Secure element authentication for remote deposit capture compatible check image generation

• US 9,959,532 B2
• Filed: 12/28/2015
• Issued: 05/01/2018
• Est. Priority Date: 03/13/2013
• Status: Active Grant

• Current Assignee: Icashe Incorporated
• Original Assignee: Tyfone Incorporated
• Inventors: Narendra, Siva G., Bloodworth, Donald Allen, LeMoine, Dana B., Tadepalli, Prabhakar
• Primary Examiner(s): SHAH, UTPAL D
• Application Number:
  US14/979,974
• Publication Number:
  US 20160110697A1
• Time in Patent Office: 855 Days
• Field of Search: None
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• 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 20/08 Payment architectures
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/128 Check-book balancing, updating or printing arrangements
• CPC Class Codes: H04L 63/04 for providing a confidential data exchange among entities communicating through data packet networks
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys

Abstract

A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.

Claims

1. A computer-implemented method performed by a mobile device comprising:

creating a remote deposit capture (RDC) compatible check image by combining a pre-prepared check image with data provided by a payor;

authenticating the payor to a check control server using authentication credentials stored in a secure element in communication with the mobile device; and

transmitting the RDC compatible check image to the check control server only after authentication.

2. The computer-implemented method of claim 1 wherein the data provided by the payor includes a bank routing number and a bank account number.

3. The computer-implemented method of claim 1 wherein data provided by the payor does not include a bank routing number and a bank account number.

4. The computer-implemented method of claim 1 wherein the data provided by the payor is character recognized from a scanned image.

5. The computer-implemented method of claim 1 wherein the data provided by the payor is entered using keystrokes.

6. The computer-implemented method of claim 1 further comprising encrypting the RDC compatible check image prior to transmitting.

7. The computer-implemented method of claim 1 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element inside the mobile device.

8. The computer-implemented method of claim 1 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element in communication with the mobile device using a radio.

9. The computer-implemented method of claim 1 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element in communication with the mobile device over a USB port.

10. A non-transitory computer readable storage medium storing one or more programs comprising instructions, which when executed by a mobile device, cause the mobile device to perform:

capturing a photograph of a blank check;

performing character recognition to extract static check data from the photograph of the blank check;

prompting a payor for dynamic check information to fill out a check;

combining the static check data and dynamic check data to create a remote deposit capture (RDC) compatible check image;

authenticating the payor to a check control server using authentication credentials stored in a secure element in communication with the mobile device; and

transmitting the RDC compatible check image to the check control server only after authentication.

11. The non-transitory computer readable storage medium of claim 10 further comprising encrypting the RDC compatible check image prior to transmitting.

12. The non-transitory computer readable storage medium of claim 10 wherein the static check data comprises a bank routing number.

13. The non-transitory computer readable storage medium of claim 10 wherein the dynamic check information includes payee information.

14. The non-transitory computer readable storage medium of claim 10 further comprising transmitting metadata representing personalized greeting information specified by the payor.

15. The non-transitory computer readable storage medium of claim 10 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element inside the mobile device.

16. The non-transitory computer readable storage medium of claim 10 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element in communication with the mobile device using a radio.

17. The non-transitory computer readable storage medium of claim 10 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element in communication with the mobile device over a USB port.

18. A mobile device comprising:

a processor;

a memory; and

a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including instructions for;

prompting a payor for check information;

combining the information provided by the payor with a nonscanned check image to create a remote deposit capture (RDC) compatible check image;

authenticating the payor to a check control server using a secure element in communication with the mobile device; and

transmitting the RDC compatible check image to the check control server only after authentication.

19. The mobile device of claim 18 further comprising encrypting the RDC compatible check image prior to transmitting.

20. The mobile device of claim 18 further comprising transmitting metadata representing personalized greeting information.