# US 10,769,598 B1 · Systems and methods for remote deposit of checks

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 10,769,598 B1
- Document ID: US10769598B1
- Status: Granted
- Kind: B1
- Application number: 15/709,071
- Filed: 2017-09-19
- Granted: 2020-09-08
- Earliest claimed: 2006-10-31
- Assignees: United States Automobile (USAA)
- Applicants: United Services Automobile Association (USAA)
- Inventors: Charles Lee Oakes, III; Randy Ray Morlen; Michael Frank Morris; Reynaldo Medina, III; Greg Alan Harpel; Gabriel Glenn Gavia; Bharat Prasad; Frank Kyle Major; Jeffrey Neal Pollack
- Web page: https://patentgrep.com/patent/US10769598B1

## CPC

- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 20/04: Payment circuits
- G06Q 20/042: {characterized in that the payment protocol involves at least one cheque}
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06V 10/20: Image preprocessing
- G06V 30/16: Image preprocessing
- G06V 30/2253: {Recognition of characters printed with magnetic ink (G06V30/2247 takes precedence)}
- G06V 30/40: Document-oriented image-based pattern recognition
- G06V 30/41: Analysis of document content (recognition of printed characters based on code marks G06V30/224)
- G06V 40/12: Fingerprints or palmprints
- H04N 1/00204: {with a digital computer or a digital computer system, e.g. an internet server (programmed control between transmitter and receiver or between image input and image output device H04N1/32561)}
- H04N 1/00244: {with a server, e.g. an internet server (fax-servers or the like for store and forward H04N1/324)}
- H04N 1/00307: {with a mobile telephone apparatus (constructional features of portable telephone sets H04M1/0202; mobile radio systems H04W84/00)}
- H04N 1/00816: {Determining the reading area, e.g. eliminating reading of margins}
- H04N 1/387: Composing, repositioning or otherwise {geometrically} modifying originals
- H04N 1/403: Discrimination between the two tones in the picture signal of a two-tone original
- H04N 23/64: {Computer-aided capture of images, e.g. transfer from script file into camera, check of taken image quality, advice or proposal for image composition or decision on when to take image}
- G06K 7/10861: {sensing of data fields affixed to objects or articles, e.g. coded labels (postal sorting B07C3/14, conveying articles B65G47/48)}
- G06V 30/10: Character recognition
- H04N 23/632: {for displaying or modifying preview images prior to image capturing, e.g. variety of image resolutions or capturing parameters}
- H04N 2101/00: Still video cameras
- H04N 2201/001: Sharing resources, e.g. processing power or memory, with a connected apparatus or enhancing the capability of the still picture apparatus
- H04N 2201/0084: Digital still camera
- H04N 2201/0096: Portable devices
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- H04N: PICTORIAL COMMUNICATION, e.g. TELEVISION
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS

## 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.

## Claims

### Claim 1

A method of facilitating remotely depositing funds into a user's account with a bank's computing system and without using an Automatic Teller Machine (ATM), comprising:
providing a remote deposit application for download to a customer device, wherein the remote deposit application comprises computer-executable instructions that, when executed by a processor, provide a user-interface and control a camera associated with the customer device to facilitate capturing at least one electronic image of a check;
receiving at the bank's computing system, via the user-interface on the customer device: authentication data, an electronic identification of an account for receipt of a value associated with the check, an electronic indication of the value associated with the check, and the at least one electronic image of the check;
determining whether the check was previously deposited using the at least one electronic image of the check; and
initiating and/or logging a first deposit of the value to the account via the bank's computing system unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited.

### Claim 2 (depends on 1)

The method of claim 1, comprising passing error processing before initiating and/or logging the deposit of the value to the account.

### Claim 3 (depends on 2)

The method of claim 2, comprising conducting optical character recognition on the at least one electronic image of the check and comparing results of the optical character recognition with validation data as part of the error processing.

### Claim 4 (depends on 1)

The method of claim 1, comprising analyzing the at least one electronic image of the check and confirming that the at least one electronic image of the check meets at least one image criterion before initiating and/or logging the deposit of the value to the account.

### Claim 5 (depends on 4)

The method of claim 4, wherein confirming that the at least one electronic image of the check meets at least one image criterion comprises confirming detection of image data corresponding to an endorsement.

