Apparatuses, methods and systems for a video remote deposit capture platform

• US 10,380,683 B1
• Filed: 11/07/2016
• Issued: 08/13/2019
• Est. Priority Date: 06/08/2010
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Voutour, Teddy, Prasad, Bharat
• Primary Examiner(s): Cese, Kenny A
• Application Number:
  US15/345,190
• Time in Patent Office: 1,009 Days
• 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 20/1085 involving automatic teller machines [ATMs]
• 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 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06T 2207/20132 Image cropping
• CPC Class Codes: G06T 5/40 using histogram techniques
• CPC Class Codes: G06T 7/11 Region-based segmentation
• CPC Class Codes: G06T 7/12 Edge-based segmentation
• CPC Class Codes: G06V 10/10 Image acquisition document image scanning and transmission H04N1/00; control of digital cameras H04N23/60
• CPC Class Codes: G06V 10/20 Image preprocessing
• CPC Class Codes: G06V 10/44 Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersections; Connectivity analysis, e.g. of connected components
• CPC Class Codes: G06V 10/443 by matching or filtering
• CPC Class Codes: G06V 10/50 by performing operations within image blocks; by using histograms, e.g. histogram of oriented gradients [HoG]; by summing image-intensity values; Projection analysis
• CPC Class Codes: G06V 20/63 Scene text, e.g. street names
• CPC Class Codes: G06V 30/16 Image preprocessing
• CPC Class Codes: G06V 30/18019 by matching or filtering
• CPC Class Codes: G06V 30/414 Extracting the geometrical structure, e.g. layout tree; Block segmentation, e.g. bounding boxes for graphics or text
• CPC Class Codes: G06V 30/416 Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors
• CPC Class Codes: H04N 1/40012 : Conversion of colour to monochrome
• CPC Class Codes: H04N 23/00 : Cameras or camera modules comprising electronic image sensors; Control thereof

Abstract

The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.

Claims

1. A system comprising:

a memory;

an image capture device; and

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

capture an image of a financial instrument associated with a depositor using the image capture device;

process the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument;

process the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument;

calculate a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines;

crop the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image; and

transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor;

wherein the processor, in processing the image of the financial instrument to obtain the plurality of sample edge points, is configured to;

scan the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected; and

scan the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected.

2. The system of claim 1, wherein the processor is further configured to:

filter the plurality of sample edge points such that the inner detection sample edge points and outer detection sample edge points satisfy a minimal distance constraint.

3. The system of claim 2, wherein the minimal distance constraint is dynamically configured based on one or more parameters of the image of the financial instrument, and wherein the one or more parameters comprise an image size or an image resolution.

4. The system of claim 1, wherein the processor is further configured to:

determine whether the image of the financial instrument is a color image; and

based on a determination that the image of the financial instrument is the color image, convert the image of the financial instrument into a grayscale image of the financial instrument.

5. The system of claim 4, wherein the processor is further configured to:

divide the grayscale image of the financial instrument into a plurality of sub-tiles;

determine a grayscale threshold for each of the plurality of sub-tiles;

generate a plurality of quantumized sub-tiles by applying the determined grayscale threshold to each of the plurality of sub-tiles; and

recombine the plurality of quantumized sub-tiles to form a quantumized image of the financial instrument.

6. The system of claim 5, wherein the processor is further configured to:

generate a virtual image of the financial instrument by applying a convolution filter to the quantumized image.

7. The system of claim 6, wherein the convolution filter is either a dilation filter or a sharpening filter.

11. The method of claim 7, further comprising:

determining whether the image of the financial instrument is a color image; and

based on a determination that the image of the financial instrument is the color image, converting the image of the financial instrument into a grayscale image of the financial instrument.

12. The method of claim 11, further comprising:

dividing the grayscale image of the financial instrument into a plurality of sub-tiles;

determining a grayscale threshold for each of the plurality of sub-tiles;

generating a plurality of quantumized sub-tiles by applying the determined grayscale threshold to each of the plurality of sub-tiles; and

recombining the plurality of quantumized sub-tiles to form a quantumized image of the financial instrument.

13. The method of claim 12, further comprising:

generating a virtual image of the financial instrument by applying a convolution filter to the quantumized image.

14. The system of claim 13, wherein the convolution filter is either a dilation filter or a sharpening filter.

8. A method comprising:

capturing an image of a financial instrument associated with a depositor using an image capture device;

processing the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument;

processing the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument;

calculating a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines;

cropping the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image; and

transmitting the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor;

wherein processing the image of the financial instrument to obtain the plurality of sample edge points comprises;

scanning the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected; and

scanning the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected.

9. The method of claim 8, further comprising:

filtering the plurality of sample edge points such that the inner detection sample edge points and outer detection sample edge points satisfy a minimal distance constraint.

10. The method of claim 9, wherein the minimal distance constraint is dynamically configured based on one or more parameters of the image of the financial instrument, and wherein the one or more parameters comprise an image size or an image resolution.

15. A non-transitory computer-readable medium comprising computer executable instructions that when executed by a processor cause the processor to:

capture an image of a financial instrument associated with a depositor using the image capture device;

process the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument;

process the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument;

calculate a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines;

crop the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image; and

transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor;

wherein the computer executable instructions, when executed by the processor to process the image of the financial instrument to obtain the plurality of sample edge points, cause the processor to;

scan the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected; and

scan the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected.

16. The non-transitory computer-readable medium of claim 15, wherein the computer executable instructions further cause the processor to:

filter the plurality of sample edge points such that the inner detection sample edge points and outer detection sample edge points satisfy a minimal distance constraint.

17. The non-transitory computer-readable medium of claim 15, wherein the minimal distance constraint is dynamically configured based on one or more parameters of the image of the financial instrument, and wherein the one or more parameters comprise an image size or an image resolution.