Systems and methods for verification of remotely deposited checks
First Claim
Patent Images
1. A server implemented method for processing a check, comprising:
- receiving, by a server, a request from a customer-controlled device, the customer-controlled-device including a general purpose image capture device, to initiate a session;
transmitting, by the server to the customer-controlled device, software facilitating the session for processing the check; and
upon determining, by the server, if a customer meets at least one criteria of trustworthiness based on information included in the request, initiating the session by the server, wherein the server is further configured to facilitate the session by;
receiving an image of a first side of the check captured by the general purpose image capture device of the customer-controlled device during the session, wherein the image of the first side includes information identifying a Magnetic Ink Character Recognition (MICR) line portion;
analyzing in real time the image of the first side during the session;
identifying the MICR line portion based on the analysis during the session;
determining whether to process the check for a deposit transaction based on the identified MICR line portion during the session;
in response to successfully identifying the MICR line portion, transmitting a notification to the customer-controlled device that the check will be processed for the deposit transaction; and
processing the check to complete the deposit transaction.
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Accused Products
Abstract
Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting “face recognition” of a received check image to verify it'"'"'s authenticity and/or detecting MICR line indications that a check is no longer valid.
815 Citations
27 Claims
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1. A server implemented method for processing a check, comprising:
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receiving, by a server, a request from a customer-controlled device, the customer-controlled-device including a general purpose image capture device, to initiate a session; transmitting, by the server to the customer-controlled device, software facilitating the session for processing the check; and upon determining, by the server, if a customer meets at least one criteria of trustworthiness based on information included in the request, initiating the session by the server, wherein the server is further configured to facilitate the session by; receiving an image of a first side of the check captured by the general purpose image capture device of the customer-controlled device during the session, wherein the image of the first side includes information identifying a Magnetic Ink Character Recognition (MICR) line portion; analyzing in real time the image of the first side during the session; identifying the MICR line portion based on the analysis during the session; determining whether to process the check for a deposit transaction based on the identified MICR line portion during the session; in response to successfully identifying the MICR line portion, transmitting a notification to the customer-controlled device that the check will be processed for the deposit transaction; and processing the check to complete the deposit transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A server for processing a check, comprising:
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a processor; an interface in communication with the processor; and wherein the processor is configured to; receive a request from a customer-controlled device, the customer-controlled device including a general purpose image capture device, to initiate a session for processing a check; transmit, from the server to the customer-controlled device, software facilitating the session for processing the check; receive an image of a first side of the check, wherein the image of the first side includes information identifying a Magnetic Ink Character Recognition (MICR) line portion; and determine whether a customer meets at least one criteria of trustworthiness based on information included in the request from the customer-controlled device, and when the customer meets the at least one criteria, initiate the session by the processor, wherein the processor is further configured to; analyze in real time the image of the first side during the session; identify the MICR line portion based on the analysis during the session; determine whether to process the check for a deposit transaction based on the identified MICR line portion during the session; in response to successfully identifying the MICR line portion, cause the transmission of a notification to the customer-controlled device that the check will be processed for the deposit transaction during the session; and process the check to complete the deposit transaction. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory computer readable medium storing instructions executable by a processor of a server, the processor of the server executing the instructions to:
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receive a request from a customer-controlled computing device, the customer-controlled device including a general purpose image capture device, to initiate a session; transmit, from the server to the customer-controlled device, software facilitating the session for processing a check; determine whether a customer meets at least one criteria of trustworthiness based on information included in the request, and when the customer meets the at least one criteria, initiate the session by the processor of the server, wherein the processor of the server is further configured to facilitate the session by executing instructions to; receive an image of a first side of the check during the session, wherein the image of the first side includes information identifying a Magnetic Ink Character Recognition (MICR) line portion; analyze in real time the image of the first side during the session; identify the MICR line portion based on the analysis during the session; determine whether to process the check for a deposit transaction based on the identified MICR line portion during the session; in response to successfully identifying the MICR line portion, cause a transmission of a notification to the customer-controlled device that the check will be processed for the deposit transaction during the session; and process the check to complete the deposit transaction. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27)
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Specification