Secure element authentication for remote deposit of check images received from payors

• US 9,959,533 B2
• Filed: 12/29/2015
• 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:
  US14/982,904
• Publication Number:
  US 20160117648A1
• Time in Patent Office: 854 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 mobile device comprising:

a processor;

a secure element;

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 user to select between either taking a picture of a check for remote deposit or receiving a remote deposit capture (RDC) compatible check image;

in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in the secure element and receiving the RDC compatible check image from the check control server only after authenticating;

displaying a notification;

responding to a user'"'"'s interaction with the notification to display indicia of the RDC compatible check image other than the RDC compatible check image itself; and

forwarding the RDC compatible check image to a financial institution for deposit.

2. The mobile device of claim 1, wherein the program further comprises instructions for prompting a user to electronically endorse the RDC compatible check image.

3. The mobile device of claim 1 wherein the program further comprises instructions for receiving metadata specified by a payor.

4. The mobile device of claim 3 wherein responding to a user'"'"'s interaction with the notification to display indicia comprises displaying a graphic in response to the metadata.

5. A mobile device implemented method comprising:

prompting a user to select between either taking a picture of a check for remote deposit or loading a remote deposit capture (RDC) compatible check image for remote deposit;

in response to the user selecting to load an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in a secure element within the mobile device and receiving the RDC compatible check image from the check control server only after authenticating;

loading the RDC compatible check image;

prompting the user to electronically endorse the RDC compatible check image; and

forwarding the RDC compatible check image to a financial institution for deposit.

6. The mobile device implemented method of claim 5 wherein prompting the user to electronically endorse comprises prompting the user to sign on-screen.

7. The mobile device implemented method of claim 5 wherein prompting the user to electronically endorse comprises prompting the user to load an endorsement stamp.

8. The mobile device implemented method of claim 5 further comprising receiving metadata specified by a payor.

9. The mobile device implemented method of claim 8 further comprising displaying a graphic in response to the metadata.

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:

prompting a user to select between either taking a picture of a check for remote deposit or receiving an RDC compatible check image from a payor;

in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in a secure element within the mobile device and receiving the RDC compatible check image from the check control server only after authenticating;

electronically endorsing the RDC compatible check image; and

forwarding the RDC compatible check image to a financial institution for deposit.

11. The non-transitory computer readable storage medium of claim 10 wherein electronically endorsing comprises prompting a user to sign on-screen.

12. The non-transitory computer readable storage medium of claim 10 wherein electronically endorsing comprises prompting a user to load an endorsement stamp.