Systems and methods for remote deposit of checks

• US 10,719,815 B1
• Filed: 09/19/2017
• Issued: 07/21/2020
• 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, Morris, Michael Frank, Medina, III, Reynaldo, Harpel, Greg Alan, Gavia, Gabriel Glenn, Prasad, Bharat, Major, Frank Kyle, Pollack, Jeffrey Neal
• Primary Examiner(s): Felten, Daniel S
• Application Number:
  US15/709,126
• Time in Patent Office: 1,036 Days
• Field of Search: 235379, 382379, 382232
• CPC Class Codes: G06K 7/10861 sensing of data fields affixed to objects or articles, e.g. coded labels postal sorting B07C3/14, conveying articles B65G47/48
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• 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 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 30/16 Image preprocessing
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: G06V 30/40 Document-oriented image-based pattern recognition
• CPC Class Codes: G06V 40/12 Fingerprints or palmprints
• CPC Class Codes: H04N 1/00204 with a digital computer or a digital computer system, e.g. an internet server programmed control between transmitter and receiver or between image input and image output device H04N1/32561
• CPC Class Codes: H04N 1/00244 with a server, e.g. an internet server fax-servers or the like for store and forward H04N1/324
• CPC Class Codes: H04N 1/00307 with a mobile telephone apparatus constructional features of portable telephone sets H04M1/0202; mobile radio systems H04W84/00
• CPC Class Codes: H04N 1/00816 Determining the reading area, e.g. eliminating reading of margins
• CPC Class Codes: H04N 1/387 Composing, repositioning or otherwise geometrically modifying originals
• CPC Class Codes: H04N 1/403 Discrimination between the two tones in the picture signal of a two-tone original
• CPC Class Codes: H04N 2101/00 Still video cameras
• CPC Class Codes: H04N 2201/001 Sharing resources, e.g. processing power or memory, with a connected apparatus or enhancing the capability of the still picture apparatus
• CPC Class Codes: H04N 2201/0084 : Digital still camera
• CPC Class Codes: H04N 2201/0096 : Portable devices
• CPC Class Codes: H04N 23/632 : for displaying or modifying preview images prior to image capturing, e.g. variety of image resolutions or capturing parameters
• CPC Class Codes: H04N 23/64 : Computer-aided capture of images, e.g. transfer from script file into camera, check of taken image quality, advice or proposal for image composition or decision on when to take image

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 method for processing a document depicted in a digital image, comprising:

transmitting, by a mobile computing device, a request for a document processing application to a remote server, wherein the document processing application identifies a deposit server;

receiving, by the mobile computing device, the document processing application from the remote server; and

implementing, by the mobile computing device, the document processing application by;

configuring an image capturing device in communication with the mobile computing device;

presenting a graphical instruction for capturing an image of the document on a display screen of the mobile computing device;

controlling the image capturing device to capture the image of the document;

determining the image satisfies a predetermined image criteria based on at least one of a size dimension of the document depicted in the image satisfying a predetermined size threshold or an alignment of the document depicted within the image satisfying a predetermined alignment threshold;

modifying the image to satisfy the predetermined criteria by at least one of cropping, rotating, or otherwise changing an orientation of the image to satisfy the predetermined image criteria using the processor of the mobile computing device; and

transmitting deposit information to the deposit server, wherein the deposit information includes the modified image, deposit account information, deposit amount information, or a combination thereof.

2. The method of claim 1, wherein the image capturing device is a digital camera.

3. The method of claim 2, wherein implementing, by the mobile computing device, the document processing application further comprises:

authorizing the mobile computing device when the mobile computing device is confirmed by the deposit server to have an authorized digital certificate installed on the mobile computing device; and

transmitting the deposit information to the deposit server when the mobile computing device is authorized.

4. The method of claim 2, wherein implementing, by the mobile computing device, the document processing application further comprises:

when the image is determined to satisfy the predetermined criteria, enabling the image capturing device to capture a second image of the document, wherein the image depicts a front side of the document and the second image depicts a back side of the document.

