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US 10,482,432 B1Granted
Systems and methods for remote deposit of checks
AssigneeUnited Services Automobile Association (USAA)
InventorsCharles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
Life of this patent
Estimating the term…
Abstract
Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
Claims23
A system comprising:
- a customer's mobile device including a downloaded app, the downloaded app provided by a bank to control check deposit by causing the customer's mobile device to perform:
- instructing the customer to have a digital camera take a photo of a check;
- giving an instruction to assist the customer in placing the digital camera at a proper distance away from the check for taking the photo;
- presenting the photo of the check to the customer after the photo is taken with the digital camera;
- using a wireless network, transmitting a copy of the photo from the customer's mobile device and submitting the check for mobile check deposit in the bank after presenting the photo of the check to the customer;
- and
- a bank computer programmed to update a balance of an account to reflect an amount of the check submitted for mobile check deposit by the customer's mobile device;
- wherein the downloaded app causes the customer's mobile device to perform additional steps including:
- confirming that the mobile check deposit can go forward after optical character recognition is performed on the check in the photo;
- and
- checking for errors before the submitting step.
8 more elements
Dependencies are inferred from the claim text.