Secure element authentication for remote deposit capture compatible check image generation

Patent metadata

Field	Value
Publication number	US-9959532-B2
Application number	US-201514979974-A
Country	US
Kind code	B2
Filing date	Dec 28, 2015
Priority date	Mar 13, 2013
Publication date	May 1, 2018
Grant date	May 1, 2018

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.

First claim

What is claimed is:

1. 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.

2. The computer-implemented method of claim 1 wherein the data provided by the payor includes a bank routing number and a bank account number.

3. The computer-implemented method of claim 1 wherein data provided by the payor does not include a bank routing number and a bank account number.

4. The computer-implemented method of claim 1 wherein the data provided by the payor is character recognized from a scanned image.

5. The computer-implemented method of claim 1 wherein the data provided by the payor is entered using keystrokes.

6. The computer-implemented method of claim 1 further comprising encrypting the RDC compatible check image prior to transmitting.

7. The computer-implemented method of claim 1 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element inside the mobile device.

8. The computer-implemented method of claim 1 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element in communication with the mobile device using a radio.

9. The computer-implemented method of claim 1 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element in communication with the mobile device over a USB port.

10. 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.

11. The non-transitory computer readable storage medium of claim 10 further comprising encrypting the RDC compatible check image prior to transmitting.

12. The non-transitory computer readable storage medium of claim 10 wherein the static check data comprises a bank routing number.

13. The non-transitory computer readable storage medium of claim 10 wherein the dynamic check information includes payee information.

14. The non-transitory computer readable storage medium of claim 10 further comprising transmitting metadata representing personalized greeting information specified by the payor.

15. The non-transitory computer readable storage medium of claim 10 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element inside the mobile device.

16. The non-transitory computer readable storage medium of claim 10 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element in communication with the mobile device using a radio.

17. The non-transitory computer readable storage medium of claim 10 wherein authenticating the payor to a check control server using a secure element in communication with the mobile device comprises using a secure element in communication with the mobile device over a USB port.

18. 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.

19. The mobile device of claim 18 further comprising encrypting the RDC compatible check image prior to transmitting.

20. The mobile device of claim 18 further comprising transmitting metadata representing personalized greeting information.

Assignees

• Tyfone Inc

Inventors

• Narendra Siva G
• Bloodworth Donald Allen
• Lemoine Dana B
• Tadepalli Prabhakar

Classifications

• G06F3/04842

  Selection of displayed objects or displayed text elements (G06F3/0482 takes precedence) · CPC title

• G06Q40/128

  Check-book balancing, updating or printing arrangements · CPC title

• G06Q20/042

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

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• H04L63/04

  for providing a confidential data exchange among entities communicating through data packet networks · CPC title