Back to results
US 9,129,340 B1Granted
Apparatuses, methods and systems for remote deposit capture with enhanced image detection
AssigneeUnited Services Automobile Association (USAA)
InventorsReynaldo Medina, III, Bharat Prasad
Life of this patent
Estimating the term…
Abstract
The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.
Claims22
A financial instrument image enhancement method for remote deposit implemented in a financial service computer system having a processor and a memory in communication with the processor, the method comprising:
- receiving a request at the processor to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the financial service computer system and in communication with an image capture device;
- the processor establishing a secure communications channel to the portable device using depositor identifying information;
- the processor transmitting a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device;
- the processor receiving an image of the financial instrument from the portable device via the secure communications channel;
- the processor extracting a rectangular financial instrument image from the image of the financial instrument by determining a plurality of corners of the financial instrument in the received image, wherein determining the plurality of corners of the financial instrument in the received image comprises:
- dividing the image of the financial instrument image into sub-images;
- determining anomaly scores for a plurality of the sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image;
- and
- determining the plurality of corners based on the anomaly scores;
- the processor extracting deposit information from the rectangular financial instrument image;
- and
- the processor depositing funds as indicated by the financial instrument based on the extracted deposit information.
9 more elements
A financial instrument image enhancement non-transitory processor-readable medium for remote deposit, storing a plurality of processing instructions, comprising issuable instructions by a processor to:
- receive a request to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the processor and in communication with an image capture device;
- establish a secure communications channel to the portable device;
- transmit a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device;
- receive an image of the financial instrument from the portable device via the secure communications channel;
- extract a rectangular financial instrument image from the image of the financial instrument by determining a plurality of corners of the financial instrument in the received image, wherein determining the plurality of corners of the financial instrument in the received image comprises:
- dividing the image of the financial instrument image into sub-images;
- determining anomaly scores for a plurality of the sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image;
- and
- determining the plurality of corners based on the anomaly scores;
- extract deposit information from the rectangular financial instrument image;
- and
- deposit funds as indicated by the financial instrument based on the extracted deposit information.
9 more elements
A financial instrument image enhancement system for remote deposit, comprising:
- means for receiving a request to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the financial instrument image enhancement system and in communication with an image capture device;
- means for establishing a secure communications channel to the portable device using depositor identifying information;
- means for transmitting a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device;
- means for receiving an image of the financial instrument from a portable device via the secure communications channel;
- means for extracting a rectangular financial instrument image from the image of the financial instrument by determining a plurality of corners of the financial instrument in the received image, wherein determining the plurality of corners of the financial instrument in the received image comprises:
- dividing the image of the financial instrument image into sub-images;
- determining anomaly scores for a plurality of the sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image;
- determining the plurality of corners based on the anomaly scores;
- wherein, in response to determining that the anomaly score for a respective sub-image is greater than a predetermined score, the processor is configured to detect a corner in the respective sub-image;
- and
- wherein, in response to determining that the anomaly score for a respective sub-image is less than the predetermined score, the processor is configured to determine a corner in the respective sub-image based on symmetric projection of a detected corner of the respective sub-image;
- means for extracting deposit information from the rectangular financial instrument image;
- and
- means for depositing funds as indicated by the financial instrument based on the extracted deposit information.
11 more elements
A financial instrument image enhancement apparatus for remote deposit, comprising:
- a memory;
- a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
- receive a request at the processor to deposit a financial instrument from a portable device associated with a depositor, the portable device remotely located from the financial instrument image enhancement apparatus and in communication with an image capture device;
- establish a secure communications channel to the portable device using depositor identifying information;
- transmit a remote deposit component to the portable device via the secure communications channel, where the remote deposit component is used by the portable device to control the image capture device;
- receive an image of the financial instrument from a portable device via the secure communications channel;
- extract a rectangular financial instrument image by determining a plurality of corners of the financial instrument in the received image wherein determining the plurality of corners of the financial instrument in the received image comprises:
- dividing the image of the financial instrument image into sub-images;
- determining an anomaly scores for a plurality of the each sub-images, a respective anomaly score being indicative of an anomaly in a respective sub-image;
- and
- determining the plurality of corners based on the anomaly scores;
- extract deposit information from the rectangular financial instrument image;
- and
- deposit funds as indicated by the financial instrument based on the extracted deposit information.
11 more elements
Dependencies are inferred from the claim text.