Systems and methods for real-time validation of check image quality
AssigneeUnited Services Auto Association (USAA)
InventorsGreg Alan Harpel, R. Bharat Prasad Nuggehalli, Michael Frank Morris
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Abstract
Systems and methods for real-time validation of check image quality and readability of MICR line data are provided. A check image received by a financial institution can be assessed during a customer on-line session, so that the customer is informed in real-time whether the image is acceptable. Received check images are used to produce images in another format, which are then analyzed for specified requirements.
Claims30
A processor-implemented method for validating that a digital image of a physical check can be used in a deposit transaction before approval of the deposit transaction, comprising:
- receiving via a processor, a digital image of a physical check from a financial institution server;
- and
- in response to said receiving, the processor, during a first time interval:
- initiating an image validation process to ensure determine whether said digital image of the physical check meets an image requirement;
- sending an approval to said financial institution server when said digital image of the physical check meets said image requirement;
- and
- repairing said digital image of said physical check by resolving an error with respect to said digital image when said digital image does not meet said image requirement;
- wherein said first time interval is contained within a second time interval, said second time interval corresponding to an online customer session comprising communications between said financial institution server and a customer computer.
A system for validating that a digital image of a check can be used in a deposit transaction before approval of the deposit transaction, comprising:
- a memory;
- and
- a processor disposed in communication with said memory, and configured to execute a plurality of processing instructions stored in the memory, wherein the processor executes instructions to, during a first time interval:
- receive and store in the memory a digital image of a physical check from a financial institution server;
- initiate, in response to said receiving, an image validation process to determine whether said digital image of the physical check meets an image requirement;
- determine whether a repair of the digital image of said physical check causes the digital image to meet the image requirement;
- send an approval to said financial institution server when the repair causes said digital image of the physical check to meet said image requirement;
- wherein said first time interval is contained within a second time interval, said second time interval corresponding to an online customer session comprising communications between said financial institution server and a customer computer.
A computer readable non-transitory medium having stored instructions for validating that a digital image of a check can be used in a deposit transaction before approval of the deposit transaction, the stored instructions executable by a computing device including a processor and memory, comprising:
- (i) instructions for receiving a digital image of a physical check from a financial institution server;
- (ii) instructions for initiating an image validation process to determine whether said digital image of the physical check meets an image requirement;
- (iii) instructions for sending an approval to said financial institution server when said digital image of the physical check meets said image requirement;
- (iv) instructions for repairing said digital image of said physical check by resolving an error with respect to said digital image when said digital image does not meet said image requirement;
- and
- (v) instructions for executing (i) through (iv) during a first time interval, wherein said first time interval is contained within a second time interval, said second time interval corresponding to an online customer session comprising communications between said financial institution server and a customer computer.
Dependencies are inferred from the claim text.