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US 10,896,408 B1Granted
Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments
AssigneeUnited Services Automobile Association (USAA)
InventorsBharat Prasad, Rickey Dale Burks, Minya Liang
Life of this patent
Estimating the term…
Abstract
The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.
Claims14
A method for implementing digital image processing on a digital image, comprising:
- receiving, by a server computer, an access request to access the server computer from a mobile device;
- obtaining, by the server computer according to an authentication process, a digital certificate assigned to the mobile device;
- validating, by the server computer according to the authentication process, the mobile device based on the digital certificate;
- remotely controlling, by the server computer according to the authentication process, the mobile device to cause an imaging device of the mobile device to capture the digital image when the mobile device is validated based on the digital certificate;
- receiving, by the server computer, the digital image captured of a document;
- receiving, by the server computer, metadata related to the document, the metadata including a magnetic ink character recognition (MICR) string and a transit routing number;
- determining, based on a character misread symbol in the metadata related to the document, whether the digital image includes one or more misread characters;
- when the digital image includes one or more misread characters, determining, by the server computer, whether a number of the one or more misread characters exceed a predetermined misread threshold, and when the predetermined misread threshold is exceeded, flagging, delaying, or terminating processing of the digital image captured of the document;
- implementing, by the server computer, a duplicate document detection by:
- comparing the MICR string to previously received MICR strings;
- when the MICR string does not match any of the previously received MICR strings based on the comparing of the MICR string to the previously received MICR strings, determining duplicate document detection has not occurred;
- and
- when the MICR string does match any of the previously received MICR strings based on the comparing of the MICR string to the previously received MICR strings:
- flagging, delaying, or terminating processing of the digital image captured of the document;
- generating a reporting message based on the determining of the duplicate document detection;
- and
- transmitting the reporting message to an institution server corresponding to the document.
14 more elements
A server computer, comprising:
- a communication interface configured to:
- receive an access request to access the server computer from a mobile device;
- a processor configured to implement an authentication process to:
- obtain a digital certificate assigned to the mobile device;
- validate the mobile device based on the digital certificate;
- and
- remotely control, according to the authentication process, the mobile device to cause an imaging device of the mobile device to capture a digital image when the mobile device is validated based on the digital certificate;
- the communication interface further configured to:
- receive the digital image captured of a document;
- and
- receive metadata related to the document, the metadata including a magnetic ink character recognition (MICR) string and a transit routing number;
- the processor further configured to implement a duplicate document detection to:
- determine, based on a character misread symbol in the metadata related to the document, whether the digital image includes one or more misread characters;
- when the digital image includes one more misread characters, determine whether a number of the one or more misread characters exceed a predetermined misread threshold, and when the predetermined threshold is exceeded, flagging, delaying, or terminating processing of the digital image captured of the document;
- compare the MICR string to previously received MICR strings;
- when the MICR string does not match any of the previously received MICR strings based on the comparing of the MICR string to the previously received MICR strings, determine duplicate document detection has not occurred;
- and
- when the MICR string does match any of the previously received MICR strings based on the comparing of the MICR string to the previously received MICR strings:
- flag, delay, or terminate processing of the digital image captured of the document;
- generating a reporting message based on the determining of the duplicate document detection;
- and
- transmitting the reporting message to an institution server corresponding to the document.
19 more elements
Dependencies are inferred from the claim text.