Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments

• US 9,779,392 B1
• Filed: 08/19/2010
• Issued: 10/03/2017
• Est. Priority Date: 08/19/2009
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Prasad, Bharat, Burks, Rickey Dale, Liang, Minya
• Primary Examiner(s): Apple, Kirsten
• Assistant Examiner(s): Anderson, Michael W
• Application Number:
  US12/859,741
• Time in Patent Office: 2,602 Days
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.

Claims

1. A method, comprising:

receiving, at a message broker server, a negotiable instrument deposit information subscription request and a subscription rule from a financial institution;

registering, by the message broker server, the financial institution as a negotiable instrument deposit information subscriber based on the received subscription rule;

receiving, by the message broker server, an access request to access the message broker server from a computing device;

in response to receiving the access request, remotely directing, by the message broker server, the computing device to perform an authentication process;

identifying, by the message broker server, a digital certificate assigned to an image capture device of the computing device according to the authentication process;

validating as part of the authentication process, by the message broker server, the image capture device based on the digital certificate assigned to the image capture device; and

in response to validating the image capture device, remotely controlling, by the message broker service, the image capture device to capture an image of a negotiable instrument;

receiving, at the message broker server, the image of the negotiable instrument and metadata associated with the negotiable instrument, the metadata including a magnetic ink character recognition (MICR) string;

determining, by the message broker server, a status of the negotiable instrument based on the received metadata regarding a proposed deposit of the negotiable instrument by;

comparing a MICR string of the image of the negotiable instrument to a record of previously presented negotiable instruments stored as images according to an optical character recognition (OCR) on the MICR string of the image and modifying a respective MICR string in the metadata to replace non-numeric characters in the MICR string in the metadata with spaces, except for misreads, and saving the modified MICR string; and

identifying a matching negotiable instrument according to the comparing of the MICR string; and

communicating, by the message broker server, the status of the negotiable instrument to the financial institution.

2. The method of claim 1, wherein the determining of the status of the negotiable instrument further includes performing a clearinghouse search based on the received metadata regarding the proposed deposit of the negotiable instrument.

3. The method of claim 2, wherein the performing of the clearinghouse search includes the MICR matching.

4. The method of claim 1, wherein the replacing of the non-numeric characters with spaces includes preserving an amount of blank spaces in an original version of the MICR string.

5. The method of claim 1, wherein the MICR string includes numerals, blank spaces, and misreads.

6. The method of claim 5, further comprising communicating the status of the negotiable instrument only when non-misread characters MICR string matches non-misread characters of a respective string of a potential match MICR.

7. The method of claim 1, wherein comparing the MICR string includes comparing the MICR string to a potential match MICR of a previously presented negotiable instrument using a regular expression.

8. A message broker, comprising:

input/output circuitry, configured to;

receive, from a requesting server of a financial institution, a subscription rule, and a negotiable instrument deposit information subscription request;

receive, from a computing device, an access request to access the message broker server;

in response to receiving the access request, remotely direct the computing device to perform an authentication process;

identify a digital certificate assigned to an image capture device of the computing device according to the authentication process;

validate as part of the authentication process, the image capture device based on the digital certificate assigned to the image capture device;

in response to validating the image capture device, remotely control the image capture device to capture an image of a negotiable instrument;

receive the image of the negotiable instrument and metadata associated with the negotiable instrument, the metadata including a magnetic ink character recognition (MICR) string; and

communicate, to the requesting server, confirmation of a negotiable instrument deposit information subscription and a status of the negotiable instrument;

registration circuitry configured to register the financial institution as a negotiable instrument deposit information subscriber based on the received subscription rule; and

query circuitry, configured to;

compare the MICR string of the negotiable instrument to each of a set of previously presented negotiable instruments using a regular expression to identify a match between the negotiable instrument and a previously presented negotiable instrument of the set, the set stored as images;

identify, using the regular expression, the MICR string of the image of the negotiable instrument and the MICR string of at least some of the instruments of the set by optical character recognition (OCR);

modify the MICR string in the metadata by replacing identified MICR symbols in the MICR string identified in the image with a designated character and saving the modified MICR string;

identify a matching instrument of the at least some of the instruments due to non-misread characters of a respective MICR string of the matching instrument matching the respective MICR string of the negotiable instrument; and

communicate the status of the negotiable instrument to the input/output circuitry according to the status information associated with the matching instrument and the received subscription rule.

