Secure element authentication for remote deposit of check images received from payors
AssigneeTyfone, Inc.
InventorsSiva G. Narendra, Donald Allen Bloodworth, Dana B. LeMoine, Prabhakar Tadepalli
Life of this patent
Estimating the term…
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.
Claims12
A mobile device comprising:
- a processor;
- a secure element;
- 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 user to select between either taking a picture of a check for remote deposit or receiving a remote deposit capture (RDC) compatible check image;
- in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in the secure element and receiving the RDC compatible check image from the check control server only after authenticating;
- displaying a notification;
- responding to a user's interaction with the notification to display indicia of the RDC compatible check image other than the RDC compatible check image itself;
- and
- forwarding the RDC compatible check image to a financial institution for deposit.
A mobile device implemented method comprising:
- prompting a user to select between either taking a picture of a check for remote deposit or loading a remote deposit capture (RDC) compatible check image for remote deposit;
- in response to the user selecting to load an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in a secure element within the mobile device and receiving the RDC compatible check image from the check control server only after authenticating;
- loading the RDC compatible check image;
- prompting the user to electronically endorse the RDC compatible check image;
- and
- forwarding the RDC compatible check image to a financial institution for deposit.
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:
- prompting a user to select between either taking a picture of a check for remote deposit or receiving an RDC compatible check image from a payor;
- in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in a secure element within the mobile device and receiving the RDC compatible check image from the check control server only after authenticating;
- electronically endorsing the RDC compatible check image;
- and
- forwarding the RDC compatible check image to a financial institution for deposit.
Dependencies are inferred from the claim text.