REMOTE DEPOSIT CAPTURE COMPATIBLE CHECK IMAGE GENERATION IN RESPONSE TO MOTION OF A MOBILE DEVICE
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.
1 . 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:
detecting whether the mobile device is in motion;
if the mobile device is in motion, capturing a check image with a camera within the mobile device, and character recognizing check information in the check image;
if the mobile device is not in motion, retrieving check information from the memory, and augmenting the check information with data entered by a payor;
combining the check information with a nonscanned check image to create a remote deposit capture (RDC) compatible check image; and
transmitting the RDC compatible check image to a payee.
2 . The mobile device of claim 1 further comprising encrypting the RDC compatible check image prior to transmitting.
3 . The mobile device of claim 2 wherein transmitting comprises transmitting an encrypted RDC compatible check image to a server.
4 . The mobile device of claim 2 wherein transmitting comprises transmitting an encrypted RDC compatible check image to the payee via a multimedia messaging service (MMS).
5 . The mobile device of claim 1 further comprising transmitting metadata representing personalized greeting information.
6 . The mobile device of claim 5 wherein the personalized greeting information represents a graphic to be displayed to the payee.
7 . A mobile device implemented method comprising:
detecting whether the mobile device is in motion;
if the mobile device is in motion, capturing a check image with a camera within the mobile phone, and character recognizing static check information in the check image;
if the mobile device is not in motion, retrieving the static check information from memory;
prompting a payor to enter dynamic check information;
creating a remote deposit capture (RDC) compatible check image by combining a pre-prepared check image with the static check information and the dynamic check information; and
transmitting the RDC compatible check image to a payor for later remote deposit.
8 . The computer-implemented method of claim 7 wherein the data provided by the payor includes a bank routing number and a bank account number.
9 . The computer-implemented method of claim 7 wherein data provided by the payor does not include a bank routing number and a bank account number.
10 . The computer-implemented method of claim 7 wherein the data provided by the payor is character recognized from a scanned image.
11 . The computer-implemented method of claim 7 wherein the data provided by the payor is entered using keystrokes.
12 . The computer-implemented method of claim 7 wherein transmitting comprises emailing.
13 . The computer-implemented method of claim 7 wherein transmitting comprises sending to a server.
14 . The computer-implemented method of claim 7 further comprising encrypting the RDC compatible check image prior to transmitting.
15 . 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:
detecting motion of the mobile device; and
when motion is detected:
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; and
transmitting the RDC compatible check image to a payee.
16 . The non-transitory computer readable storage medium of claim 15 further comprising encrypting the RDC compatible check image prior to transmitting.
17 . The non-transitory computer readable storage medium of claim 15 wherein transmitting comprises sending to a server.
18 . The non-transitory computer readable storage medium of claim 15 wherein the static check data comprises a bank routing number.
19 . The non-transitory computer readable storage medium of claim 15 wherein the dynamic check information includes payee information.
20 . The non-transitory computer readable storage medium of claim 15 further comprising transmitting metadata representing personalized greeting information specified by the payor.