document in the field of view of the image capture device.

2. The system of claim 1, wherein the processor is configured to control the presentation device to present the feedback information by displaying a written instruction on a display screen for satisfying the monitoring criterion.

3. The system of claim 2, wherein the written instruction requests a user to position the target document in the field of view of the image capture device.

4. The system of claim 1, wherein the processor is further configured to control the presentation device to present the feedback information when the monitoring criterion is determined not to be satisfied.

5. The system of claim 1, wherein the processor is configured to control the presentation device to present the feedback information by displaying a non-alphanumeric visual indicator on a display screen for satisfying the monitoring criterion.

6. The system of claim 1, wherein the processor is configured to control the presentation device to present the feedback information by outputting an audible instruction through a speaker for satisfying the monitoring criterion.

7. The system of claim 1, where the processor is configured to control the image capture device to capture the image automatically upon determining the monitoring criterion is satisfied.

8. The system of claim 1, wherein to monitor the target document in the field of view of the image capture device with respect to the monitoring criterion, the processor is further configured to:

measure a distance from an edge of the target document in the field of view of the image capture device to an edge of the field of view of the image capture device; and

compare the distance to a predetermined value to determine whether skew is present in the image depicting the target document.

9. The system of claim 8, wherein the processor is further configured to control the presentation device to present a skew correction feedback information when the skew is determined to be present in the image depicting the target document.

10. The system of claim 1, wherein the monitoring criterion comprises whether a corner of the image depicting the target document is detectable.

11. A method for capturing an image of a target document by a mobile computing device, the method comprising:

monitoring a target document in a field of view of an image capture device with respect to a monitoring criterion, wherein the image capture device is included in the mobile computing device;

controlling a presentation device to present feedback information describing an instruction for satisfying the monitoring criterion, wherein the presentation device is included in the mobile computing device;

determining whether the monitoring criterion is satisfied based on the target document in the field of view of the image capture device; and

when the monitoring criterion is determined to be satisfied, controlling the image capture device to capture an image depicting the target document in the field of view of the image capture device.

12. The method of claim 11, wherein controlling the presentation device to present the feedback information comprises displaying a written instruction on a display screen for satisfying the monitoring criterion.

13. The method of claim 12, wherein the written instruction requests a user to position the target document in the field of view of the image capture device.

14. The method of claim 11, wherein controlling the presentation device to present the feedback information comprises controlling the presentation device to present the feedback information when the monitoring criterion is determined not to be satisfied.

15. The method of claim 11, wherein controlling the presentation device to present the feedback information comprises displaying a non-alphanumeric visual indicator on a display screen for satisfying the monitoring criterion.

16. The method of claim 11, wherein controlling the presentation device to present the feedback information comprises outputting an audible instruction through a speaker for satisfying the monitoring criterion.

17. The method of claim 11, wherein controlling the image capture device to capture the image depicting the target document comprises automatically capturing the image depicting the target document upon determining the monitoring criterion is satisfied.

18. The method of claim 11, wherein monitoring the image of the target document in the field of view of the image capture device with respect to the monitoring criterion comprises:

measuring a distance from an edge of the target document in the field of view of the image capture device to an edge of the field of view; and

comparing the distance to a predetermined value to determine if skew is present in the image depicting the target document.

19. The method of claim 18, further comprising controlling the presentation device to present a skew correction feedback information when the skew is determined to be present in the image depicting the target document.

20. A non-transitory computer-readable medium comprising computer-readable instructions for depositing a check that, when executed by a processor of a mobile computing device, cause the processor to:

monitor a target document in a field of view of an image capture device with respect to a monitoring criterion;

control a presentation device to present feedback information describing an instruction for satisfying the monitoring criterion;

determine whether the monitoring criterion is satisfied based on the target document in the field of view of the image capture device; and

when the monitoring criterion is determined to be satisfied, control the image capture device to capture an image depicting the target document in the field of view of the image capture device.