Systems and methods for image monitoring of check during mobile deposit

• US 9,569,756 B1
• Filed: 06/20/2013
• Issued: 02/14/2017
• Est. Priority Date: 08/21/2009
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Bueche, Michael Patrick Jr., Prasad, Bharat, Liang, Minya, Medina, Reynaldo, Oakes, Charles Lee III
• Primary Examiner(s): Ansari, Tahmina
• Application Number:
  US13/922,686
• Time in Patent Office: 1,335 Days
• Field of Search: None
• US Class Current: 1/1
• 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 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: H04N 7/183 for receiving images from a single remote source

Abstract

An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user'"'"'s bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

Claims

1. A system comprising:

an image capture device;

a memory; and

a processor in communication with the image capture device and the memory, the processor configured to;

monitor an image of a negotiable instrument in a field of view of the image capture device with respect to a monitoring criterion;

capture the image of the negotiable instrument with the image capture device when the image of the negotiable instrument passes the monitoring criterion; and

send the captured image of the negotiable instrument for depositing the negotiable instrument to a financial institution server through a communication pathway between the system and the financial institution server.

2. The system of claim 1, where the processor is further configured to provide feedback, through a user interface, regarding the image of the negotiable instrument with respect to the monitoring criterion prior to the capture of the image of the negotiable instrument.

3. The system of claim 2, where the processor is further configured to provide the feedback when the image of the negotiable instrument fails to pass the monitoring criterion.

4. The system of claim 3, where the feedback comprises an instruction to position the negotiable instrument in the field of view of the image capture device in order to pass the monitoring criterion.

5. The system of claim 4, where the processor is further configured to provide the feedback visually in the field of view of the image capture device displayed through a user interface.

6. The system of claim 1, where the processor is configured to monitor the image of the negotiable instrument in the field of view of the image capture device with respect to a monitoring criterion without providing feedback, through a user interface, regarding the monitoring of the image of the negotiable instrument in the field of view of the image capture device.

7. The system of claim 6, where the processor is configured to capture the image of the negotiable instrument with the image capture device without having provided feedback, through a user interface, regarding the monitoring of the image of the negotiable instrument in the field of view of the image capture device.

8. The system of claim 1, wherein to monitor the image of the negotiable instrument in the field of view of the image capture device with respect to the monitoring criterion, the processor is further configured to:

measure distance from an edge of the negotiable instrument in the field of view of the image capture device to an edge of the field of view; and

compare the measured distance to a predetermined value to determine if skew is present in the image of the negotiable instrument in the field of view of the image capture device.

9. The system of claim 1, wherein the monitoring criterion comprises whether a corner of the image of the negotiable instrument in the field of view of the image capture device can be detected.

10. The system of claim 1, where the processor is further configured to monitor the image of the negotiable instrument in the field of view of the image capture device through a video stream and where the image of the negotiable instrument is a frame of the video stream.

11. A system comprising:

an image capture device;

a memory; and

a processor in communication with the image capture device and the memory, the processor configured to;

monitor an image of a negotiable instrument in a field of view of the image capture device with respect to a monitoring criterion;

automatically capture, without user intervention, the image of the negotiable instrument with the image capture device when the image of the negotiable instrument passes the monitoring criterion; and

send the captured image of the negotiable instrument for depositing the negotiable instrument to a financial institution server through a communication pathway between the system and the financial institution server.

12. The system of claim 11, where the processor is further configured to provide feedback, through a user interface, regarding the image of the negotiable instrument with respect to the monitoring criterion prior to the capture of the image of the negotiable instrument.

13. The system of claim 12, where the processor is further configured to provide the feedback when the image of the negotiable instrument fails to pass the monitoring criterion.

14. The system of claim 13, where the feedback comprises an instruction to position the negotiable instrument in the field of view of the image capture device in order to pass the monitoring criterion.

15. The system of claim 14, where the processor is further configured to provide the feedback visually in the field of view of the image capture device displayed through a user interface.

16. The system of claim 11, where the processor is configured to monitor the image of the negotiable instrument in the field of view of the image capture device with respect to the monitoring criterion without providing feedback, through a user interface, regarding the monitoring of the image of the negotiable instrument in the field of view of the image capture device.

17. The system of claim 16, where the processor is configured to automatically capture the image of the negotiable instrument with the image capture device without having provided feedback, through a user interface, regarding the monitoring of the image of the negotiable instrument in the field of view of the image capture device.

18. The system of claim 11, wherein to monitor the image of the negotiable instrument in the field of view of the image capture device with respect to the monitoring criterion, the processor is further configured to:

measure distance from an edge of the negotiable instrument in the field of view of the image capture device to an edge of the field of view; and

compare the measured distance to a predetermined value to determine if skew is present in the image of the negotiable instrument in the field of view of the image capture device.

19. The system of claim 11, where monitoring criterion comprises whether a corner of the image of the negotiable instrument in the field of view of the image capture device can be detected.

20. The system of claim 11, where the processor is further configured to monitor the image of the negotiable instrument in the field of view of the image capture device through a video stream and where the image of the negotiable instrument is a frame of the video stream.

21. A method for depositing a negotiable instrument comprising:

in a system having an image capture device, a memory, and

a processor in communication with the image capture device and the memory, the processor;

monitoring an image of a negotiable instrument in a field of view of the image capture device with respect to a monitoring criterion;

capturing the image of the negotiable instrument with the image capture device when the image of the negotiable instrument passes the monitoring criterion; and

sending the captured image of the negotiable instrument for depositing the negotiable instrument to a financial institution server through a communication pathway between the system and the financial institution server.

22. The method of claim 21, further comprising the processor providing feedback, through a user interface, regarding the image of the negotiable instrument with respect to the monitoring criterion prior to the capture of the image of the negotiable instrument.

23. The method of claim 22, further comprising the processor providing the feedback when the image of the negotiable instrument fails to pass the monitoring criterion.

24. The method of claim 23, where the feedback comprises an instruction to position the negotiable instrument in the field of view of the image capture device in order to pass the monitoring criterion.

25. The method of claim 24, wherein capturing the image further comprises the processor automatically capturing the image, without user intervention, of the negotiable instrument when the image of the negotiable instrument passes the monitoring criterion.

26. The method of claim 21, where the monitoring comprises monitoring the image of the negotiable instrument in the field of view of the image capture device with respect to the monitoring criterion without providing feedback, through a user interface, regarding the monitoring of the image of the negotiable instrument in the field of view of the image capture device.

27. The method of claim 26, where the capturing comprises capturing the image of the negotiable instrument with the image capture device without having provided feedback, through a user interface, regarding the monitoring of the image of the negotiable instrument in the field of view of the image capture device.

28. The method of claim 21, wherein monitoring the image of the negotiable instrument in the field of view of the image capture device with respect to the monitoring criterion further comprises the processor:

measuring distance from an edge of the negotiable instrument in the field of view of the image capture device to an edge of the field of view; and

comparing the measured distance to a predetermined value to determine if skew is present in the image of the negotiable instrument in the field of view of the image capture device.

29. The method of claim 21, where monitoring criterion comprises whether a corner of the image of the negotiable instrument in the field of view of the image capture device can be detected.

30. The method of claim 21, wherein monitoring the image of the negotiable instrument in the field of view of the image capture device comprises the processor monitoring the negotiable instrument through a video stream and where the image of the negotiable instrument is a frame of the video stream.