Mobile services remote deposit capture

Patent metadata

Field	Value
Publication number	US-12321909-B2
Application number	US-202217954181-A
Country	US
Kind code	B2
Filing date	Sep 27, 2022
Priority date	Jan 27, 2012
Publication date	Jun 3, 2025
Grant date	Jun 3, 2025

Abstract

Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.

First claim

What is claimed is:

1. A method of performing a remote deposit transaction using a mobile device, the method comprising:
communicating, by a transaction processing server, with the mobile device of a user over a network;
providing, by the transaction processing server to the mobile device, a plurality of transaction types and a plurality of financial institutions associated with the user to be displayed on a graphical user interface on the mobile device;
receiving, at the transaction processing server from the graphical user interface on the mobile device, a remote deposit transaction request message, wherein the remote deposit transaction request message includes a remote deposit as a selected transaction type among the plurality of transaction types and a selected financial institution among the plurality of financial institutions;
providing, by the transaction processing server, a list of a plurality of user accounts that are associated with the selected financial institution to the graphical user interface on the mobile device;
receiving, by the transaction processing server from the graphical user interface on the mobile device, a user account identifier identifying a selected user account among the plurality of user accounts to be used in processing the remote deposit transaction request message, wherein an application executing on the mobile device:
captures an image of a check;
verifies that an image quality of the image conforms to a predefined image quality standard for processing the remote deposit;
generates an image capture element from the captured image based on verifying the image quality, wherein the image capture element includes a verification status of the captured image; and
communicates the captured image and the image capture element in a transaction request message to the transaction processing server;

receiving, by the transaction processing server, the captured image, the image capture element, and check data retrieved from the check;
processing, by the transaction processing server, the remote deposit transaction request message using the selected user account, processing comprising:
reformatting the remote deposit transaction request message received in a first message format into an authorization request message that is in a second message format, wherein the authorization request message in the second message format includes the check data, the user account identifier for the selected user account, and a unique processing code that denotes remote deposit; and
transmitting the authorization request message that is in the second message format to a computer of the selected financial institution for real-time authorization of remote deposit; and

receiving, by the transaction processing server, an authorization response message from the computer of the selected financial institution indicating that the remote deposit transaction has been approved or declined in real-time.

2. The method of claim 1 , further comprising:
determining, by the transaction processing server, that the selected user account is capable of being used in processing the remote deposit transaction request message;
transmitting, by the transaction processing server to the mobile device, a prompt to capture the image of the check based on determining that the selected user account is capable of being used in processing the remote deposit transaction request message; and
receiving, by the transaction processing server from an image processing service computer, the check data retrieved from the check.

3. The method of claim 1 , further comprising:
transmitting, by the transaction processing server to the mobile device, a prompt to capture the image of the check; and
receiving, by the transaction processing server, the image of the check including the check data.

4. The method of claim 3 , wherein the image of the check conforms to Check 21 quality standard.

5. The method of claim 3 , further comprising:
performing a set of security inspections on the image of the check to verify a validity of the check.

6. The method of claim 1 , wherein the real-time authorization of remote deposit of the check applies a transaction amount indicated by the check to the selected user account in real-time.

7. The method of claim 1 , further comprising aggregating multiple checks for processing as a single transaction.

8. The method of claim 1 , wherein the plurality of financial institutions include one or more banks, and the selected financial institution is a bank that issued the plurality of user accounts.

9. The method of claim 1 , wherein the selected user account is a sub-account linked to a first account associated with the selected financial institution, wherein the sub-account is identified based on the user account identifier.

Assignees

• Visa Int Service Ass

Inventors

• Jurss Penny Diane

Classifications

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/108 Primary

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