Granted Patent B1

US 12,260,381 · App. 18/503,778 · Granted Mar 25, 2025

Inventors: Keegan Franklin (Tucson, AZ); James Brighter (Reston, VA); Megan OBrien (New Orleans, LA); John Maillett (Arlington, VA); Jane Justiz (McLean, VA)

Assignee: Capital One Services, LLC

G06Q20/108G06V30/18

Abstract

Claims (34)

1. A computer implemented method for a remote deposit environment, comprising:

receiving a customer request, based on interactions with an application that is configured to instantiate a user interface (UI) on a client device, to electronically deposit a financial instrument;

based on the customer request, activating a camera on the client device to generate a live stream of image data of a field of view of the camera, wherein the live stream includes imagery of at least a portion of the financial instrument;

converting, by the client device, the live stream to a plurality of byte arrays, wherein a first byte array of the plurality of byte arrays includes at least a first data field of the financial instrument and a second byte array of the plurality of byte arrays includes at least a second data field of the financial instrument;

extracting, by the client device, from the plurality of byte arrays and by an optical character recognition (OCR) program resident on the client device, the first data field from the first byte array and the second data field from the second byte array; and

communicating, by the client device, the extracted first and second data fields to a remote deposit server.

2. The computer implemented method of claim 1 , wherein the live stream comprises a raw image live stream.

3. The computer implemented method of claim 1 , wherein the plurality of byte arrays each comprises a byte array output stream object.

4. The computer implemented method of claim 1 , wherein the remote deposit server is configured to process at least the first and second data fields to complete the remote deposit.

5. The computer implemented method of claim 1 , wherein the optical character recognition program is configured with a trained machine learning OCR model.

6. The computer implemented method of claim 1 , wherein the client device is a mobile client device.

7. A system, comprising:

a memory; and

at least one processor coupled to the memory and configured to:

receive a customer request, based on interactions with an application that is configured to instantiate a user interface (UI) on a client device, to deposit a financial instrument;

based on the customer request, activate a camera on the client device to generate a live stream of image data of a field of view of the camera, wherein the live stream includes imagery of at least a portion of the financial instrument;

convert, by the client device, the live stream to a plurality of byte arrays, wherein a first byte array of the plurality of byte arrays includes at least a first data field of the financial instrument and a second byte array of the plurality of byte arrays includes at least a second data field of the financial instrument;

extract, by the client device, based on the plurality of byte arrays and by an optical character recognition (OCR) program resident on the client device, the first data field from the first byte array of the plurality of byte arrays and the second data field from the second byte array of the plurality of byte arrays; and

communicate, by the client device, the extracted first and second data fields to a remote deposit server.

8. The system of claim 7 , wherein the live stream comprises a raw image live stream.

9. The system of claim 7 , wherein the plurality of byte arrays each comprises a byte array output stream object.

10. The system of claim 7 , wherein the remote deposit server is configured to process at least the first and second data fields to complete the deposit.

11. The system of claim 7 , wherein the optical character recognition program is configured with a trained machine learning OCR model.

12. The system of claim 7 , wherein the client device is a mobile client device.

13. A non-transitory computer-readable device having instructions stored thereon that, when executed by at least one computing device, causes the at least one computing device to perform operations comprising:

receiving a customer request, based on interactions with an application that is configured to instantiate a user interface (UI) on a client device, to electronically deposit a financial instrument;

based on the customer request, activating a camera on the client device to generate a live stream of image data of a field of view of the camera, wherein the live stream includes imagery of at least a portion of the financial instrument;

converting, by the client device, the live stream to a plurality of byte arrays, wherein a first byte array of the plurality of byte arrays includes at least a first data field of the financial instrument and a second byte array of the plurality of byte arrays includes at least a second data field of the financial instrument;

extracting, by the client device, based on the plurality of byte arrays and by an optical character recognition (OCR) program resident on the client device, the first data field from the first byte array of the plurality of byte arrays and the second data field from the second byte array of the plurality of byte arrays; and

communicating, by the client device, the extracted first and second data fields to a remote deposit server.

14. The non-transitory computer-readable device of claim 13 , wherein the live stream comprises a raw image live stream.

15. The non-transitory computer-readable device of claim 13 , wherein the plurality of byte arrays each comprises a byte array output stream object.

16. The non-transitory computer-readable device of claim 13 , wherein the optical character recognition program is configured with a trained machine learning OCR model.

17. The non-transitory computer-readable device of claim 13 , wherein the remote deposit server is configured to process at least the first and second data fields to complete the deposit.

Assignments (1)

Continuity (1)

References Cited (122)