Systems and methods for remote deposit of checks

• US 10,621,559 B1
• Filed: 04/11/2019
• Issued: 04/14/2020
• Est. Priority Date: 10/31/2006
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Oakes, III, Charles Lee, Morlen, Randy Ray, Prasad, Bharat, Huth, Troy Bartlette
• Primary Examiner(s): Liu, I Jung
• Application Number:
  US16/381,600
• Time in Patent Office: 369 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 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: G06V 40/33 based only on signature image, e.g. static signature recognition

Abstract

Remote deposit of checks can be facilitated by a financial institution. A customer'"'"'s general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Claims

1. A computing device for processing a remote deposit of a check, the computing device comprising:

first processing circuitry;

a first memory having stored thereon executable instructions that, when executed by the first processing circuitry, cause the first processing circuitry to perform first operations including;

receive a digital image depicting at least portions of the check submitted by a user for the remote deposit of the check, the digital image transmitted using a mobile device associated with an image capture device, the digital image being captured by the image capture device;

detect an image format of the digital image;

determine the digital image is stored in a first image format;

convert the digital image into a second image format, wherein an image quality of the first image format is greater than an image quality of the second image format;

apply optical character recognition to the digital image;

determine an amount for the remote deposit of the check based on the optical character recognition applied to the digital image;

compare the determined amount against a customer-entered amount;

optically read a magnetic ink character recognition (MICR) line depicted in the digital image;

determine a routing number from the optically read MICR line;

perform duplicate check detection on the check depicted in the digital image based at least in part on information obtained via the optical character recognition applied to the digital image; and

determine the digital image is suitable for creating a substitute check and sufficient to go forward with the deposit;

second processing circuitry; and

a second memory having stored thereon executable instructions that, when executed by the second processing circuitry, cause the second processing circuitry to perform second operations including;

accepting the digital image for check deposit in place of the check depicted in the digital image.

2. The computing device of claim 1 wherein the first operations further comprise:

initiate a deposit of funds from a first financial institution to a second financial institution using the digital image in place of the check depicted in the digital image.

3. The computing device of claim 1, wherein the first operations further include:

determine whether the image is suitable for creating a substitute check.

4. The computing device of claim 1, wherein the first operations further include:

control display of instructions for assisting the user to capture the image using the image capturing device by placing a digital camera at a proper distance away from the check.

5. The computing device of claim 4, wherein the first operations further include:

control display of instructions for assisting the user to orient the check for capture by the image capturing device.

6. The computing device of claim 5, wherein the first operations further comprise:

control display of instructions for assisting the user as to how to activate the image capture device.

7. The computing device of claim 1, wherein the first operations further include:

control display of instructions for assisting the user in identifying an account into which the deposit is to be made.

8. The computing device of claim 7, wherein the first operations further include:

control display of instructions for assisting the user in entering the customer-entered amount to deposit into the identified account.

9. The computing device of claim 1, wherein the first operations further include:

edit the digital image by applying at least one process selected from a group consisting of an image cropping process and an image rotation editing process.

10. A method for controlling a computing device to process a remote deposit of a check, the method comprising:

first processing circuitry executing executable instructions stored in a first memory for performing first operations of;

receiving a digital image depicting at least portions of the check submitted by a user for the remote deposit of the check, the digital image transmitted using a mobile device associated with an image capture device, the digital image being captured by the image capture device;

detecting an image format of the digital image;

determining the digital image is stored in a first image format;

converting the digital image into a second image format, wherein an image quality of the first image format is greater than an image quality of the second image format;

applying optical character recognition to the digital image;

determining an amount for the remote deposit of the check based on the optical character recognition applied to the digital image;

comparing the determined amount against a customer-entered amount;

optically reading a magnetic ink character recognition (MICR) line depicted in the digital image;

determining a routing number from the optically read MICR line;

performing duplicate check detection on the check depicted in the digital image based at least in part on information obtained via the optical character recognition applied to the digital image; and

determining the digital image is suitable for creating a substitute check and sufficient to go forward with the deposit; and

second processing circuitry executing executable instructions stored in a second memory for performing second operations of;

accepting the digital image for check deposit in place of the check depicted in the digital image.

11. The method of claim 10, wherein the first processing circuitry performs further first operations of:

initiating a deposit of funds from a first financial institution to a second financial institution using the digital image in place of the check depicted in the digital image.

12. The method of claim 10, wherein the first processing circuitry performs further first operations of:

determining whether the image is suitable for creating a substitute check.

13. The method of claim 10, wherein the first processing circuitry performs further first operations of:

controlling display of instructions for assisting the user to capture the image using the image capturing device by placing a digital camera at a proper distance away from the check.

14. The method of claim 13, wherein the first processing circuitry performs further first operations of:

controlling display of instructions for assisting the user to orient the check for capture by the image capturing device.

15. The method of claim 14, wherein the first processing circuitry performs further first operations of:

controlling display of instructions for assisting the user as to how to activate the image capture device.

16. The method of claim 10, wherein the first processing circuitry performs further first operations of:

controlling display of instructions for assisting the user in identifying an account into which the deposit is to be made.

17. The method of claim 16, wherein the first processing circuitry performs further first operations of:

controlling display of instructions for assisting the user in entering the customer-entered amount to deposit into the identified account.

18. The method of claim 10, wherein the first processing circuitry performs further first operations of:

editing the digital image by applying at least one process selected from a group consisting of an image cropping process and an image rotation editing process.