Systems and methods for remote deposit of checks
Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
1. A method of facilitating remotely depositing funds into a user's account with a bank's computing system and without using an Automatic Teller Machine (ATM), comprising:
providing a remote deposit application for download to a customer device, wherein the remote deposit application comprises computer-executable instructions that, when executed by a processor, provide a user-interface and control a camera associated with the customer device to facilitate capturing at least one electronic image of a check;
receiving at the bank's computing system, via the user-interface on the customer device: authentication data, an electronic identification of an account for receipt of a value associated with the check, an electronic indication of the value associated with the check, and the at least one electronic image of the check;
determining whether the check was previously deposited using the at least one electronic image of the check; and
initiating and/or logging a first deposit of the value to the account via the bank's computing system unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited.
2. The method of claim 1 , comprising passing error processing before initiating and/or logging the deposit of the value to the account.
3. The method of claim 2 , comprising conducting optical character recognition on the at least one electronic image of the check and comparing results of the optical character recognition with validation data as part of the error processing.
4. The method of claim 1 , comprising analyzing the at least one electronic image of the check and confirming that the at least one electronic image of the check meets at least one image criterion before initiating and/or logging the deposit of the value to the account.
5. The method of claim 4 , wherein confirming that the at least one electronic image of the check meets at least one image criterion comprises confirming detection of image data corresponding to an endorsement.
6. The method of claim 4 , wherein analyzing the at least one electronic image of the check comprises analyzing the at least one electronic image of the check with the bank's computing system to confirm the at least one electronic image of the check is legible, is appropriately sized, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature, or a combination thereof.
7. The method of claim 4 , wherein analyzing the at least one electronic image of the check comprises analyzing the at least one electronic image of the check with the customer device to confirm the at least one electronic image of the check is legible, is appropriately sized, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature, or a combination thereof.
8. The method of claim 1 , wherein receiving the at least one electronic image of the check comprises receiving the electronic indication of the value as an embedded aspect of the at least one electronic image.
9. The method of claim 1 , comprising converting the at least one electronic image of the check to a bi-tonal image format.
10. A method of facilitating remotely depositing funds into a user's account via Internet-based communication without using an Automatic Teller Machine (ATM), comprising:
coordinating with a remote deposit application on a customer-controlled device to facilitate a deposit procedure including capturing, via a camera associated with the customer-controlled device, at least one electronic image of a check;
validating authentication data provided via the customer-controlled device;
receiving into a bank's computing system, via the customer-controlled device and the Internet-based communication:
an electronic identification of an account for receipt of a value associated with the check and an electronic indication of the value associated with the check, and the at least one electronic image of the check;
determining whether the check was previously deposited using the at least one electronic image of the check; and
after validating the authentication data, triggering a deposit of the value to the account via the bank's computing system unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited.
11. The method of claim 10 , comprising providing the remote deposit application for download to the customer-controlled device, wherein the remote deposit application comprises computer-executable instructions that, when executed by a processor, provide a user-interface and control the camera to facilitate capturing the at least one electronic image of the check.
12. The method of claim 10 , comprising receiving the electronic indication of the value based on optical recognition of image data in the at least one electronic image of the check.
13. The method of claim 10 , comprising analyzing the at least one electronic image of the check with the customer-controlled device or the bank's computing system to confirm the at least one electronic image of the check is legible, is appropriately sized, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature, or a combination thereof before triggering the deposit.
14. The method of claim 10 , comprising displaying a prompt via a user-interface of the customer-controlled device, wherein the prompt provides user instruction regarding initiating a check deposit.
15. A system for facilitating remote deposit of funds into a user's account via Internet-based communication without using an Automatic Teller Machine (ATM), comprising:
one or more processors;
communication circuitry configured to receive data from a user-owned device, wherein the data comprises electronic image data for a check; and
one or more tangible, non-transitory machine-readable media comprising processor-executable instructions, that when executed by the one or more processors cause the one or more processors to:
authenticate interaction with the user-owned device based on authentication data received from the user-owned device via the communication circuitry;
accept or determine amount data indicative of an amount of the check from the user-owned device via the communication circuitry;
accept or determine account data identifying an account for receipt of the amount of the check from the user-owned device via the communication circuitry;
accept at least one electronic image of the check from the user-owned device via the communication circuitry;
determine whether the check was previously deposited using the at least one electronic image of the check; and
activate updating of the account to reflect a deposit of the amount into the account unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited.
16. The system of claim 15 , wherein the one or more tangible, non-transitory machine-readable media comprise processor-executable instructions to determine the amount data from the electronic image data using optical character recognition.
17. The system of claim 15 , wherein the authentication data includes a digital certificate or data representing a fingerprint.
18. The system of claim 15 , wherein the one or more tangible, non-transitory machine-readable media comprise processor-executable instructions to analyze and confirm that the at least one electronic image of the check meets at least one image criterion before proceeding to activate updating of the account.
19. The system of claim 18 , wherein the one or more tangible, non-transitory machine-readable media comprise processor-executable instructions to confirm the at least one electronic image of the check is legible, is appropriately sized, has an appropriate orientation, has an appropriate format, includes a validating image feature, includes a properly located image feature properly, or a combination thereof before proceeding to activate updating of the account.
20. The system of claim 15 , wherein the one or more tangible, non-transitory machine-readable media comprise processor-executable instructions to convert the at least one electronic image of the check to a bi-tonal image format.