Remote deposit capture system with secure element authentication for check image generation and storage
First Claim
Patent Images
1. A remote deposit system comprising:
- a server to store remote deposit capture (RDC) compatible check images;
a first application program to be executed by a first mobile device separate from the server, wherein the first application program includes 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; and
transmitting the RDC compatible check image to the server; and
a second application program to be executed by a second mobile device separate from the server, wherein the second application program includes instructions for;
prompting a payee to either take a picture of a check for remote deposit or to receive the RDC compatible check image from the server;
in response to the payee selecting to receive the RDC compatible check image, authenticating the payee to the server using authentication credentials stored in a secure element in communication with the second mobile device and receiving the RDC compatible check image from the server only after authenticating; and
forwarding the RDC compatible check image to a financial institution for deposit.
4 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A remote deposit system comprising:
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a server to store remote deposit capture (RDC) compatible check images; a first application program to be executed by a first mobile device separate from the server, wherein the first application program includes 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; and transmitting the RDC compatible check image to the server; and a second application program to be executed by a second mobile device separate from the server, wherein the second application program includes instructions for; prompting a payee to either take a picture of a check for remote deposit or to receive the RDC compatible check image from the server; in response to the payee selecting to receive the RDC compatible check image, authenticating the payee to the server using authentication credentials stored in a secure element in communication with the second mobile device and receiving the RDC compatible check image from the server only after authenticating; and forwarding the RDC compatible check image to a financial institution for deposit. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A remote deposit system comprising:
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a server to store remote deposit capture (RDC) compatible check images; a first mobile device having a memory with a first stored application program, wherein the first stored application program includes instructions that when executed by the first mobile device result in the first mobile device; prompting a payor for check information; creating an RDC compatible check image by combining a pre-prepared check image with data provided by the payor; and transmitting the RDC compatible check image to the server for later remote deposit; and a second mobile device having a memory with a second stored application program, wherein the second stored application program includes instructions that when executed by the second mobile device result in the second mobile device; prompting a payee to either take a picture of a check for remote deposit or to receive the RDC compatible check image from the server; in response to the payee selecting to receive the RDC compatible check image, authenticating the payee to the server using authentication credentials stored in a secure element in communication with the second mobile device and receiving the RDC compatible check image from the server only after authenticating; and forwarding the RDC compatible check image to a financial institution for deposit. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14)
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15. A remote deposit system comprising:
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a server to store remote deposit capture (RDC) compatible check images; a first mobile device having a non-transitory computer readable storage medium storing one or more programs comprising instructions, which when executed by the first mobile device, cause the first 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; and transmitting the RDC compatible check image to the server; and a second mobile device having a non-transitory computer readable storage medium storing one or more programs comprising instructions, which when executed by the second mobile device, cause the second mobile device to perform; prompting a payee to either take a picture of a check for remote deposit or to receive the RDC compatible check image from the server; in response to the payee selecting to receive the RDC compatible check image, authenticating the payee to the server using authentication credentials stored in a secure element in communication with the second mobile device and receiving the RDC compatible check image from the server only after authenticating; and forwarding the RDC compatible check image to a financial institution for deposit. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification