Back to results
US 11,531,973 B1Granted
Systems and methods for mobile deposit of negotiable instruments
AssigneeUnited Services Automobile Association (USAA)
InventorsBharat Prasad, Michael Frank Morris
Life of this patent
Estimating the term…
Abstract
An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.
Claims19
A processor-implemented method of depositing a negotiable instrument, comprising:
- with a processor of a server of a financial institution in communication with a mobile device, the mobile device comprising an imaging device, the processor:
- authenticating a user of the mobile device, the authenticating of the user, comprising:
- receiving, from the mobile device, authentication information of the user of the mobile device for authenticating the user to a server of the financial institution;
- and
- authenticating, through the authentication information, that the user is an authorized consumer of the financial institution;
- instructing an application on the mobile device, after the authenticating of the user, to enable execution of a remote deposit processing component on the mobile device;
- receiving, from the remote deposit processing component, confirmation from the user that the user wishes to proceed with depositing the negotiable instrument;
- receiving, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument generated by the imaging device of the mobile device of the user;
- obtaining financial information pertaining to the negotiable instrument from the image file;
- and
- depositing funds of the negotiable instrument into an account based on the financial information pertaining to the negotiable instrument.
8 more elements
A computer-readable medium comprising:
- computer-readable instructions for depositing a negotiable instrument, said computer-readable instructions comprising instructions that, when executed by a processor of a server of a financial institution, cause the processor to:
- authenticate a user of a mobile device, where to authenticate the user, the processor is configured to:
- receive, from the mobile device, authentication information of the user of the mobile device for authenticating the user to a server of the financial institution;
- and
- authenticate, through the authentication information, that the user is an authorized consumer of the financial institution;
- instruct the application on the mobile device, after the authenticating of the user, to enable execution of a remote deposit processing component on the mobile device;
- receive confirmation from the user that the user wishes to proceed with depositing the negotiable instrument;
- receive, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument generated by an imaging device of the mobile device of the user;
- obtain financial information pertaining to the negotiable instrument from the image file;
- and
- deposit funds of the negotiable instrument identified by the financial information obtained from the negotiable instrument into an account held by the user at the financial institution.
8 more elements
A system for depositing a negotiable instrument, comprising:
- a server of a financial institution, the server comprising:
- a memory storing instructions;
- a processor disposed in communication with said memory, the processor configured to execute the instructions to:
- authenticating a user of a mobile device, the authenticating of the user, comprising:
- receive, from the mobile device, authentication information of the user of the mobile device for authenticating the user to the server of the financial institution;
- and
- authenticate, through the authentication information, that the user is an authorized consumer of the financial institution;
- instruct an application on the mobile device, after the authenticating of the user, to enable execution of a remote deposit processing component on the mobile device;
- receive, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument generated by an imaging device of the mobile device of the user;
- obtain financial information pertaining to the negotiable instrument from the image file;
- and
- deposit funds of the negotiable instrument identified by the financial information obtained from the negotiable instrument into an account held by the user at the financial institution.
9 more elements
A processor-implemented method of depositing a negotiable instrument, comprising:
- with a processor of a mobile device comprising an imaging device, the mobile device in communication with a server of a financial institution, the processor:
- authenticating a user of the mobile device, the authenticating of the user, comprising:
- sending, via an application on the mobile device, authentication information to the financial institution to authenticate that the user of the mobile device is an authorized consumer of the financial institution;
- receiving an instruction from the financial institution to enable execution of a remote deposit processing component on the mobile device;
- generating an image of a negotiable instrument with the imaging device of the mobile device;
- performing a cleaning procedure via the remote deposit processing component on the captured image of the negotiable instrument, the cleaning procedure including deskewing and dewarping the captured image of the negotiable instrument;
- sending the cleaned image of the negotiable instrument to the financial institution via the remote deposit processing component;
- and
- receiving an indication including information related to a status of depositing the negotiable instrument.
6 more elements
Dependencies are inferred from the claim text.