Apparatuses, methods, and systems for remote deposit capture with enhanced image detection
AssigneeUnited Services Automobile Association (USAA)
InventorsReynaldo Medina, Bharat Prasad
Life of this patent
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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.
Claims20
A system comprising:
- a memory;
- an image capture device;
- and
- a processor in communication with the memory and the image capture device, the processor configured to:
- capture an image of a financial instrument associated with a depositor using the image capture device;
- extract a rectangular financial instrument image from the captured image by determining a plurality of corners of the financial instrument in the captured image, wherein in determining the plurality of corners of the financial instrument in the captured image, the processor is further configured to:
- divide the captured image into sub-images;
- determine anomaly scores for each of the sub-images, the anomaly scores being indicative of an anomaly in a respective sub-image;
- and
- determine a corner for each sub-image having an anomaly score below a predetermined anomaly threshold;
- and
- transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor.
A method comprising:
- capturing an image of a financial instrument associated with a depositor using an image capture device;
- extracting a rectangular financial instrument image from the captured image by determining a plurality of corners of the financial instrument in the captured image, wherein determining the plurality of corners of the financial instrument in the captured image further comprises:
- dividing the captured image into sub-images;
- determining anomaly scores for each of the sub-images, the anomaly scores being indicative of an anomaly in a respective sub-image;
- and
- determining a corner for each sub-image having an anomaly score below a predetermined anomaly threshold;
- and
- transmitting the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor.
A non-transitory computer-readable medium comprising computer executable instructions that when executed cause a processor to:
- capture an image of a financial instrument associated with a depositor using the image capture device;
- extract a rectangular financial instrument image from the captured image by determining a plurality of corners of the financial instrument in the captured image, wherein to determine the plurality of corners of the financial instrument in the captured image, the instructions further comprise instructions to cause the processor to:
- divide the captured image into sub-images;
- determine anomaly scores for each of the sub-images, the anomaly scores being indicative of an anomaly in a respective sub-image;
- and
- determine a corner for each sub-image having an anomaly score below a predetermined anomaly threshold;
- and
- transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor.
Dependencies are inferred from the claim text.