Apparatuses, methods and systems for remote deposit capture with enhanced image detection
First Claim
1. A financial instrument image enhancement method for remote deposit implemented in a financial service computer system having a processor and a memory in communication with the processor, the method comprising:
- receiving a request at the processor to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the financial service computer system and in communication with an image capture device;
the processor establishing a secure communications channel to the portable device using depositor identifying information;
the processor transmitting a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device;
the processor receiving an image of the financial instrument from the portable device via the secure communications channel;
the processor extracting a rectangular financial instrument image from the image of the financial instrument by determining a plurality of corners of the financial instrument in the received image, wherein determining the plurality of corners of the financial instrument in the received image comprises;
dividing the image of the financial instrument image into sub-images;
determining anomaly scores for a plurality of the sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image; and
determining the plurality of corners based on the anomaly scores;
the processor extracting deposit information from the rectangular financial instrument image; and
the processor depositing funds as indicated by the financial instrument based on the extracted deposit information.
2 Assignments
0 Petitions
Accused Products
Abstract
The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.
818 Citations
22 Claims
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1. A financial instrument image enhancement method for remote deposit implemented in a financial service computer system having a processor and a memory in communication with the processor, the method comprising:
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receiving a request at the processor to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the financial service computer system and in communication with an image capture device; the processor establishing a secure communications channel to the portable device using depositor identifying information; the processor transmitting a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device; the processor receiving an image of the financial instrument from the portable device via the secure communications channel; the processor extracting a rectangular financial instrument image from the image of the financial instrument by determining a plurality of corners of the financial instrument in the received image, wherein determining the plurality of corners of the financial instrument in the received image comprises; dividing the image of the financial instrument image into sub-images; determining anomaly scores for a plurality of the sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image; and determining the plurality of corners based on the anomaly scores; the processor extracting deposit information from the rectangular financial instrument image; and the processor depositing funds as indicated by the financial instrument based on the extracted deposit information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 19, 20)
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18. A financial instrument image enhancement non-transitory processor-readable medium for remote deposit, storing a plurality of processing instructions, comprising issuable instructions by a processor to:
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receive a request to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the processor and in communication with an image capture device; establish a secure communications channel to the portable device; transmit a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device; receive an image of the financial instrument from the portable device via the secure communications channel; extract a rectangular financial instrument image from the image of the financial instrument by determining a plurality of corners of the financial instrument in the received image, wherein determining the plurality of corners of the financial instrument in the received image comprises; dividing the image of the financial instrument image into sub-images; determining anomaly scores for a plurality of the sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image; and determining the plurality of corners based on the anomaly scores; extract deposit information from the rectangular financial instrument image; and deposit funds as indicated by the financial instrument based on the extracted deposit information.
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21. A financial instrument image enhancement system for remote deposit, comprising:
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means for receiving a request to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the financial instrument image enhancement system and in communication with an image capture device; means for establishing a secure communications channel to the portable device using depositor identifying information; means for transmitting a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device; means for receiving an image of the financial instrument from a portable device via the secure communications channel; means for extracting a rectangular financial instrument image from the image of the financial instrument by determining a plurality of corners of the financial instrument in the received image, wherein determining the plurality of corners of the financial instrument in the received image comprises; dividing the image of the financial instrument image into sub-images; determining anomaly scores for a plurality of the sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image; determining the plurality of corners based on the anomaly scores; wherein, in response to determining that the anomaly score for a respective sub-image is greater than a predetermined score, the processor is configured to detect a corner in the respective sub-image; and wherein, in response to determining that the anomaly score for a respective sub-image is less than the predetermined score, the processor is configured to determine a corner in the respective sub-image based on symmetric projection of a detected corner of the respective sub-image; means for extracting deposit information from the rectangular financial instrument image; and means for depositing funds as indicated by the financial instrument based on the extracted deposit information.
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22. A financial instrument image enhancement apparatus for remote deposit, comprising:
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a memory; a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to; receive a request at the processor to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the financial instrument image enhancement apparatus and in communication with an image capture device; establish a secure communications channel to the portable device using depositor identifying information; transmit a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device; receive an image of the financial instrument from a portable device via the secure communications channel; extract a rectangular financial instrument image by determining a plurality of corners of the financial instrument in the received image wherein determining the plurality of corners of the financial instrument in the received image comprises; dividing the image of the financial instrument image into sub-images; determining an anomaly scores for a plurality of the each sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image; and determining the plurality of corners based on the anomaly scores; extract deposit information from the rectangular financial instrument image; and deposit funds as indicated by the financial instrument based on the extracted deposit information.
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Specification