Systems and methods for obtaining an image of a check to be deposited

• US 9,892,454 B1
• Filed: 10/23/2007
• Issued: 02/13/2018
• Est. Priority Date: 10/23/2007
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Pollack, Jeff, Morris, Michael Frank, Prasad, Bharat, Major, Frank Kyle, Brady, John Weatherman, Mawyer, Jr., Ralph Paige, Reynolds, Clint James, Shah, Kairav Mahesh
• Primary Examiner(s): Kazimi, Hani M
• Application Number:
  US11/877,335
• Time in Patent Office: 3,766 Days
• Field of Search: 705 45
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor'"'"'s web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.

Claims

1. A negotiable instrument processing system comprising:

a memory; and

a processor in communication with the memory and configured to;

communicate, via a network, with a network browser running on a depositor-controlled computing device;

send, via the network, instructions to the depositor-controlled computing device, the instructions configured for execution using the network browser running on the depositor-controlled computing device, the instructions further configured, upon execution to;

request data listed on a negotiable instrument;

receive depositor input indicative of the data listed on the negotiable instrument;

set at least one parameter on a hardware image capture device in communication with the network browser in order to generate an image of the negotiable instrument sufficient to identify the data listed on the negotiable instrument;

request activation of the image capture device;

receive depositor input indicative of authorizing activation of the image capture device;

in response to receiving the depositor input indicative of authorizing activation of the image capture device, command the image capture device to obtain an image of the negotiable instrument using the image capture device set at the at least one parameter; and

send, via the network, the image of the negotiable instrument and the depositor input indicative of the data listed on the negotiable instrument for analysis of the image of the negotiable instrument in order to verify that the input indicative of the data listed on the negotiable instrument matches the data listed on the negotiable instrument in the image,

wherein the instructions, upon execution using the network browser running on the depositor-controlled computing device, causes the setting of the at least one parameter on the image capture device to enable, upon activation of the image capture device, the image capture device to capture the image with the setting of the at least one parameter.

2. The negotiable instrument processing system of claim 1, wherein the instructions are configured to set resolution on the image capture device in order to capture the image at the resolution.

3. The negotiable instrument processing system of claim 2, wherein the instructions are configured to set a file format on the image capture device in order to capture the image in the file format.

4. The negotiable instrument processing system of claim 3, wherein the image is included in a file;

wherein the instructions are further configured to name the file for the image; and

wherein the instructions are further configured to automatically send the file to the negotiable instrument processing system.

5. The negotiable instrument processing system of claim 1, wherein, in response to receiving the depositor input indicative of authorizing activation of the image capture device, the instructions are configured to command the image capture device to obtain the image of the negotiable instrument at the set format and resolution, and automatically upload the image of the negotiable instrument.

6. The negotiable instrument processing system of claim 5, wherein the depositor input indicative of the data listed on the negotiable instrument comprises a depositor input indicative of a deposit amount of the negotiable instrument;

wherein, in response to receiving the depositor input indicative of the depositor amount of the negotiable instrument, the instructions are configured to instruct the depositor to position the negotiable instrument for image capture by the image capture device and request the activation, via manual input, of the image capture device; and

wherein the instructions for sending comprises sending the image of the negotiable instrument and the depositor input indicative of the deposit amount of the negotiable instrument in order to verify that the depositor input indicative of the deposit amount of the negotiable instrument matches the deposit amount in the image.

7. The negotiable instrument processing system of claim 3, wherein the instructions are configured to request a first manual input from the depositor-controlled computing device, the first manual input indicative of a first depositor request to activate the image capture device to obtain an image of a first side of the negotiable instrument;

wherein, in response to receiving the first manual input, the instructions are configured to command the image capture device to obtain the image of the first side of the negotiable instrument at the set format and resolution and automatically upload the image of the first side of the negotiable instrument;

wherein the instructions are configured to request a second manual input from the depositor-controlled computing device, the second manual input indicative of a second depositor request to activate the image capture device to obtain an image of a second side of the negotiable instrument; and

wherein, in response to receiving the second manual input, the instructions are configured to command the image capture device to obtain the image of the second side of the negotiable instrument at the set format and resolution and automatically upload the image of the second side of the negotiable instrument.

22. The negotiable instrument processing system of claim 1, wherein the negotiable instrument comprises a check;

and wherein the image device comprises a camera.

8. A method for processing a negotiable instrument comprising:

receiving, via a network at a depositor-controlled computing device, instructions configured for execution using a network browser running on the depositor-controlled computing device; and

executing the instructions via the network browser to;

request data listed on a negotiable instrument;

receive depositor input indicative of the data listed on the negotiable instrument;

set at least one parameter on a hardware image capture device in communication with the network browser in order to generate an image of the negotiable instrument sufficient to identify the data listed on the negotiable instrument;

request activation of the image capture device;

receive depositor input indicative of authorizing activation of the image capture device;

in response to receiving the depositor input indicative of authorizing activation of the image capture device, command the image capture device to obtain an image of the negotiable instrument using the image capture device set at the at least one parameter; and

send, via the network, the image of the negotiable instrument and the depositor input indicative of the data listed on the negotiable instrument for analysis of the image of the negotiable instrument in order to verify that the input indicative of the data listed on the negotiable instrument matches the data listed on the negotiable instrument in the image,

wherein the instructions, upon execution using the network browser running on the depositor-controlled computing device, causes the setting of the at least one parameter on the image capture device to enable, upon activation of the image capture device, the image capture device to capture the image with the setting of the at least one parameter.