9. The message broker of claim 8, wherein the query circuitry is further configured to further modify the MICR string on each of the at least some of the instruments of the set by replacing non-numeric characters except for misreads with spaces so that the modified MICR string for each of the at least some of the instruments includes a MICR string including numerals, blank spaces, and at least one misread.

10. The message broker of claim 9, wherein the query circuitry is further configured to replace the non-numeric characters with spaces and maintain an amount of spaces in an original version of the MICR string of the negotiable instrument.

11. The message broker of claim 8, wherein the query circuitry is further configured to determine the status of the negotiable instrument according to a clearinghouse search based on the metadata of the negotiable instrument.

12. The message broker of claim 11, wherein the clearinghouse search includes the MICR matching.

13. The message broker of claim 8, wherein the input/output circuitry is further configured to communicate the status of the negotiable instrument to the requesting server of the financial institution within a batch file that includes status of other negotiable instruments.

14. The message broker of claim 8, wherein the query circuitry is further configured to communicate the status of the negotiable instrument to the input/output circuitry according processed biometrics data, wherein the processed biometrics data is attached to the metadata of negotiable instrument.

15. A system, comprising:

input/output circuitry, configured to;

receive, from a computing device, an access request to access the message broker server;

in response to receiving the access request, remotely direct the computing device to perform an authentication process;

identify a digital certificate assigned to an image capture device of the computing device according to the authentication process;

validate as part of the authentication process, the image capture device based on the digital certificate assigned to the image capture device;

in response to validating the image capture device, remotely control the image capture device to capture an image of a negotiable instrument;

receive the image of the negotiable instrument and metadata associated with the negotiable instrument the metadata including a magnetic ink character recognition (MICR) string; and

communicate a status of the negotiable instrument to a requesting server; and

query circuitry, configured to;

compare the MICR string in the metadata of the negotiable instrument to each of a set of previously presented negotiable instruments using an optical character recognition (OCR) technique and a regular expression to identify a match between the negotiable instrument and a previously presented negotiable instrument of the set;

identify, using the regular expression, the MICR string of the image of the negotiable instrument and the MICR string on at least some of the instruments of the set;

modify the MICR string in the metadata by replacing identified MICR symbols in the MICR string identified in the image with a designated character and saving the modified MICR string;

identify a matching instrument of the at least some of the instruments due to non-misread characters of a respective MICR string of the matching instrument matching the respective MICR string of the negotiable instrument; and

communicate the status of the negotiable instrument to the input/output circuitry according to status information associated with the matching instrument.

16. The system of claim 15, wherein the query circuitry is further configured to further modify the MICR string on each of the at least some of the instruments of the set by replacing non-numeric characters except for misreads with spaces so that the modified MICR string for each of the at least some of the instruments includes a MICR string including numerals, blank spaces, and at least one misread.

17. The system of claim 16, wherein the query circuitry is further configured to replace the non-numeric characters with spaces and maintain an amount of spaces in an original version of the MICR string of the negotiable instrument.

18. The system of claim 15, wherein the query circuitry is further configured to determine the status of the negotiable instrument according to a clearinghouse search based on the metadata of the negotiable instrument.

19. The system of claim 18, wherein the clearinghouse search includes the MICR matching.

20. The system of claim 15, comprising registration circuitry configured to:

receive a negotiable instrument deposit information subscription request and a subscription rule from the financial institution; and

register the financial institution as a negotiable instrument deposit information subscriber based on the received subscription rule.