System and method for mobile check deposit with restricted endorsement

A mobile device, comprising:

• one or more processors coupled to a non-transitory memory, the one or more processors configured to:
• display, on a display screen of the mobile device, an image captured using an image sensor;
• overlay a guide on the image on the display screen;
• determine that the image depicts a check at least partly within the guide;
• responsive to determining that the image depicts the check within the guide, extract one or more characters corresponding to the check depicted in the image;
• determine a confidence level for a restricted endorsement in the image, the confidence level based on (i) the one or more characters of the restricted endorsement being within a predetermined area of the image and (ii) the one or more characters of the restricted endorsement forming a predetermined word or phrase;
• and
• transmit, responsive to the confidence level satisfying a predetermined threshold, the image to a check processing computer system.

A non-transitory computer-readable memory storing instructions that, when executed by one or more processors of a mobile device, cause the one or more processors to perform operations comprising:

• displaying, on a display screen of the mobile device, an image captured using an image sensor;
• overlaying a guide on the image on the display screen;
• determining that the image depicts a check within the guide;
• responsive to determining that the image depicts the check within the guide, extracting one or more characters corresponding to the check depicted in the image;
• determining a confidence level for a restricted endorsement in the image, the confidence level based on (i) the one or more characters of the restricted endorsement being within a predetermined area of the image and (ii) the one or more characters of the restricted endorsement forming a predetermined word or phrase;
• and
• transmitting, responsive to the confidence level satisfying a predetermined threshold, the image to a check processing computer system.