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US 7,873,200 B1Granted
Systems and methods for remote deposit of checks
AssigneeUnited Services Automobile Association (USAA)
InventorsCharles Lee Oakes, III, Randy Ray Morlen, R. Bharat Prasad Nuggehalli, Troy 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.
Claims12
A processor-implemented method for processing a check deposit, comprising:
- receiving a customer identification of an account for a deposit, an identification of an image capture device communicatively coupled to a depositor-owned device, an identification of a browser application instantiated on the depositor-owned device and an identification of a virtual machine framework instantiated on the depositor owned device;
- receiving a first image of a front side of a check, wherein said first image is in a first file format, wherein said first file format is a Joint Photographic Experts Group (JPEG) format and wherein said first image is generated by the image capture device;
- creating by a processor a second image of said front side of a check by converting said first image into a second file format, wherein said second file format is a bi-tonal Tag Image File Format (TIFF) format;
- accumulating Magnetic Ink Character Recognition (MICR) data associated with said check along with MICR data associated with a plurality of other checks, and analyzing said MICR data for duplicate checks;
- and
- generating one or more log files, said one or more log files comprising one or more of said first image and said second image, the received customer identification of an account, the received identification of an image capture device, the received identification of the browser application instantiated on the depositor-owned device and the received identification of the virtual machine framework instantiated on the depositor owned device.
3 more elements
A system for processing a check deposit, comprising:
- a subsystem for receiving a customer identification of an account for a deposit, an identification of an image capture device communicatively coupled to a depositor-owned device, an identification of a browser application instantiated on the depositor-owned device and an identification of a virtual machine framework instantiated on the depositor owned device;
- a subsystem for receiving a first image of a front side of a check, wherein said first image is in a first file format, wherein said first file format is a Joint Photographic Experts Group (JPEG) format and wherein said first image is generated by the image capture device;
- a subsystem for creating a second image of said front side of a check by converting said first image into a second file format, wherein said second file format is a bi-tonal Tag Image File Format (TIFF) format;
- a subsystem for accumulating Magnetic Ink Character Recognition (MICR) data associated with said check along with MICR data associated with a plurality of other checks, and a subsystem for analyzing said MICR data for duplicate checks;
- and
- a subsystem for generating one or more log files, said one or more log files comprising one or more of said first image and said second image, the received customer identification of an account, the received identification of an image capture device, the received identification of the browser application instantiated on the depositor-owned device and the received identification of the virtual machine framework instantiated on the depositor owned device.
3 more elements
A computer readable medium storing computer-executable instructions for processing a check deposit, said computer-executable instructions comprising:
- instructions for receiving a customer identification of an account for a deposit, an identification of an image capture device communicatively coupled to a depositor-owned device, an identification of a browser application instantiated on the depositor-owned device and an identification of a virtual machine framework instantiated on the depositor owned device;
- instructions for receiving a first image of a front side of a check, wherein said first image is in a first file format, wherein said first file format is a Joint Photographic Experts Group (JPEG) format and wherein said first image is generated by the image capture device;
- instructions for creating by a processor a second image of said front side of a check by converting said first image into a second file format, wherein said second file format is a bi-tonal Tag Image File Format (TIFF) format;
- instructions for accumulating Magnetic Ink Character Recognition (MICR) data associated with said check along with MICR data associated with a plurality of other checks, and analyzing said MICR data for duplicate checks;
- and
- instructions for generating one or more log files, said one or more log files comprising one or more of said first image and said second image, the received customer identification of an account, the received identification of an image capture device, the received identification of the browser application instantiated on the depositor-owned device and the received identification of the virtual machine framework instantiated on the depositor owned device.
3 more elements
Dependencies are inferred from the claim text.