Systems and methods to use a digital camera to remotely deposit a negotiable instrument

A system for depositing funds of a negotiable instrument, comprising:

• a processor and a memory, the processor configured to access a digital picture of the negotiable instrument captured with a digital camera in communication with the processor and saved in the memory;
• wherein, to warp the digital picture to remove a distortion, the processor is further configured to:
• determine a histogram of the digital picture, wherein the histogram comprises a plurality of values of pixels of the digital picture;
• floor at least one value of the plurality of values of the pixels;
• filter at least a portion of the digital picture;
• determine at least one corner of the digital picture;
• and
• map the pixels of the digital picture into an output image based on the at least one determined corner;
• and
• wherein the processor is further configured to:
• create a digital image file with the output image;
• transmit the digital image file;
• and
• transmit a request to deposit the funds of the negotiable instrument using the digital image file.

A non-transitory computer-readable medium comprising computer-readable instructions executable by a processor and memory for depositing funds of a negotiable instrument, the computer-readable instructions comprising instructions to direct the processor to:

• access a digital picture of the negotiable instrument saved in the memory, the digital picture captured with a digital camera in communication with the processor;
• warp the digital picture to remove a distortion by directing the processor to:
• determine a histogram of the digital picture, wherein the histogram comprises a plurality of values of pixels of the digital picture;
• floor at least one value of the plurality of values of the pixels;
• filter at least a portion of the digital picture;
• determine at least one corner of the digital picture;
• and
• map the pixels of the digital picture into an output image based on the at least one determined corner;
• create a digital image file comprising the output image;
• transmit the digital image file;
• and
• transmit a request to deposit the funds of the negotiable instrument using the digital image file.