Systems and methods for mobile deposit of negotiable instruments

• US 10,380,562 B1
• Filed: 08/21/2008
• Issued: 08/13/2019
• Est. Priority Date: 02/07/2008
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Prasad, Bharat, Morris, Michael Frank
• Primary Examiner(s): Marcus, Leland
• Application Number:
  US12/195,723
• Time in Patent Office: 4,009 Days
• Field of Search: 705 35, 235435
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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 40/03 Credit; Loans; Processing thereof

Abstract

An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument 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. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.

Claims

1. A processor-implemented method of depositing a negotiable instrument, comprising:

with a processor of a server of a financial institution in communication with a mobile device, the mobile device communicatively coupled to an image capture device, the processor;

delivering an application comprising a remote deposit processing component from the financial institution for instantiation on the mobile device communicatively coupled to the image capture device, the delivering of the application occurring at least partially after authenticating a user of the mobile device, the authenticating of the user, comprising;

receiving, from the mobile device, authentication information of the user of the mobile device for authenticating the user to the server of the financial institution; and

authenticating, through the authentication information, that the user is an authorized consumer of the financial institution;

instructing the application on the mobile device, after the authenticating of the user, to enable execution of the remote deposit processing component on the mobile device;

receiving, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument captured by the image capture device communicatively coupled to the mobile device of the user;

verifying that the image file is readable such that financial information may be obtained from the negotiable instrument;

obtaining the financial information pertaining to the negotiable instrument from the image file, wherein the financial information includes information regarding an account for depositing funds of the user; and

depositing funds of the negotiable instrument into the account based on the financial information pertaining to the negotiable instrument.

2. The method of claim 1, wherein the image file is received via an Internet connection or a wireless cellular transmission.

3. The method of claim 1, wherein the image file is received via email.

4. The method of claim 1, wherein the image of the negotiable instrument comprises first side of the negotiable instrument, and wherein the image file further comprises a second image comprising a second side of the negotiable instrument.

5. The method of claim 1, further comprising determining whether the financial information is invalid, and if so, transferring the financial information to a representative.

6. The method of claim 1, further comprising determining whether the financial information is invalid, and if so,

advising the user;

receiving a second image file from the user;

obtaining second financial information pertaining to the negotiable instrument from the second image file; and

depositing funds of the negotiable instrument into an account based on the second financial information pertaining to the negotiable instrument.

7. A computer-readable medium comprising:

computer-readable instructions for depositing a negotiable instrument, said computer-readable instructions comprising instructions that, when executed by a processor of a server of a financial institution, cause the processor to;

deliver an application comprising a remote deposit processing component from the financial institution for instantiation on a mobile device communicatively coupled to an image capture device, the delivering of the application occurring at least partially after authenticating a user of the mobile device, the authenticating of the user, comprising;

receive, from the mobile device, authentication information of the user of the mobile device for authenticating the user to the server of the financial institution; and

authenticate, through the authentication information, that the user is an authorized consumer of the financial institution;

instruct the application on the mobile device, after the authenticating of the user, to enable execution of the remote deposit processing component on the mobile device;

receive, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument captured by the image capture device communicatively coupled to the mobile device of the user;

verify that the image file is readable such that financial information may be obtained from the negotiable instrument;

obtain the financial information pertaining to the negotiable instrument from the image file, wherein the financial information includes information regarding an account for depositing funds of the user; and

deposit funds of the negotiable instrument identified by the financial information obtained from the negotiable instrument into an account held by the user at the financial institution.

8. The computer-readable medium of claim 7, wherein the image file is received via an Internet connection or a wireless cellular transmission.

9. The computer-readable medium of claim 7, wherein the image file is received via email.

10. The computer-readable medium of claim 7, wherein the image of the negotiable instrument comprises first side of the negotiable instrument, and wherein the image file further comprises a second image comprising a second side of the negotiable instrument.

11. The computer-readable medium of claim 7, further comprising instructions that determine whether the financial information is invalid, and if so, transfer the financial information to a representative.

12. The computer-readable medium of claim 7, further comprising instructions that determine whether the financial information is invalid, and if so,

advise the user;

receive a second image file from the user;

obtain second financial information pertaining to the negotiable instrument from the second image file; and

deposit funds of the negotiable instrument into an account based on the second financial information pertaining to the negotiable instrument.

13. A system for depositing a negotiable instrument, comprising:

a server of a financial institution, the server comprising;

a memory storing instructions;

a processor disposed in communication with said memory, the processor configured to execute the instructions to;

deliver an application comprising a remote deposit processing component from the financial institution for instantiation on a mobile device communicatively coupled to an image capture device, the delivering of the application occurring at least partially after authenticating a user of the mobile device, the authenticating of the user, comprising;

receive, from the mobile device, authentication information of the user of the mobile device for authenticating the user to the server of the financial institution; and

authenticate, through the authentication information, that the user is an authorized consumer of the financial institution;

instruct the application on the mobile device, after the authenticating of the user, to enable execution of the remote deposit processing component on the mobile device;

receive, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument captured by the image capture device communicatively coupled to the mobile device of the user;

verify that the image file is readable such that financial information may be obtained from the negotiable instrument;

obtain the financial information pertaining to the negotiable instrument from the image file, wherein the financial information includes information regarding an account for depositing funds of the user; and

deposit funds of the negotiable instrument identified by the financial information obtained from the negotiable instrument into an account held by the user at the financial institution.

14. The system of claim 13, wherein the image file is received via an Internet connection or a wireless cellular transmission.

15. The system of claim 13, wherein the image file is received via email.

16. The system of claim 13, wherein the image of the negotiable instrument comprises first side of the negotiable instrument, and wherein the image file further comprises a second image comprising a second side of the negotiable instrument.

17. The system of claim 13, further comprising at least one subsystem that determines whether the financial information is invalid, and if so, transfers the financial information to a representative.

18. The system of claim 13, further comprising at least one subsystem that determines whether the financial information is invalid, and if so,

advises the user;

receives a second image file from the user;

obtains second financial information pertaining to the negotiable instrument from the second image file; and

deposits funds of the negotiable instrument into an account based on the second financial information pertaining to the negotiable instrument.

19. A processor-implemented method of depositing a negotiable instrument, comprising:

with a processor of a mobile device communicatively coupled to an image capture device, the mobile device in communication with a server of a financial institution, the processor;

receiving an application comprising a remote deposit processing component from the financial institution for instantiation on the mobile device communicatively coupled to the image capture device, the receiving of the application occurring at least partially after authenticating a user of the mobile device, the authenticating of the user, comprising

sending, via the application on the mobile device, authentication information to the financial institution to authenticate that the user of the mobile device is an authorized consumer of the financial institution;

receiving an instruction from the financial institution to enable execution of the remote deposit processing component on the mobile device;

capturing an image of a negotiable instrument via the image capture device communicatively coupled to the mobile device;

performing a cleaning procedure via the remote deposit processing component on the captured image of the negotiable instrument, the cleaning procedure including deskewing and dewarping the captured image of the negotiable instrument;

sending the cleaned image of the negotiable instrument to the financial institution via the remote deposit processing component; and

receiving an indication including information related to a status of depositing the negotiable instrument.