System and method for mobile check deposit with restricted endorsement

A system comprising:

• a mobile device comprising:
• a network interface configured to communicate data over a network,
• an input device configured to receive an input from a user,
• an image capture device configured to capture an image, the image capture device comprising one or more lenses and an image sensor, wherein the image capture device is integrated into a body of the mobile device,
• a display device,
• a processor, and
• a memory having executable instructions stored thereon,
• wherein the mobile device is configured to:
• capture a first check image by:
• activating an image capture device to generate the first check image comprising an image of a front side of a check,
• overlaying, by a display device, a guide box having red color over the first check image framing the front side of the check, wherein lines at edges of the guide box change color indicating when the first check image is detected by the image capture device,
• applying, by the display device, red color to the lines at the edges of the guide box until the first check image is detected by the image capture device,
• responsive to detecting the first check image by the image capture device, applying, by the display device, green color to the lines at the edges of the guide box, and
• activating an electronic shutter of the image capture device to capture the first check image responsive to detecting the first check image;
• record, by the image capture device, the first check image to a memory responsive to activating the electronic shutter;
• and
• transmit, over a network by a network interface, a deposit request for funds to be deposited into a user account, wherein the deposit request includes the first check image;
• a check processing computer system configured to identify, by a first binary risk level assessment logic, whether a first binary risk level associated with the deposit request is within a specified risk level threshold;
• the mobile device configured to:
• receive, over the network by the network interface, a first request to provide a second check image having a restricted endorsement based on the first binary risk level associated with the deposit request being above the specified risk level threshold, wherein the first binary risk level associated with the deposit request is based on at least one of:
• an account transaction history, information regarding an account balance, a credit history, and a history of fraud regarding a user;
• capture the second check image having the restricted endorsement by:
• activating the image capture device to generate the second check image comprising an image of a back side of the check,
• overlaying, by the display device, the guide box having red color over the second check image framing the back side of the check, wherein the lines at the edges of the guide box change color indicating when the second check image is detected by the image capture device,
• applying, by the display device, red color to the lines at the edges of the guide box until the second check image having the restricted endorsement is detected by the image capture device,
• responsive to detecting the second check image by the image capture device, applying, by the display device, green color to the lines at the edges of the guide box responsive to detecting the second check image having the restricted endorsement by the image capture device, and
• activating the electronic shutter of the image capture device to capture the second check image having the restricted endorsement responsive to detecting the second check image;
• record, by the image capture device, the second check image having the restricted endorsement to the memory of the mobile device responsive to activating the electronic shutter;
• and
• transmit, over the network by the network interface, the second check image having the restricted endorsement;
• the check processing computer system configured to identify, by a second risk level restricted endorsement assessment logic, whether the restricted endorsement is within the second check image;
• the mobile device configured to:
• automatically receive, over the network by the network interface, a second request to provide a corrected second check image having the restricted endorsement based on a second risk level associated with the restricted endorsement, wherein the second risk level associated with the restricted endorsement is based on whether the restricted endorsement is within the second check image based on at least one of:
• a word included in the restricted endorsement, a phrase included in the restricted endorsement, and a location of the restricted endorsement;
• and
• transmit, over the network by the network interface, the corrected second check image having the restricted endorsement comprising a corrected image of the back side of the check having the restricted endorsement within the second check image;
• and
• the check processing computer system configured to automatically deposit the funds into the user account based on the corrected second check image.

A non-transitory computer-readable storage medium storing one or more programs configured to be executed by one or more processors of a computer system, the one or more programs including instructions for:

• capturing a first check image by:
• activating an image capture device of a mobile device to generate the first check image comprising an image of a front side of a check, the image capture device comprising one or more lenses and an image sensor, wherein the image capture device is integrated into a body of the mobile device,
• overlaying, by a display device of the mobile device, a guide box having red color over the first check image framing the front side of the check, wherein lines at edges of the guide box change color indicating when the first check image is detected by the image capture device,
• applying, by the display device of the mobile device, red color to the lines at the edges of the guide box until the first check image is detected by the image capture device,
• responsive to detecting the first check image by the image capture device, applying, by the display device of the mobile device, green color to the lines at the edges of the guide box, and
• activating an electronic shutter of the image capture device to capture the first check image responsive to detecting the first check image;
• recording, by the image capture device, the first check image to a memory of the mobile device responsive to activating the electronic shutter;
• transmitting, over a network by a network interface of the mobile device, a deposit request for funds to be deposited into a user account, wherein the deposit request includes the first check image;
• identifying, by a first binary risk level assessment logic of a check processing system, whether a first binary risk level associated with the deposit request is within a specified risk level threshold;
• receiving, over the network by the network interface of the mobile device, a first request to provide a second check image having a restricted endorsement based on the first binary risk level associated with the deposit request being above the specified risk level threshold, wherein the first binary risk level associated with the deposit request is based on at least one of:
• an account transaction history, information regarding an account balance, a credit history, and a history of fraud regarding a user;
• capturing the second check image having the restricted endorsement by:
• activating the image capture device of the mobile device to generate the second check image comprising an image of a back side of the check,
• overlaying, by the display device of the mobile device, the guide box having red color over the second check image framing the back side of the check, wherein the lines at the edges of the guide box change color indicating when the second check image is detected by the image capture device,
• applying, by the display device of the mobile device, red color to the lines at the edges of the guide box until the second check image having the restricted endorsement is detected by the image capture device,
• responsive to detecting the second check image by the image capture device, applying, by the display device of the mobile device, green color to the lines at the edges of the guide box responsive to detecting the second check image having the restricted endorsement by the image capture device, and
• activating the electronic shutter of the image capture device to capture the second check image having the restricted endorsement responsive to detecting the second check image;
• recording, by the image capture device, the second check image having the restricted endorsement to the memory of the mobile device responsive to activating the electronic shutter;
• transmitting, over the network by the network interface of the mobile device, the second check image having the restricted endorsement;
• identifying, by a second risk level restricted endorsement assessment logic of the check processing system, whether the restricted endorsement is within the second check image;
• automatically receiving, over the network by the network interface of the mobile device, a second request to provide a corrected second check image having the restricted endorsement based on a second risk level associated with the restricted endorsement, wherein the second risk level associated with the restricted endorsement is based on whether the restricted endorsement is within the second check image based on at least one of:
• a word included in the restricted endorsement, a phrase included in the restricted endorsement, and a location of the restricted endorsement;
• transmitting, over the network by the network interface of the mobile device, the corrected second check image having the restricted endorsement comprising a corrected image of the back side of the check having the restricted endorsement within the second check image;
• and
• automatically depositing, by the check processing computer system, the funds into the user account based on the corrected second check image.