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
First Claim
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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.

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