Computer systems for updating a record to reflect data contained in image of document automatically captured on a user's remote mobile phone displaying an alignment guide and using a downloaded app

A non-transitory computer readable medium storing a downloaded program that, when run by a mobile device having a camera, causes the mobile device to perform operations for depositing a check, the operations including:

• generating an alignment guide associated with a field of view of the camera, the alignment guide to align with the check in the field of view;
• displaying, on the display, the alignment guide in the field of view of the camera to assist a user in positioning the check for automatic capture of an image of the check that is suitable for electronic check deposit;
• determining whether the check is properly positioned relative to the alignment guide in the field of view;
• adjusting the displayed alignment guide without user intervention so that an image of the check displayed in the field of view of the camera is positioned within the alignment guide;
• automatically capturing the image of the check when the check is determined to be properly positioned in the field of view;
• analyzing the image of the check to determine that data contained in the image of the check is readable such that the data contained in the image may be parsed and processed to deposit the check;
• and
• transmitting the image of the check from the mobile device to a server via a communication pathway between the mobile device and the server.

A system comprising:

• a mobile device comprising a first processor coupled to a first memory, the first memory storing a pre-installed program comprising instructions that, when executed by the first processor, cause the mobile device to perform operations including:
• displaying, on a display of the mobile device, an alignment guide in a field of view of a camera of the mobile device;
• determining whether a check is properly positioned relative to the alignment guide in the field of view;
• adjusting the displayed alignment guide without user intervention so that an image of the check displayed in the field of view of the camera is positioned within the alignment guide;
• automatically capturing an image of the check when the check is properly positioned;
• and
• transmitting the image of the check from the mobile device;
• a second processor, remote from the mobile device, coupled to a second memory storing instructions that, when executed by the second processor, cause the system to perform operations including:
• receiving a request for remote access to an account from the mobile device;
• sending an instruction to the mobile device that causes the mobile device to execute at least part of the pre-installed program;
• and
• receiving the transmitted image;
• and
• a computer, remote from the mobile device, adapted to adjust the account responsive to data contained within the received image.

A technology system for mobile deposit of a check into a user's account without the user needing to physically visit a banking machine or a bank branch, the system comprising:

• a mobile phone having a camera, a display, a processor, and a memory, the memory storing a previously downloaded app,
• the mobile phone configured to receive a message transmitted from a source remote from the mobile phone, the message causing the processor to at least partially execute the previously downloaded app,
• wherein the previously downloaded app includes instructions that, when executed by the processor, cause the mobile phone to perform operations including:
• generating an alignment guide associated with a field of view of the camera, the alignment guide configured to align with the check in the field of view;
• displaying, on the display, the alignment guide in the field of view of the camera to assist a user in positioning the check for automatic capture of an image of the check that is suitable for electronic check deposit;
• after the displaying, adjusting the displayed alignment guide without user intervention so that an image of the check displayed in the field of view of the camera is positioned within the alignment guide;
• automatically capturing the image of the check when the check is determined to be properly positioned in the field of view;
• analyzing the image of the check to determine the image is suitable for electronic check deposit;
• and
• after the analyzing, sending the image from the mobile phone to a server for mobile deposit without the user needing to physically visit a banking machine and without the user needing to physically visit a bank branch;
• and
• a computer configured to deposit the check in the user's account after the sending.