Document remembrance and counterfeit detection

A system, comprising:

• a memory;
• and
• at least one processor coupled to the memory and configured to:
• receive a plurality of check images, each of the plurality of check images comprising an image of a check obtained using a mobile device associated with a user;
• identify, from the plurality of check images, a plurality of checks associated with a common payer;
• determine a date parameter and an amount parameter associated with the common payer;
• determine one or more payer-specific check characteristics associated with the common payer;
• receive an image of a deposit check captured by a camera of the mobile device;
• identify a date associated with the deposit check and an amount of the deposit check;
• obtain, using image analysis, one or more deposit check characteristics associated with the deposit check;
• compare the date to the date parameter, the amount to the amount parameter, and the one or more deposit check characteristics to the one or more payer-specific check characteristics;
• and
• based on the comparisons of the date to the date parameter, the amount to the amount parameter, and the one or more deposit check characteristics to the one or more payer-specific check characteristics, determine a funds availability schedule.

A non-transitory computer-readable device having instructions stored thereon that, when executed by at least one computing device, causes the at least one computing device to perform operations comprising:

• receiving a plurality of check images, each of the plurality of check images comprising an image of a check obtained using a mobile device associated with a user;
• identifying, from the plurality of check images, a plurality of checks associated with a common payer;
• determining a date parameter and an amount parameter associated with the common payer;
• determining one or more payer-specific check characteristics associated with the common payer;
• receiving an image of a deposit check captured by a camera of the mobile device;
• identifying a date associated with the deposit check and an amount of the deposit check;
• obtaining, using image analysis, one or more deposit check characteristics associated with the deposit check;
• comparing the date to the date parameter, the amount to the amount parameter, and the one or more deposit check characteristics to the one or more payer-specific check characteristics;
• and
• based on the comparisons of the date to the date parameter, the amount to the amount parameter, and the one or more deposit check characteristics to the one or more payer-specific check characteristics, determining a funds availability schedule.