### Claim 6 (depends on 4)

The method of claim 4, wherein analyzing the at least one electronic image of the check comprises analyzing the at least one electronic image of the check with the bank's computing system to confirm the at least one electronic image of the check is legible, is appropriately sized, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature, or a combination thereof.

### Claim 7 (depends on 4)

The method of claim 4, wherein analyzing the at least one electronic image of the check comprises analyzing the at least one electronic image of the check with the customer device to confirm the at least one electronic image of the check is legible, is appropriately sized, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature, or a combination thereof.

### Claim 8 (depends on 1)

The method of claim 1, wherein receiving the at least one electronic image of the check comprises receiving the electronic indication of the value as an embedded aspect of the at least one electronic image.

### Claim 9 (depends on 1)

The method of claim 1, comprising converting the at least one electronic image of the check to a bi-tonal image format.

### Claim 10

A method of facilitating remotely depositing funds into a user's account via Internet-based communication without using an Automatic Teller Machine (ATM), comprising:
coordinating with a remote deposit application on a customer-controlled device to facilitate a deposit procedure including capturing, via a camera associated with the customer-controlled device, at least one electronic image of a check;
validating authentication data provided via the customer-controlled device;
receiving into a bank's computing system, via the customer-controlled device and the Internet-based communication:
an electronic identification of an account for receipt of a value associated with the check and an electronic indication of the value associated with the check, and the at least one electronic image of the check;
determining whether the check was previously deposited using the at least one electronic image of the check; and
after validating the authentication data, triggering a deposit of the value to the account via the bank's computing system unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited.

### Claim 11 (depends on 10)

The method of claim 10, comprising providing the remote deposit application for download to the customer-controlled device, wherein the remote deposit application comprises computer-executable instructions that, when executed by a processor, provide a user-interface and control the camera to facilitate capturing the at least one electronic image of the check.

### Claim 12 (depends on 10)

The method of claim 10, comprising receiving the electronic indication of the value based on optical recognition of image data in the at least one electronic image of the check.

### Claim 13 (depends on 10)

The method of claim 10, comprising analyzing the at least one electronic image of the check with the customer-controlled device or the bank's computing system to confirm the at least one electronic image of the check is legible, is appropriately sized, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature, or a combination thereof before triggering the deposit.

### Claim 14 (depends on 10)

The method of claim 10, comprising displaying a prompt via a user-interface of the customer-controlled device, wherein the prompt provides user instruction regarding initiating a check deposit.

### Claim 15

A system for facilitating remote deposit of funds into a user's account via Internet-based communication without using an Automatic Teller Machine (ATM), comprising:
one or more processors;
communication circuitry configured to receive data from a user-owned device, wherein the data comprises electronic image data for a check; and
one or more tangible, non-transitory machine-readable media comprising processor-executable instructions, that when executed by the one or more processors cause the one or more processors to:
authenticate interaction with the user-owned device based on authentication data received from the user-owned device via the communication circuitry;
accept or determine amount data indicative of an amount of the check from the user-owned device via the communication circuitry;
accept or determine account data identifying an account for receipt of the amount of the check from the user-owned device via the communication circuitry;
accept at least one electronic image of the check from the user-owned device via the communication circuitry;
determine whether the check was previously deposited using the at least one electronic image of the check; and
activate updating of the account to reflect a deposit of the amount into the account unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited.

### Claim 16 (depends on 15)

The system of claim 15, wherein the one or more tangible, non-transitory machine-readable media comprise processor-executable instructions to determine the amount data from the electronic image data using optical character recognition.

### Claim 17 (depends on 15)

The system of claim 15, wherein the authentication data includes a digital certificate or data representing a fingerprint.

### Claim 18 (depends on 15)

The system of claim 15, wherein the one or more tangible, non-transitory machine-readable media comprise processor-executable instructions to analyze and confirm that the at least one electronic image of the check meets at least one image criterion before proceeding to activate updating of the account.

### Claim 19 (depends on 18)

The system of claim 18, wherein the one or more tangible, non-transitory machine-readable media comprise processor-executable instructions to confirm the at least one electronic image of the check is legible, is appropriately sized, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature properly, or a combination thereof before proceeding to activate updating of the account.

### Claim 20 (depends on 15)

The system of claim 15, wherein the one or more tangible, non-transitory machine-readable media comprise processor-executable instructions to convert the at least one electronic image of the check to a bi-tonal image format.