Systems and methods for remote deposit of checks
AssigneeUnited Services Automobile Association (USAA)
InventorsCharles 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
Life of this patent
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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.
Claims15
A system for facilitating deposit of a check, the system comprising:
- a processor;
- and
- a memory in communication with the processor, the memory storing a plurality of processor executable instructions and a list of deposited checks for a depositor;
- wherein the plurality of processor executable instructions, when executed by the processor, cause the processor to perform acts of:
- displaying, via a remote deposit processing component on a depositor-controlled device, instructions to the depositor to position a front side of the check in front of an image generating device associated with the depositor-controlled device;
- displaying, via the remote deposit processing component, an image of the front side of the check to the depositor on the depositor-controlled device;
- and
- displaying, via the remote deposit processing component, instructions to the depositor to select portions of the image of the front side of the check for cropping;
- receiving, via the remote deposit processing component, portions of the image for cropping and cropping, via the remote deposit processing component, the image using the received portions;
- receiving, via the remote deposit capture processing component, the cropped image from the depositor-controlled device;
- generating optical character recognition (OCR) data for the check by performing OCR on the image of the front side of the check;
- comparing the generated OCR data to the list of deposited checks for the depositor and determining, based on the comparison, that the check was not previously deposited;
- and
- initiating deposit of the check into an account of the depositor wherein initiating comprises forwarding the image to a bank of the depositor.
A method for remotely depositing a check using an image of a check using a server having a processor in communication with a memory, the method comprising:
- displaying, via a remote deposit processing component on a depositor-controlled device, instructions to a depositor to position a front side of the check in front of an image generating device associated with the depositor-controlled device;
- displaying, via the remote deposit processing component, an image of the front side of the check to the depositor on the depositor-controlled device;
- receiving, via the remote deposit processing component, portions of the image for cropping and cropping, via the remote deposit processing component, the image using the received portions;
- receiving, via the remote deposit processing component, the cropped image transmitted from the depositor-controlled device;
- generating optical character recognition (OCR) data for the check by performing OCR on the image of the front side of the check;
- comparing the generated OCR data to a list of deposited checks for the depositor and determining, based on the comparison, that the check was not previously deposited;
- and
- initiating deposit of the check into an account of the depositor, wherein initiating comprises forwarding the image to a bank of the depositor.
Dependencies are inferred from the claim text.