Systems and methods for remote deposit of checks

Patent metadata

Field	Value
Publication number	US-12002016-B1
Application number	US-202217574757-A
Country	US
Kind code	B1
Filing date	Jan 13, 2022
Priority date	Oct 31, 2006
Publication date	Jun 4, 2024
Grant date	Jun 4, 2024

Abstract

Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

First claim

What is claimed:

1. A system for facilitating deposit of a check, the system comprising:
a processor; and
a memory in communication with the processor, the memory storing a plurality of processor executable instructions and a list of deposited checks for a depositor;
wherein the plurality of processor executable instructions, when executed by the processor, cause the processor to perform acts of:
displaying, via a remote deposit processing component on a depositor-controlled device, instructions to the depositor to position a front side of the check in front of an image generating device associated with the depositor-controlled device;
displaying, via the remote deposit processing component, an image of the front side of the check to the depositor on the depositor-controlled device; and
displaying, via the remote deposit processing component, instructions to the depositor to select portions of the image of the front side of the check for cropping;
receiving, via the remote deposit processing component, portions of the image for cropping and cropping, via the remote deposit processing component, the image using the received portions;
receiving, via the remote deposit capture processing component, the cropped image from the depositor-controlled device;
generating optical character recognition (OCR) data for the check by performing OCR on the image of the front side of the check;
comparing the generated OCR data to the list of deposited checks for the depositor and determining, based on the comparison, that the check was not previously deposited; and
initiating deposit of the check into an account of the depositor wherein initiating comprises forwarding the image to a bank of the depositor.

2. The system of claim 1 , wherein the memory stores processor executable instructions that when executed by the processor causes the processor to authenticate an identity of the depositor that is operating the depositor-controlled device.

3. The system of claim 1 , wherein the memory stores processor executable instructions that when executed by the processor causes the processor to receive, from the depositor-controlled device via the remote deposit processing component, an image of a back side of the check.

4. The system of claim 3 , wherein the memory stores processor executable instructions that when executed by the processor causes the processor to determine whether a signature appears on the back side of the check.

5. The system of claim 1 , wherein the memory stores processor executable instructions that when executed by the processor causes the processor to, prior to performing optical character recognition (OCR) on the image of the front side of the check, analyze the image to determine whether the image meets an image criterion.

6. The system of claim 5 , wherein the memory stores processor executable instructions that when executed by the processor causes the processor to: when the image criterion comprises a presence of a magnetic ink character recognition (MICR) line in the image, determine that the image includes the MICR line and perform the OCR on the image in response to determining that the image includes the MICR line.

7. The system of claim 5 , wherein the image criterion comprises a predetermined image format and the plurality of processor executable instructions are configured to cause the processor to execute the step of performing OCR on the image in response to determining that the image is in the predetermined image format.

8. The system of claim 1 , wherein the memory stores processor executable instructions that when executed by the processor causes the processor to perform acts of:
receiving, via the remote deposit processing component, an amount of the check from the depositor-controlled device;
identifying from the OCR data generated for the check an OCR determined amount of the check;
determining whether the depositor-entered amount matches the OCR determined amount; and
aborting deposit of the check in response to determining that the depositor-entered amount does not match the OCR determined amount.

9. A method for remotely depositing a check using an image of a check using a server having a processor in communication with a memory, the method comprising:
displaying, via a remote deposit processing component on a depositor-controlled device, instructions to a depositor to position a front side of the check in front of an image generating device associated with the depositor-controlled device;
displaying, via the remote deposit processing component, an image of the front side of the check to the depositor on the depositor-controlled device;
receiving, via the remote deposit processing component, portions of the image for cropping and cropping, via the remote deposit processing component, the image using the received portions;
receiving, via the remote deposit processing component, the cropped image transmitted from the depositor-controlled device;
generating optical character recognition (OCR) data for the check by performing OCR on the image of the front side of the check;
comparing the generated OCR data to a list of deposited checks for the depositor and determining, based on the comparison, that the check was not previously deposited; and
initiating deposit of the check into an account of the depositor, wherein initiating comprises forwarding the image to a bank of the depositor.

10. The method of claim 9 , further comprising authenticating, by the server, an identity of the depositor that is operating the depositor-controlled device.

11. The method of claim 10 , further comprising receiving, by the server and via the transmitted remote deposit processing component, the depositor-controlled device an image of a back side of the check.

12. The method of claim 11 , further comprising determining, by the server, whether a signature appears on the back side of the check.

13. The method of claim 9 , further comprising, prior to performing optical character recognition (OCR) on the image of the front side of the check, analyzing, by the server, the image and determining that the image meets an image criterion.

14. The method of claim 13 , wherein the image criterion comprises a presence of a magnetic ink character recognition (MICR) line in the image, the method further comprises: determining that the image includes the MICR line and performing the OCR on the image in response to determining that the image includes the MICR line.

15. The method of claim 13 , wherein the image criterion comprises an image format and the method further comprises: performing the OCR on the image in response to determining that the image is in the image format.

Assignees

• Usaa

Inventors

• Oakes Iii Charles Lee
• Morlen Randy Ray
• Morris Michael Frank
• Medina Iii Reynaldo
• Harpel Greg Alan
• Gavia Gabriel Glenn
• Prasad Bharat
• Major Frank Kyle
• Pollack Jeffrey Neal

Classifications

• G06V10/20

  Image preprocessing · CPC title

• G06Q20/042 Primary

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

• G06Q20/108

  Remote banking, e.g. home banking · CPC title

• G06V30/40

  Document-oriented image-based pattern recognition · CPC title

• G06Q40/00 Primary

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title