Systems and methods for live video financial deposit
AssigneeUnited Services Automobile Association (USAA)
InventorAndre Rene Buentello
Life of this patent
Estimating the term…
Abstract
A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.
Claims15
A processor-implemented method of depositing a negotiable instrument, comprising:
- authenticating a user using a biometric characteristic;
- receiving, at a remote processor, a live video of a negotiable instrument, the live video being transmitted over a communications network from a video source of a mobile device operated by the user;
- extracting via the remote processor deposit information from the live video of the negotiable instrument;
- and
- depositing funds of the negotiable instrument into an account based on the deposit information extracted from the live video of the negotiable instrument.
A system for depositing a negotiable instrument, comprising:
- at least one memory;
- and
- a processor in communication with the at least one memory, the processor configured to:
- authenticate a user using a biometric characteristic;
- receive a live video from the user, the live video comprising live video of the negotiable instrument and being transmitted over a communications network from a video source of a mobile device operated by the user;
- extract deposit information from the live video of the negotiable instrument;
- and
- deposit funds of the negotiable instrument into an account based on the deposit information extracted from the live video of the negotiable instrument.
Dependencies are inferred from the claim text.