Apparatuses, methods and systems for a video remote deposit capture platform
AssigneeUnited Services Automobile Association (USAA)
InventorsTeddy Voutour, Bharat Prasad
Life of this patent
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Abstract
The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.
Claims17
A system comprising:
- a memory;
- an image capture device;
- and
- a processor in communication with the memory and the image capture device, the processor configured to:
- capture an image of a financial instrument associated with a depositor using the image capture device;
- process the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument;
- process the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument;
- calculate a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines;
- crop the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image;
- and
- transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor;
- wherein the processor, in processing the image of the financial instrument to obtain the plurality of sample edge points, is configured to:
- scan the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected;
- and
- scan the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected.
A method comprising:
- capturing an image of a financial instrument associated with a depositor using an image capture device;
- processing the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument;
- processing the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument;
- calculating a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines;
- cropping the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image;
- and
- transmitting the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor;
- wherein processing the image of the financial instrument to obtain the plurality of sample edge points comprises:
- scanning the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected;
- and
- scanning the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected.
A non-transitory computer-readable medium comprising computer executable instructions that when executed by a processor cause the processor to:
- capture an image of a financial instrument associated with a depositor using the image capture device;
- process the image of the financial instrument to obtain a plurality of sample edge points of the financial instrument;
- process the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument;
- calculate a set of corners of the financial instrument based on an intersection of the plurality of vertical and horizontal sample edge lines;
- crop the image of the financial instrument based on the set of calculated corners to create a rectangular financial instrument image;
- and
- transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor;
- wherein the computer executable instructions, when executed by the processor to process the image of the financial instrument to obtain the plurality of sample edge points, cause the processor to:
- scan the image of the financial instrument, starting at a center of the image and moving from inside to outside, until an inner detection sample edge point is detected;
- and
- scan the image of the financial instrument, starting at an edge of the image and moving from outside to inside, until an outer detection sample edge point is detected.
Dependencies are inferred from the claim text.