# US 12,182,791 B1 · Systems and methods for remote deposit of checks

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- Number: US 12,182,791 B1
- Document ID: US12182791B1
- Status: Granted
- Kind: B1
- Application number: 17/871,060
- Filed: 2022-07-22
- Granted: 2024-12-31
- Earliest claimed: 2006-10-31
- Assignees: United Services Automobile Association (USAA)
- Applicants: United Services Automobile Association (USAA)
- Inventors: Charles Lee Oakes, III; Randy Ray Morlen; Bharat Prasad; Troy Bartlette Huth
- Web page: https://patentgrep.com/patent/US12182791B1

## 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 20/108: {Remote banking, e.g. home banking}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/325: {using wireless networks}
- G06Q 20/4014: {Identity check for transactions}
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06V 30/2253: {Recognition of characters printed with magnetic ink (G06V30/2247 takes precedence)}
- G06V 40/33: {based only on signature image, e.g. static signature recognition}
- G06V 30/10: Character recognition
- 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
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING

## 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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The system of claim 1, wherein the customer-controlled device comprises a portable device.

### Claim 3 (depends on 2)

The system of claim 2, wherein the portable device comprises a laptop computing device.

### Claim 4 (depends on 1)

The system of claim 1, wherein the instructions to deposit the check electronically further comprise instructions to transmit the images of the check over a wireless network.

### Claim 5 (depends on 4)

The system of claim 4, wherein the wireless network comprises a cellular network.

### Claim 6 (depends on 1)

The system of claim 1, wherein the deposit information comprises information contained in a magnetic ink character recognition (MICR) line of the check.

### Claim 7 (depends on 1)

The system of claim 1, wherein the instructions to process the image of the front side of the check to obtain deposit information comprises instructions to perform optical character recognition (OCR) on the image of the front side of the check.

### Claim 8

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.

### Claim 9 (depends on 8)

The method of claim 8, further comprising displaying instructions for assisting the customer to capture the image using an image capturing device by placing a digital camera at a proper distance away from the check.

### Claim 10 (depends on 8)

The method of claim 8, wherein processing the image of the front side of the check comprises performing optical character recognition (OCR) on the image of the front side of the check.

### Claim 11 (depends on 8)

The method of claim 8, wherein the deposit information comprises information contained in a magnetic ink character recognition (MICR) line of the check.

### Claim 12 (depends on 8)

The method of claim 8, further comprising the system instructing the customer to endorse the check.

### Claim 13 (depends on 12)

The method of claim 12, further comprising the system instructing the customer to adjust an orientation of the check.

### Claim 14 (depends on 8)

The method of claim 8, wherein the identification of the camera comprises a make and model of the camera.

### Claim 15 (depends on 8)

The method of claim 8, wherein the identification of the camera comprises a Global Unique Identifier (GUID).

### Claim 16 (depends on 8)

The method of claim 8, wherein the identification of the camera comprises an identification of software associated with the camera.

### Claim 17

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.

### Claim 18 (depends on 17)

The non-transitory computer readable medium of claim 17, wherein the instructions to deposit the check electronically further comprise instructions to transmit the images of the check over a wireless network.

### Claim 19 (depends on 17)

The non-transitory computer readable medium of claim 17, wherein the instructions for processing the image of the front side of the check comprise instructions for performing optical character recognition (OCR) on the image of the front side of the check.

### Claim 20 (depends on 19)

The non-transitory computer readable medium of claim 19, wherein the deposit information comprises an amount of the check and wherein the instructions further comprise instructions for performing duplicate check detection for the check based on information obtained via the OCR applied to the image of the front side of the check.