Systems and methods for mobile automated clearing house enrollment

Patent metadata

Field	Value
Publication number	US-11599861-B2
Application number	US-202217751346-A
Country	US
Kind code	B2
Filing date	May 23, 2022
Priority date	Jan 18, 2008
Publication date	Mar 7, 2023
Grant date	Mar 7, 2023

Abstract

Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.

First claim

What is claimed is:

1. A method comprising using at least one hardware processor to:
receive at least one image of a document captured by a mobile device of a user;
execute one or more image quality assurance tests on the at least one image to assess the quality of the at least one image;
determine that the quality of the at least one image satisfies a threshold;
determine an identity of at least one first entity;
extract automated clearing house (ACH) enrollment data for a second entity from the at least one image;
receive authorization from the user; and
use the ACH enrollment data to enroll the second entity in an ACH process with the at least one first entity, wherein the enrollment in the ACH process authorizes one or more future ACH transactions between the at least one first entity and the second entity based on the received authorization.

2. The method of claim 1 , wherein the document comprises a remittance coupon.

3. The method of claim 1 , wherein the document comprises a check.

4. The method of claim 1 , wherein the document comprises a blank or voided check.

5. The method of claim 1 , wherein the at least one image comprises a first image of a remittance coupon and a second image of a check.

6. The method of claim 1 , wherein the document comprises a drivers license.

7. The method of claim 1 , wherein the ACH enrollment data comprise a bank routing number and a bank account number.

8. The method of claim 1 , wherein determining the identity of the at least one first entity comprises receiving the identity of the at least one first entity via a graphical user interface.

9. The method of claim 1 , wherein determining the identity of the at least one first entity comprises extracting the identity of the at least one first entity from the at least one image.

10. The method of claim 1 , further comprising using the at least one hardware processor to, prior to using the ACH enrollment data to enroll the second entity in the ACH process with the at least one first entity, generate a graphical user interface with one or more inputs that are prepopulated with the ACH enrollment data.

11. The method of claim 10 , further comprising using the at least one hardware processor to, prior to using the ACH enrollment data to enroll the second entity in the ACH process with the at least one first entity and after generating the graphical user interface, receive a modification of the ACH enrollment data via the one or more inputs of the graphical user interface.

12. The method of claim 1 , wherein receiving the at least one image of the document comprises:
displaying a real-time image of a field of view of a camera of the mobile device in a graphical user interface;
displaying an alignment rectangle over the real-time image of the field of view; and
automatically activating the camera to capture the at least one image of the document when the document is aligned with the alignment rectangle.

13. The method of claim 12 , further comprising using the at least one hardware processor to set a color of the alignment rectangle according to a status of alignment between the alignment rectangle and the document in the real-time image of the field of view.

14. The method of claim 12 , further comprising using the at least one hardware processor to, after capturing the at least one image of the document, display the at least one image of the document in the graphical user interface with a first input for accepting the at least one image of the document and a second input for retaking the at least one image of the document.

15. The method of claim 1 , wherein extracting the ACH enrollment data comprises:
performing optical character recognition (OCR) on the at least one image to produce text content; and
searching for one or more keywords or regular expressions in the text content.

16. The method of claim 1 , wherein extracting the ACH enrollment data comprises:
identifying a template that corresponds to the document; and
extracting the ACH enrollment data according to the template.

17. The method of claim 1 , wherein the one or more image quality assurance tests comprise an image focus test that scores an amount of focus in the at least one image.

18. The method of claim 1 , further comprising using the at least one hardware processor to correct the at least one image before executing the one or more image quality assurance tests on the at least one image.

19. A system comprising:
at least one hardware processor; and
software configured to, when executed by the at least one hardware processor,
receive at least one image of a document captured by a mobile device of a user,
execute one or more image quality assurance tests on the at least one image to assess the quality of the at least one image,
determine that the quality of the at least one image satisfies a threshold,
determine an identity of at least one first entity,
extract automated clearing house (ACH) enrollment data for a second entity from the at least one image,
receive authorization from the user, and
use the ACH enrollment data to enroll the second entity in an ACH process with the at least one first entity, wherein the enrollment in the ACH process authorizes one or more future ACH transactions between the at least one first entity and the second entity based on the received authorization.

20. A non-transitory computer-readable medium having instructions stored thereon, wherein the instructions, when executed by a processor, cause the processor to:
receive at least one image of a document captured by a mobile device of a user;
execute one or more image quality assurance tests on the at least one image to assess the quality of the at least one image;
determine that the quality of the at least one image satisfies a threshold;
determine an identity of at least one first entity;
extract automated clearing house (ACH) enrollment data for a second entity from the at least one image;
receive authorization from the user; and
use the ACH enrollment data to enroll the second entity in an ACH process with the at least one first entity, wherein the enrollment in the ACH process authorizes one or more future ACH transactions between the at least one first entity and the second entity based on the received authorization.

Assignees

• Mitek Systems Inc

Inventors

• Roach John J
• Nepomniachtchi Grisha

Classifications

• H04N2201/001

  Sharing resources, e.g. processing power or memory, with a connected apparatus or enhancing the capability of the still picture apparatus · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06V30/162

  Quantising the image signal · CPC title

• G06Q20/042

  characterized in that the payment protocol involves at least one cheque · CPC title

• H04N2201/0084

  Digital still camera · CPC title