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US 12,182,791 B1Granted
Systems and methods for remote deposit of checks
AssigneeUnited Services Automobile Association (USAA)
InventorsCharles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
Life of this patent
Estimating the term…
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.
Claims20
A system comprising:
- a plurality of processors, each having a memory associated therewith, configured to execute instructions to:
- receive, from a customer-controlled device, a customer identification of an account for a deposit;
- determine whether a customer meets at least one predetermined criteria of trustworthiness;
- display a graphical illustration to assist the customer in having a camera of the customer-controlled device capture electronic images of a check;
- receive an image of a front side of the check captured by the camera, wherein the image of the front side of the check is received from the customer-controlled device;
- receive an image of a back side of the check captured by the camera, from the customer-controlled device;
- process the image of the front side of the check to obtain deposit information for the check;
- process the image of the back side of the check to determine whether a mark is present on the image of the back side of the check by determining whether a mark is present at an endorsement location in the image of the back side of the check without further performing a signature identification procedure;
- and
- generate a log file, the log file comprising at least a portion of the deposit information for the check, an identification of the customer-controlled device, and an identification of the camera that was used to capture the images of the check;
- detect a deposit amount form the check;
- and
- deposit the check electronically.
10 more elements
A method for remote deposit of a check comprising:
- In a system having a plurality of processors, each having a memory associated therewith:
- receiving, from a customer-controlled device, a customer identification of an account for a deposit;
- determining whether a customer meets at least one predetermined criteria of trustworthiness;
- displaying a graphical illustration to assist the customer in having a camera of the customer-controlled device capture electronic images of a check;
- receiving an image of a front side of the check captured by the camera, wherein the image of the front side of the check is received from the customer-controlled device;
- receiving an image of a back side of the check captured by the camera, from the customer-controlled device;
- processing the image of the front side of the check to obtain deposit information for the check;
- processing the image of the back side of the check to determine whether a mark is present on the image of the back side of the check by determining whether a mark is present at an endorsement location in the image of the back side of the check without further performing a signature identification procedure;
- generating a log file, the log file comprising at least a portion of the deposit information for the check, an identification of the customer-controlled device, and an identification of the camera that was used to capture the images of the check;
- detecting a deposit amount form the check;
- and
- depositing the check electronically.
9 more elements
A non-transitory computer readable medium having processor executable instructions stored thereon for causing at least one processor of a system to:
- receive, from a customer-controlled device in communication with the system, a customer identification of an account for a deposit;
- determine whether a customer meets at least one predetermined criteria of trustworthiness;
- display a graphical illustration to assist the customer in having a camera of the customer-controlled device capture electronic images of a check;
- receive an image of a front side of the check captured by the camera, wherein the image of the front side of the check is received from the customer-controlled device;
- receive an image of a back side of the check captured by the camera, from the customer-controlled device;
- process the image of the front side of the check to obtain deposit information for the check;
- process the image of the back side of the check to determine whether a mark is present on the image of the back side of the check by determining whether a mark is present at an endorsement location in the image of the back side of the check without further performing a signature identification procedure;
- generate a log file, the log file comprising at least a portion of the deposit information for the check, an identification of the customer-controlled device, and an identification of the camera that was used to capture the images of the check;
- detect a deposit amount form the check;
- and
- deposit the check electronically.
8 more elements
Dependencies are inferred from the claim text.