Secure element authentication for remote deposit capture compatible check image generation
AssigneeTyfone, Inc.
InventorsSiva G. Narendra, Donald Allen Bloodworth, Dana B. LeMoine, Prabhakar Tadepalli
Life of this patent
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Abstract
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
Claims20
A computer-implemented method performed by a mobile device comprising:
- creating a remote deposit capture (RDC) compatible check image by combining a pre-prepared check image with data provided by a payor;
- authenticating the payor to a check control server using authentication credentials stored in a secure element in communication with the mobile device;
- and
- transmitting the RDC compatible check image to the check control server only after authentication.
A non-transitory computer readable storage medium storing one or more programs comprising instructions, which when executed by a mobile device, cause the mobile device to perform:
- capturing a photograph of a blank check;
- performing character recognition to extract static check data from the photograph of the blank check;
- prompting a payor for dynamic check information to fill out a check;
- combining the static check data and dynamic check data to create a remote deposit capture (RDC) compatible check image;
- authenticating the payor to a check control server using authentication credentials stored in a secure element in communication with the mobile device;
- and
- transmitting the RDC compatible check image to the check control server only after authentication.
A mobile device comprising:
- a processor;
- a memory;
- and
- a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including instructions for:
- prompting a payor for check information;
- combining the information provided by the payor with a nonscanned check image to create a remote deposit capture (RDC) compatible check image;
- authenticating the payor to a check control server using a secure element in communication with the mobile device;
- and
- transmitting the RDC compatible check image to the check control server only after authentication.
Dependencies are inferred from the claim text.