Systems and methods for remote deposit of checks

• US 8,351,677 B1
• Filed: 10/31/2006
• Issued: 01/08/2013
• Est. Priority Date: 10/31/2006
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Oakes, Charles Lee III, Morlen, Randy Ray, Nuggehalli, R. Bharat Prasad, Harpel, Greg Alan, Morris, Michael Frank
• Primary Examiner(s): Azarian, Seyed
• Application Number:
  US11/590,963
• Time in Patent Office: 2,261 Days
• Field of Search: 382/112, 382/113, 382/115, 382/116, 382/135, 382/137, 382/138, 382/139, 382/140, 382/155, 382/168, 382/181, 382/182, 382/187, 382190-203, 382/232, 382/260, 382/274, 382/276, 382/287, 382/294, 382/295, 382/305, 382/320, 382/321, 235/379, 709/219, 705/45, 705/64, 705/21
• US Class Current: 382/137
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence

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 processor-implemented method for processing a check deposit, comprising:

receiving, at a financial institution, a customer request relating to remote deposit of a check;

transmitting, in response to the customer request, a deposit processing component from a server to a customer controlled device communicatively coupled to a general purpose image capture device;

receiving at said financial institution a check image from the deposit processing component running on the customer controlled device, the check image captured by the image capture device, and where said check image comprises an image of a possible back side of said check;

performing by a processor at the financial institution Optical Character Recognition (OCR) on said check image, wherein said performing OCR comprises performing OCR on a Magnetic Ink Character Recognition (MICR) line location of said image of said possible back side of said check to confirm that said image of said possible back side of said check does not bear a MICR line; and

obtaining deposit information from said check image based on the OCR.

2. The method of claim 1, wherein said performing OCR comprises performing OCR on said MICR line location of said check image.

3. The method of claim 2, wherein said performing OCR on said MICR line location comprises performing OCR on a routing number.

4. The method of claim 2, wherein said performing OCR on said MICR line location comprises performing OCR on an account number.

5. The method of claim 2, wherein said performing OCR on said MICR line location comprises performing OCR on a check number.

6. The method of claim 1, wherein said performing OCR comprises performing OCR on an amount location of said check image.

7. The method of claim 1, wherein said performing OCR comprises performing OCR on an account holder name.

8. The method of claim 1, wherein said performing OCR comprises performing OCR on an endorsement signature.

9. A system for processing a check deposit, comprising:

a memory;

a processor disposed in communication with said memory, and configured to execute a plurality of processing instructions stored in the memory to;

receive, at a financial institution, a customer request relating to remote deposit of a check;

transmit, in response to the customer request, a deposit processing component from a server to a customer controlled device communicatively coupled to a general purpose image capture device;

receive at said financial institution a check image from the deposit processing component running on the customer controlled device, the check image captured by the image capture device, and where said check image comprises an image of a possible back side of said check;

perform by a processor at the financial institution Optical Character Recognition (OCR) on said check image, wherein said performing OCR comprises performing OCR on a Magnetic Ink Character Recognition (MICR) line location of said image of said possible back side of said check to confirm that said image of said possible back side of said check does not bear a MICR line; and

obtain deposit information from said check image based on the OCR.

10. The system of claim 9, wherein the performing OCR comprises performing OCR on said MICR line location of said image.

11. The system of claim 10, wherein the performing OCR on said MICR line location comprises performing OCR on a routing number.

12. The system of claim 10, wherein the performing OCR on said MICR line location comprises performing OCR on an account number.

13. The system of claim 10, wherein the performing OCR on said MICR line location comprises performing OCR on a check number.

14. The system of claim 9, wherein the performing OCR comprises performing OCR on an amount location of said check image.

15. The system of claim 9, wherein the performing OCR comprises performing OCR on an account holder name.

16. The system of claim 9, wherein the performing OCR comprises performing OCR on an endorsement signature.

17. A computer readable medium storing computer-executable instructions executed by a processor to:

receive, at a financial institution, a customer request relating to remote deposit of a check;

transmit, in response to the customer request, a deposit processing component from a server to a customer controlled device communicatively coupled to a general purpose image capture device;

receive at said financial institution a check image from the deposit processing component running on the customer controlled device, the check image captured by the image capture device, and where said check image comprises an image of a possible back side of said check;

perform by a processor at the financial institution Optical Character Recognition (OCR) on said check image, wherein said performing OCR comprises performing OCR on a Magnetic Ink Character Recognition (MICR) line location of said image of said possible back side of said check to confirm that said image of said possible back side of said check does not bear a MICR line; and

obtain deposit information from said check image based on the OCR.

18. The computer readable medium of claim 17, wherein said instructions for performing OCR comprises instructions for performing OCR on said MICR line location of said check image.

19. The computer readable medium of claim 18, wherein the instructions for performing OCR on said MICR line location further comprises instructions for performing OCR on a routing number.

20. The computer readable medium of claim 18, wherein the instructions for performing OCR on said MICR line location further comprises instructions for performing OCR on an account number.

21. The computer readable medium of claim 18, wherein the instructions for performing OCR on said MICR line location further comprises instructions for performing OCR on a check number.

22. The computer readable medium of claim 17, wherein the instructions for performing OCR further comprises instructions for performing OCR on an amount location of said check image.

23. The computer readable medium of claim 17, wherein the instructions for performing OCR further comprises instructions for performing OCR on an account holder name.

24. The computer readable medium of claim 17, wherein the instructions for performing OCR further comprises instructions for performing OCR on an endorsement signature.