# US 12,008,522 B1 · Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments

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- Number: US 12,008,522 B1
- Document ID: US12008522B1
- Status: Granted
- Kind: B1
- Application number: 18/206,407
- Filed: 2023-06-06
- Granted: 2024-06-11
- Earliest claimed: 2009-08-19
- Assignees: United Services Automobile Association (USAA)
- Applicants: United Services Automobile Association (USAA)
- Inventors: Bharat Prasad; Rickey Dale Burks; Minya Liang
- Web page: https://patentgrep.com/patent/US12008522B1

## CPC

- G06Q 20/042: {characterized in that the payment protocol involves at least one cheque}
- G06Q 20/0425: {the cheque being electronic only}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## 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.

## Claims

### Claim 1

A method for implementing digital image processing on a digital image, comprising:
validating, by a server computer according to an authentication process, a computing device based on a digital certificate assigned to the computing device;
remotely controlling, by the server computer according to the authentication process, the computing device to generate a digital image of a document when the computing device is validated based on the digital certificate;
receiving, by the server computer, the digital image of the document;
receiving, by the server computer, metadata related to the document;
determining, by the server computer, based on a character misread symbol in the metadata related to the document, whether 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;
when the number of the one or more misread characters does not exceed the predetermined misread threshold, determining, by the server computer, to proceed with processing of the digital image of the document; and
when the number of the one or more misread characters does exceed the predetermined misread threshold, flagging, delaying, or terminating processing of the digital image of the document by the server computer.

### Claim 2 (depends on 1)

The method of claim 1, wherein determining whether the digital image includes one or more misread characters comprises:
determining whether one or more misread characters are included in a first portion of the digital image corresponding to an account field of the document; and
determining whether one or more misread characters are included in a second portion of the digital image corresponding to a MICR line field of the document.

### Claim 3 (depends on 2)

The method of claim 2, wherein determining whether the one or more misread characters exceed a predetermined misread threshold comprises:
determining whether the one or more misread characters exceed a predetermined account field misread threshold; and
determining whether the one or more misread characters exceed a predetermined MICR line misread threshold.

### Claim 4 (depends on 1)

The method of claim 1, wherein:
the metadata including a magnetic ink character recognition (MICR) string and a transit routing number; and
the method further comprises:
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 of the document.

### Claim 5 (depends on 4)

The method of claim 4, wherein comparing the MICR string to previously received MICR strings comprises:
comparing the MICR string to previously received MICR strings included on previously received digital images sharing the same transit routing number included in the metadata.

### Claim 6 (depends on 1)

The method of claim 1, wherein the character misread symbol is a non-alphanumeric symbol.

### Claim 7 (depends on 1)

The method of claim 1, further comprising:
modifying the digital image to replace non-numeric characters in a MICR line with spaces.

### Claim 8 (depends on 1)

The method of claim 1, further comprising:
generating a document record including information identified from the digital image; and
storing the document record and the digital image in a records database.

### Claim 9

A server computer, comprising:
a processor configured to implement an authentication process to:
obtain a digital certificate assigned to a computing device;
validate the computing device based on the digital certificate;
remotely control, according to the authentication process, the computing device to generate a digital image of a document when the computing device is validated based on the digital certificate;
determine, based on a character misread symbol in the metadata related to the document, whether the digital image includes one or more misread characters;
determine whether a number of the one or more misread characters exceed a predetermined misread threshold;
when the number of the one or more misread characters does not exceed the predetermined misread threshold, determine to proceed with processing of the digital image of the document; and
when the number of the one or more misread characters does exceed the predetermined misread threshold, flag, delay, or terminate processing of the digital image of the document.

### Claim 10 (depends on 9)

The server computer of claim 9, wherein the processor is configured to:
determine whether one or more misread characters are included in a first portion of the digital image corresponding to an account field of the document; and
determine whether one or more misread characters are included in a second portion of the digital image corresponding to a MICR line field of the document.

### Claim 11 (depends on 9)

The server computer of claim 9, wherein the processor is configured to:
determine whether the one or more misread characters exceed a predetermined account field misread threshold; and
determine whether the one or more misread characters exceed a predetermined MICR line misread threshold.

### Claim 12 (depends on 9)

The server computer of claim 9, wherein:
the metadata including a magnetic ink character recognition (MICR) string and a transit routing number; and
the processor is further configured to:
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 of the document.

### Claim 13 (depends on 12)

The server computer of claim 12, wherein the processor is configured to:
compare the MICR string to previously received MICR strings included on previously received digital images sharing the same transit routing number included in the metadata.

### Claim 14 (depends on 12)

The server computer of claim 12, wherein:
the character misread symbol is a non-alphanumeric symbol; and
at least the MICR string in the digital image has been digitally modified according to an optical character recognition (OCR) process.

### Claim 15 (depends on 9)

The server computer of claim 9, wherein the processor is further configured to:
modify the digital image to replace non-numeric characters in a MICR line with spaces.

### Claim 16

A non-transitory computer-readable medium storing processor executable instructions that, when executed by a processor, cause the processor to:
validate, according to an authentication process, a computing device based on a digital certificate assigned to the computing device;
remotely control, according to the authentication process, the computing device to generate a digital image of a document when the computing device is validated based on the digital certificate;
receive the digital image generated of the document;
receive metadata related to the document;
determine, based on a character misread symbol in the metadata related to the document, whether the digital image includes one or more misread characters;
determine whether a number of the one or more misread characters exceed a predetermined misread threshold;
when the number of the one or more misread characters does not exceed the predetermined misread threshold, determine to proceed with processing of the digital image of the document; and
when the number of the one or more misread characters does exceed the predetermined misread threshold, flag, delay, or terminate processing of the digital image of the document.

### Claim 17 (depends on 16)

The non-transitory computer-readable medium of claim 16, wherein:
the metadata includes a magnetic ink character recognition (MICR) string and a transit routing number; and
the processor executable instructions, when executed by the processor, further cause the processor to:
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, 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.