Mobile check deposit
Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.
1 . A method for remote processing of an object, the method comprising:
at a mobile device:
receiving a first image of the object, the first image captured by an image capture device of the mobile device; and
extracting first and second snippets from the first image;
performing optical character recognition on the first snippet to generate first optical character recognition data;
sending the second snippet to another device for processing;
receiving second optical character recognition data from the another device;
verifying the first optical character recognition data and the second optical character recognition data;
after the verifying, providing the first optical character recognition data or the second optical character recognition data to a server for validation processing;
after providing the first or second optical character recognition data, receiving a confirmation notification from the server responsive to the providing;
after receiving the confirmation notification, presenting, on a user interface of the mobile device, a request for confirmation from the user for further processing; and
receiving a user confirmation from the user in response to the request for confirmation; and
only after receiving the user confirmation, providing by the mobile device an image of the entire object to the server for further processing.
2 . The method of claim 1 , wherein the providing by the mobile device the image of the entire object to the server for further processing after receiving the user confirmation is the first time that an image of the entire object has left the mobile device.
3 . The method of claim 1 , wherein the another device is the server.
4 . The method of claim 1 , wherein the another device is another server different from the server.
5 . The method of claim 1 , further comprising: sending an account identification number from the mobile device to the server only after receiving the user confirmation.
6 . The method of claim 1 , further comprising: presenting at least a portion of the first image or an image derived from the first image to the user for a first time only after the first image was sent to the server for additional processing.
7 . The method of claim 1 , wherein manual user actuation directly causes the image capture device to capture the first image.
8 . The method of claim 1 , further comprising: generating a representation image including at least some of the first optical character recognition data; and presenting the representation image but not the first image to the user.
9 . The method of claim 1 , further comprising: at the mobile device and prior to providing the first optical character recognition data to the server for validation processing: determining a similarity value between the first optical character recognition data and prior optical character recognition data sent to the server, wherein providing the second optical character recognition data to the server for validation processing occurs responsive to the similarity failing to pass a threshold.
10 . The method of claim 1 , wherein providing the image of the entire object to the server includes providing an image of the entire front of the object.
11 . The method of claim 10 , wherein providing the image of the entire object to the server includes providing an image of the entire front and the entire back of the object.
12 . The method of claim 1 , wherein an image is of the entire object if the image contains at least four outer corners of the object.
13 . A method for remote processing of an object, the method comprising:
activating an image capture device of a mobile device;
receiving a first image of the object, the first image captured by the image capture device of the mobile device; and
extracting a first snippet from the first image;
extracting a second snippet from the first image;
performing, using the mobile device, optical character recognition on the first snippet to generate first optical character recognition data;
sending the second snippet to another device for processing to generate second optical character recognition data;
verifying the first optical character recognition data;
after the verifying, providing the first optical character recognition data to a server for validation processing;
after providing the first optical character recognition data, receiving a confirmation notification from the server based on the first optical character recognition data and the second optical character recognition data;
after receiving the confirmation notification, presenting, on a user interface of the mobile device, a request for confirmation from the user for further processing; and
receiving a user confirmation from the user in response to the request for confirmation; and
only after receiving the user confirmation, providing by the mobile device an image of the entire object to the server for further processing.
14 . The method of claim 13 , wherein the providing by the mobile device the image of the entire object to the server for further processing after receiving the user confirmation is the first time that an image of the entire object has left the mobile device.
15 . The method of claim 13 , wherein the another device is the server.
16 . The method of claim 13 , wherein the another device is a different server than the server.
17 . The method of claim 13 , wherein manual user actuation directly causes the image capture device to capture the first image.
18 . The method of claim 13 , further comprising: generating a representation image including at least some of the first optical character recognition data; and presenting the representation image but not the first image to the user.
19 . The method of claim 13 , further comprising: at the mobile device and prior to providing the first optical character recognition data to the server for validation processing: determining a similarity value between the first optical character recognition data and prior optical character recognition data sent to the server; and providing the second optical character recognition data to the server for validation processing, wherein providing occurs responsive to the similarity failing to pass a threshold.
20 . The method of claim 13 , wherein an image is of the entire object if the image contains at least four outer corners of the object.