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US 8,708,227 B1Granted
Systems and methods for remote deposit of checks
AssigneeUnited Services Automobile Association (USAA)
InventorsCharles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, R. Bharat Prasad Nuggehalli, Frank Kyle Major, Jeffrey Neal Pollack
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 system for facilitating deposit of a check, said system comprising:
- a memory storing a plurality of processor executable instructions;
- and
- a processor in communication with said memory, said processor configured to execute the plurality of processing instructions to:
- provide a remote deposit processing component to a depositor owned device communicatively coupled to a general purpose image capture device;
- receive from the remote deposit processing component on the depositor owned device an identification of an account for deposit of a check, and an amount of said check;
- provide instructions to the remote deposit processing component, said instructions instructing a depositor to:
- position said check with respect to said image capture device to produce an initial image including an image of a front side of said check;
- identify selected points of said initial image to enable cropping of said initial image beyond a boundary of the front side of said check;
- and
- approve a cropped portion of said initial image, the cropped portion including said image of the front side of said check;
- and
- receive from said depositor owned device said image of the front side of said check;
- analyze said image of the front side of said check to determine whether said image of the front side of said check meets at least one criterion;
- perform Optical Character Recognition (OCR) on said image of the front side of said check;
- determine whether there is an error in said deposit of said check, by validating a routing number associated with said check, determining whether said check was previously deposited, and comparing said amount of said check to an amount determined by performing OCR on said image;
- and
- initiate said deposit of said check into said account.
14 more elements
A processor-implemented method for facilitating deposit of a check, said method comprising a processor:
- providing a remote deposit processing component to a depositor owned device communicatively coupled to a general purpose image capture device:
- receiving from the remote deposit processing component on the depositor owned device an identification of an account for deposit of a check, and an amount of said check;
- providing instructions to the remote deposit processing component, said instructions instructing a depositor to:
- position said check with respect to said image capture device to produce an initial image including an image of a front side of said check;
- identify selected points of said initial image to enable cropping of said initial image beyond a boundary of the front side of said check;
- and
- approve a cropped portion of said initial image, the cropped portion including said image of the front side of said check;
- and
- receiving from said depositor owned device said image of the front side of said check;
- performing Optical Character Recognition (OCR) on said image of the front side of said check;
- analyzing said image of the front side of said check to determine whether said image of the front side of said check meets at least one criterion;
- determining whether there is an error in said deposit of said check, said determining comprising validating a routing number associated with said check, determining whether said check was previously deposited, and comparing said amount of said check to an amount determined by performing OCR on said image;
- and
- initiating said deposit of said check into said account.
11 more elements
A non-transitory computer-readable storage medium comprising computer-executable instructions, that when executed by a processor, causes the processor to:
- provide a remote deposit processing component to a depositor owned device communicatively coupled to a general purpose image capture device:
- receive from the remote deposit processing component on the depositor owned device an identification of an account for deposit of a check, and an amount of said check;
- provide instructions to the remote deposit processing component, said instructions instructing a depositor to:
- position said check with respect to said image capture device to produce an initial image including an image of a front side of said check;
- identify selected points of said initial image to enable cropping of said initial image beyond a boundary of the front side of said check;
- and
- approve a cropped portion of said initial image, the cropped portion including said image of the front side of said check;
- and
- receive from said depositor owned device said image of the front side of said check;
- perform Optical Character Recognition (OCR) on said image of the front side of said check;
- analyze said image of the front side of said check to determine whether said image of the front side of said check meets at least one criterion;
- determine whether there is an error in said deposit of said check, by validating a routing number associated with said check, determining whether said check was previously deposited, and comparing said amount of said check to an amount determined by performance of the OCR on said image;
- and
- initiate said deposit of said check into said account.
11 more elements
Dependencies are inferred from the claim text.