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US 12,008,529 B1Granted
System and method for mobile check deposit with restricted endorsement
AssigneeWells Fargo Bank, N.A.
InventorAl Hecht
Life of this patent
Estimating the term…
Abstract
A computer-implemented method includes receiving, from a mobile device, a deposit request including a first check image for funds to be deposited into a user account, determining a risk level associated with the deposit request, requesting a second check image having a restricted endorsement based on the risk level, receiving the second check image having the restricted endorsement, determining a confidence level based on the restricted endorsement, and transferring the funds to the user account based on the confidence level.
Claims20
A method implemented by a mobile device, the method comprising:
- initiating an image sensor of the mobile device to detect imagery via one or more lenses of the image sensor;
- displaying, on a display screen of the mobile device, the imagery detected by the image sensor;
- overlaying, on the displayed imagery, a guide box having a first visual feedback;
- detecting, by the image sensor, a check within the guide box in the imagery;
- responsive to detecting the check within the guide box, (i) changing the first visual feedback to a second visual feedback to indicate that the check is detected, and (ii) capturing a check image using the image sensor of the mobile device;
- applying an optical character recognition (OCR) algorithm to the check image to detect a presence of one or more characters within the check image and positions of the one or more characters in the check image;
- determining a certainty score for each of the one or more characters within the check image;
- assigning a respective tag to each of a subset of the one or more characters that have a certainty score above a first certainty threshold;
- determining, based at least in part on the respective tag of each of the subset of the one or more characters, a confidence level for a restricted endorsement in the check image, the confidence level corresponding to (i) whether the positions of the subset of the one or more characters of the restricted endorsement are within a predetermined area of the check image and (ii) the subset of the one or more characters of the restricted endorsement form a predetermined word or phrase;
- and
- transmitting, responsive to the confidence level satisfying a predetermined threshold, the check image to a check processing computer system, causing the check processing computer system to automatically deposit funds based on the restricted endorsement.
8 more elements
A computer system comprising:
- a mobile device comprising an image sensor configured to detect imagery via one or more lenses of the image sensor, the mobile device comprising a processor configured to:
- display, on a display screen of the mobile device, the imagery detected by the image sensor;
- overlay, on the displayed imagery, a guide box having a first visual feedback;
- detect, by the image sensor, a check within the guide box in the imagery;
- responsive to detecting the check within the guide box, (i) change the first visual feedback to a second visual feedback to indicate that the check is detected, and (ii) capture a check image using the image sensor of the mobile device;
- apply an optical character recognition (OCR) algorithm to the check image to detect a presence of one or more characters within the check image and positions of the one or more characters in the check image;
- determine a certainty score for each of the one or more characters within the check image;
- assign a respective tag to each of a subset of the one or more characters that have a determined certainty score above a first certainty threshold;
- determine, based at least in part on the respective tag of each of the subset of the one or more characters, a confidence level for a restricted endorsement in the check image, the confidence level corresponding to (i) whether the positions of the subset of the one or more characters of the restricted endorsement are within a predetermined area of the check image and (ii) the subset of the one or more characters of the restricted endorsement form a predetermined word or phrase;
- and
- transmitting, responsive to the confidence level satisfying a predetermined threshold, the check image to a check processing computer system, causing the check processing computer system to automatically deposit funds based on the restricted endorsement.
8 more elements
A non-transitory computer-readable storage medium that stores one or more programs configured to be executed by one or more processors of a mobile device, the one or more programs including instructions for:
- initiating an image sensor of the mobile device to detect imagery via one or more lenses of the image sensor;
- displaying, on a display screen of the mobile device, the imagery detected by the image sensor;
- overlaying, on the displayed imagery, a guide box having a first visual feedback;
- detecting, by the image sensor, a check within the guide box in the imagery;
- responsive to detecting the check within the guide box, (i) changing the first visual feedback to a second visual feedback to indicate that the check is detected, and (ii) capturing a check image using the image sensor of the mobile device;
- applying an optical character recognition (OCR) algorithm to the check image to detect a presence of one or more characters within the check image and positions of the one or more characters in the check image;
- determining a certainty score for each of the one or more characters within the check image;
- assigning a respective tag to each of a subset of the one or more characters that have a certainty score above a first certainty threshold;
- determining, based at least in part on the respective tag of each of the subset of the one or more characters, a confidence level for a restricted endorsement in the check image, the confidence level corresponding to (i) whether the positions of the subset of the one or more characters of the restricted endorsement are within a predetermined area of the check image and (ii) the subset of the one or more characters of the restricted endorsement form a predetermined word or phrase;
- and
- transmitting, responsive to the confidence level satisfying a predetermined threshold, the check image to a check processing computer system, causing the check processing computer system to automatically deposit funds based on the restricted endorsement.
8 more elements
Dependencies are inferred from the claim text.