Secure element authentication for remote deposit of check images received from payors
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 secure element;
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:
prompting a user to select between either taking a picture of a check for remote deposit or receiving a remote deposit capture (RDC) compatible check image;
in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in the secure element and receiving the RDC compatible check image from the check control server only after authenticating;
displaying a notification;
responding to a user's interaction with the notification to display indicia of the RDC compatible check image other than the RDC compatible check image itself; and
forwarding the RDC compatible check image to a financial institution for deposit.
2. The mobile device of claim 1 , wherein the program further comprises instructions for prompting a user to electronically endorse the RDC compatible check image.
3. The mobile device of claim 1 wherein the program further comprises instructions for receiving metadata specified by a payor.
4. The mobile device of claim 3 wherein responding to a user's interaction with the notification to display indicia comprises displaying a graphic in response to the metadata.
5. A mobile device implemented method comprising:
prompting a user to select between either taking a picture of a check for remote deposit or loading a remote deposit capture (RDC) compatible check image for remote deposit;
in response to the user selecting to load an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in a secure element within the mobile device and receiving the RDC compatible check image from the check control server only after authenticating;
loading the RDC compatible check image;
prompting the user to electronically endorse the RDC compatible check image; and
forwarding the RDC compatible check image to a financial institution for deposit.
6. The mobile device implemented method of claim 5 wherein prompting the user to electronically endorse comprises prompting the user to sign on-screen.
7. The mobile device implemented method of claim 5 wherein prompting the user to electronically endorse comprises prompting the user to load an endorsement stamp.
8. The mobile device implemented method of claim 5 further comprising receiving metadata specified by a payor.
9. The mobile device implemented method of claim 8 further comprising displaying a graphic in response to the metadata.
10. 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:
prompting a user to select between either taking a picture of a check for remote deposit or receiving an RDC compatible check image from a payor;
in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in a secure element within the mobile device and receiving the RDC compatible check image from the check control server only after authenticating;
electronically endorsing the RDC compatible check image; and
forwarding the RDC compatible check image to a financial institution for deposit.
11. The non-transitory computer readable storage medium of claim 10 wherein electronically endorsing comprises prompting a user to sign on-screen.
12. The non-transitory computer readable storage medium of claim 10 wherein electronically endorsing comprises prompting a user to load an endorsement stamp.