Granted Patent B1

US 10,210,522 · App. 15/707,122 · Granted Feb 19, 2019

Inventors: Reynaldo Medina, III (San Antonio, TX); Nandhini Sridaran (Boerne, TX); Mario Gutierrez (San Antonio, TX); Robert G. Wood (San Antonio, TX); Adam Newman (San Antonio, TX); William Barfield (San Antonio, TX)

Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

G06Q20/4016G06K7/1413G06K9/00181G06K9/209G06Q20/0425

Abstract

Claims (85)

1. A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:

receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;

identify edges of at least the portion of the check;

crop at least one feature within the portion of the check;

binarize the at least one feature to produce a binarized image;

apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;

analyze the portion of the check image to identify at least a first item of check information on a front or a back of the check image, a second item of check information on the front or back of the check image, and a check signature;

analyze the first item of check information and the second item of check information;

determine item correspondence between the first item of check information on the front or back of the check image and the second item of check information on the front or back of the check image;

compare the check signature to an account signature to determine signature correspondence between the check signature and the account signature; and

determine a check score based on the item correspondence and the signature correspondence.

2. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:

analyze the portion of the check image to identify a barcode;

analyze the barcode to determine barcode correspondence between the barcode and barcode information; and

determine the check score based the barcode correspondence.

3. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:

analyze the portion of the check to identify a drawer of the check;

receive behavioral data related to the drawer of the check;

analyze the behavioral data related to the drawer of the check to determine a drawer behavior risk; and

determine the check score based on the drawer behavior risk.

4. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:

analyze the data transmission identify a payee of the check;

receive behavioral data related to the payee of the check;

analyze the behavioral data related to the payee of the check to determine a payee behavior risk; and

determine the check score based on the payee behavior risk.

5. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:

analyze the portion of the check to identify an account associated with the check;

determine that check writing is disabled with respect to the account; and

reject the check for deposit based on check writing being disabled.

6. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:

determine an account associated with the check;

identify an owner of the account; and

transmit a notification to the owner of the account alerting the owner of the check for deposit, wherein the notification requests a response from the owner.

7. The non-transitory computer-readable medium of claim 6 , the instructions further causing the computer to:

receive the response from the owner, wherein the response is a negative response;

process a negative response to the notification; and

determine a check score based on the negative response, the check score is determinative to rejecting the check.

8. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to reject the check for deposit if the check score violates a score threshold.

9. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to hold at least a portion of funds associated with the check for deposit of the check score violates a score threshold.

10. A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:

receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;

identify edges of at least the portion of the check;

crop at least one feature within the portion of the check;

binarize the at least one feature to produce a binarized image;

apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;

analyze the portion of the check after image processing to identify an account associated with the check;

determine a check writing toggle that check writing is disabled with respect to the account; and

determine a check score based on the check writing toggle, the check score is determinative to reject the check.

11. The non-transitory computer-readable medium of claim 10 , the instructions further causing the computer to:

identify an owner of the account; and

transmit a notification to the owner of the account alerting the owner of the check for deposit.

12. A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:

receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;

identify edges of at least the portion of the check;

crop at least one feature within the portion of the check;

binarize the at least one feature to produce a binarized image;

apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;

analyze the data transmission;

identify a payee of the check based on analysis of the data transmission;

analyze the portion of the check after image processing to identify an account associated with a drawer of the check;

receive behavioral data related to the payee of the check and the drawer of the check;

analyze the behavioral data to determine a behavior risk; and

determine a check score based on the behavior risk.

13. The non-transitory computer-readable medium of claim 12 , the instructions further causing the computer to:

analyze the portion of the check image to identify at least a first item of check information;

analyze the first item of check information to determine item correspondence between the first item of check information and a second item of check information; and

determine a check score based on the item correspondence.

14. The non-transitory computer-readable medium of claim 12 , the instructions further causing the computer to:

analyze the portion of the check to identify an account associated with the check;

determine that check writing is disabled with respect to the account; and

reject the check for deposit based on check writing being disabled.

15. The non-transitory computer-readable medium of claim 1 ,

wherein analyzing the portion of the check to identify at least the first item of check information includes determining a check number from a corner of the check,

wherein analyzing the portion of the check to identify at least the second item of the check information includes determining a check number from an account number line of the check, and

wherein determining the item correspondence between the first item and the second item includes comparing the check number from a corner of the check to the check number from an account number line of the check.

16. The non-transitory computer-readable medium of claim 1 ,

wherein analyzing the portion of the check to identify at least the first item of check information includes determining a routing number,

wherein analyzing the portion of the check to identify at least the second item of the check information includes determining that the check is a Treasury Check or a U.S. Postal Money Order, and

wherein determining the item correspondence between the first item and the second item includes determining that at least a portion of the routing number corresponds to the Treasury Check or U.S. Postal Money Order.

17. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:

compare a check design of the check to a known check design previously used by a drawer, wherein the first item of check information includes the check design, wherein the check score is further based on the check design and the known check design.

18. The non-transitory computer-readable medium of claim 2 ,

wherein analyzing the first item of check information identifies a financial institution associated with the check,

wherein the financial institution utilizes a proprietary barcode format, and

wherein analyzing the barcode includes comparing the barcode to the proprietary barcode format to determine the barcode correspondence.

Assignments (2)

Continuity (1)

Cited By (10)

US 12,198,109 US 12,204,619 US 12,236,700 US 12,254,475 US 12,260,381 US 12,260,658 US 12,530,666 US 12,541,748 US 12,572,936 US 12,579,832