9. The method of claim 8, wherein setting at least one parameter on the image capture device comprises setting resolution on the image capture device in order to capture the image at the resolution.

10. The method of claim 9, wherein setting at least one parameter on the image capture device comprises setting a file format on the image capture device in order to capture the image in the file format.

11. The method of claim 10, wherein the image is included in a file;

wherein the instructions are further configured to name the file for the image; and

wherein the instructions are further configured to automatically send the file to the negotiable instrument processing system.

12. The method of claim 8, wherein, in response to receiving the depositor input indicative of authorizing activation of the image capture device, the instructions are configured to command the image capture device to obtain the image of the negotiable instrument at the set format and resolution, and automatically upload the image of the negotiable instrument.

13. The method of claim 12, wherein the depositor input indicative of the data listed on the negotiable instrument comprises a depositor input indicative of a deposit amount of the negotiable instrument;

wherein, in response to receiving the depositor input indicative of the depositor amount of the negotiable instrument, the instructions are configured to instruct the depositor to position the negotiable instrument for image capture by the image capture device and request the activation, via manual input, of the image capture device;

wherein the instructions for sending comprises sending the image of the negotiable instrument and the depositor input indicative of the deposit amount of the negotiable instrument in order to verify that the depositor input indicative of the deposit amount of the negotiable instrument matches the deposit amount in the image.

14. The method of claim 11, wherein the instructions are configured to request a first manual input from the depositor-controlled computing device, the first manual input indicative of a first request to activate the image capture device to obtain an image of a first side of the negotiable instrument;

wherein, in response to receiving the first manual input, the instructions are configured to command the image capture device to obtain the image of the first side of the negotiable instrument at the set format and resolution and automatically upload the image of the first side of the negotiable instrument;

wherein the instructions are configured to request a second manual input from the depositor-controlled computing device, the second manual input indicative of a second request to activate the image capture device to obtain an image of a second side of the negotiable instrument; and

wherein, in response to receiving the second manual input, the instructions are configured to command the image capture device to obtain the image of the second side of the negotiable instrument at the set format and resolution and automatically upload the image of the second side of the negotiable instrument.

15. A non-transitory computer-readable storage medium comprising computer-readable instructions configured for execution using a network browser running on a depositor-controlled computing device, the instructions configured, upon execution to:

request data listed on a negotiable instrument;

receive depositor input indicative of the data listed on the negotiable instrument;

set at least one parameter on a hardware image capture device in communication with the network browser in order to generate an image of the negotiable instrument sufficient to identify the data listed on the negotiable instrument;

request activation of the image capture device;

receive depositor input indicative of authorizing activation of the image capture device;

in response to receiving the depositor input indicative of authorizing activation of the image capture device, command the image capture device to obtain an image of the negotiable instrument using the image capture device set at the at least one parameter; and

send, via the network, the image of the negotiable instrument and the depositor input indicative of the data listed on the negotiable instrument for analysis of the image of the negotiable instrument in order to verify that the input indicative of the data listed on the negotiable instrument matches the data listed on the negotiable instrument in the image,

wherein the instructions, upon execution using the network browser running on the depositor-controlled computing device, causes the setting of the at least one parameter on the image capture device to enable, upon activation of the image capture device, the image capture device to capture the image with the setting of the at least one parameter.

16. The non-transitory computer-readable storage medium of claim 15, wherein the instructions are configured to set resolution on the image capture device in order to capture the image at the resolution.

17. The non-transitory computer-readable storage medium of claim 16, wherein the instructions are configured to set a file format on the image capture device in order to capture the image in the file format.

18. The non-transitory computer-readable storage medium of claim 17, wherein the image is included in a file;

wherein the instructions are further configured to name the file for the image; and

wherein the instructions are further configured to automatically send the file to the negotiable instrument processing system.

19. The non-transitory computer-readable storage medium of claim 15, wherein, in response to receiving the depositor input indicative of authorizing activation of the image capture device, the instructions are configured to command the image capture device to obtain the image of the negotiable instrument at the set format and resolution, and automatically upload the image of the negotiable instrument.

20. The non-transitory computer-readable storage medium of claim 19, wherein the depositor input indicative of the data listed on the negotiable instrument comprises a depositor input indicative of a deposit amount of the negotiable instrument;

wherein, in response to receiving the depositor input indicative of the depositor amount of the negotiable instrument, the instructions are configured to instruct the depositor to position the negotiable instrument for image capture by the image capture device and request the activation, via manual input, of the image capture device;

wherein the instructions for sending comprises sending the image of the negotiable instrument and the depositor input indicative of the deposit amount of the negotiable instrument in order to verify that the depositor input indicative of the deposit amount of the negotiable instrument matches the deposit amount in the image.

21. The non-transitory computer-readable storage medium of claim 17, wherein the instructions are configured to request a first manual input from the depositor-controlled computing device, the first manual input indicative of a first request to activate the image capture device to obtain an image of a first side of the negotiable instrument;

wherein, in response to receiving the first manual input, the instructions are configured to command the image capture device to obtain the image of the first side of the negotiable instrument at the set format and resolution and automatically upload the image of the first side of the negotiable instrument;

wherein the instructions are configured to request a second manual input from the depositor-controlled computing device, the second manual input indicative of a second request to activate the image capture device to obtain an image of a second side of the negotiable instrument; and

wherein, in response to receiving the second manual input, the instructions are configured to command the image capture device to obtain the image of the second side of the negotiable instrument at the set format and resolution and automatically upload the image of the second side of the negotiable instrument.