5. The method of claim 2, wherein implementing, by the mobile computing device, the document processing application further comprises:

when the image is determined not to satisfy the predetermined criteria, displaying, on the display screen, editing instructions for editing an image characteristic of the image.

6. The method of claim 5, wherein the editing instructions include an image cropping instruction and an image rotation instruction.

7. The method of claim 5, wherein implementing, by the mobile computing device, the document processing application further comprises:

storing, on a memory of the mobile computing device, an edited image that has been edited from the image of the document;

determining the edited image satisfies the predetermined criteria; and

transmitting the edited image to the deposit server.

8. The method of claim 2, wherein implementing, by the mobile computing device, the document processing application further comprises:

generating a log file comprising identification information of the image capturing device;

generating a folder location dedicated to the document processing application in a memory of the mobile computing device; and

storing the log file and the image of the document in the folder location.

9. The method of claim 8, wherein implementing, by the mobile computing device, the document processing application further comprises:

deleting the log file and the image of the document from the folder location according to a cleanup protocol of the document processing application after the image of the document is transmitted to the deposit server.

10. The method of claim 2, wherein implementing, by the mobile computing device, the document processing application further comprises:

authorizing the mobile computing device when a fingerprint obtained from the mobile computing device is confirmed by the deposit server.

11. A mobile computing device for processing a document depicted in a digital image, the mobile computing device comprising:

a communication interface configured to receive a document processing application from a remote server based on the mobile computing device being authorized to receive the document processing application;

a display screen configured to display a graphical user interface;

an input device configured to receive a user input corresponding to input options included in the graphical user interface; and

a processor configured to implement the document processing application to;

configure an image capturing device according to the document processing application;

control the image capturing device to capture an image of a document;

determine the image satisfies a predetermined image criteria based on at least one of a size dimension of the document depicted in the image satisfying a predetermined size threshold or an alignment of the document depicted within the image satisfying a predetermined alignment threshold;

modify the image to satisfy the predetermined criteria by at least one of cropping, rotating, or otherwise changing an orientation of the image to satisfy the predetermined image criteria using the processor; and

transmit the image of the document to a deposit server.

12. The mobile computing device of claim 11, wherein the image capturing device is a digital camera.

13. The mobile computing device of claim 11, wherein the mobile computing device is authorized by the deposit server when the mobile computing device is confirmed to have an authorized digital certificate installed on the mobile computing device.

14. The mobile computing device of claim 11, wherein the processor is further configured to implement the document processing application to:

when the image is determined to satisfy the predetermined criteria, enable the image capturing device to capture a second image of the document, wherein the image depicts a front side of the document and the second image depicts a back side of the document.

15. The mobile computing device of claim 11, wherein the processor is further configured to implement the document processing application to:

when the image is determined not to satisfy the predetermined criteria, display editing instructions within the graphical user interface for editing a visual characteristic of the image.

16. The mobile computing device of claim 15, wherein the editing instructions include an image cropping instruction and an image rotation instruction.

17. The mobile computing device of claim 15, wherein the processor is further configured to implement the document processing application to:

store an edited image that has been edited from the image of the document;

determine the edited image satisfies the predetermined criteria; and

transmit the edited image to the deposit server.

18. The mobile computing device of claim 11, wherein the processor is further configured to implement the document processing application to:

generate a log file comprising identification information describing the image capturing device;

generate a folder location dedicated to the document processing application in a memory of the mobile computing device; and

store the log file and the image of the document in the folder location.

19. The mobile computing device of claim 18, wherein the processor is further configured to implement the document processing application to:

delete the log file and the image of the document from the folder location according to a cleanup protocol of the document processing application after the image of the document is transmitted to the deposit server.

20. The mobile computing device of claim 11, wherein the mobile computing device is authorized by the deposit server when a fingerprint obtained from the mobile computing device is confirmed by the deposit server.