US 12,229,734 B1
Mobile check deposit
Marlen L. Foster, Fairfield, CA (US); Connie K. Yung, San Francisco, CA (US); Vijay Narayanan, San Jose, CA (US); Raj M. Bharadwaj, Plymouth, MN (US); Soumitri Naga Kolavennu, Plymouth, MN (US); Jessica G. Winberg, Prescott, WI (US); Balasubramanian Narayanan, Eagan, MN (US); and Hima Rama Subrahmanyam Vishnubhotla, Suwanee, GA (US)
Assigned to U.S. Bank National Association, Minneapolis, MN (US)
Filed by U.S. Bank National Association, Minneapolis, MN (US)
Filed on May 28, 2024, as Appl. No. 18/675,774.
Application 18/675,774 is a continuation of application No. 18/466,347, filed on Sep. 13, 2023, granted, now 12,039,504.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/04 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/42 (2012.01); G06Q 40/02 (2023.01); G06V 30/19 (2022.01); G06V 30/224 (2022.01)
CPC G06Q 20/0425 (2013.01) [G06Q 20/108 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/326 (2020.05); G06Q 20/4016 (2013.01); G06Q 20/42 (2013.01); G06Q 40/02 (2013.01); G06V 30/19013 (2022.01); G06V 30/19093 (2022.01); G06V 30/1916 (2022.01); G06V 30/2253 (2022.01)] 19 Claims
OG exemplary drawing
 
1. A method for remote deposit of a check, the method comprising:
receiving a first check image captured by an image capture device of a mobile device in response to receiving a user actuation causing the image capture device to capture the first check image; and
after receiving the first check image and without displaying the first check image to a user:
at the mobile device and without any check image of the check being sent from the mobile device to a server:
causing the mobile device to perform optical character recognition (OCR) on the first check image to generate first OCR data;
determining that the first OCR data generated from the first check image lacks required predetermined check data to process the check for remote deposit, wherein the required predetermined check data includes an amount and MICR line data, wherein the MICR line data includes an account number, a routing number, and a check number;
generating a check representation image and an indication provided on the check representation image at a region of the check representation image associated with the lacking predetermined check data;
presenting the check representation image;
after presenting the check representation image:
discarding the first check image; and
receiving a remediation, wherein receiving the remediation includes:
 receiving another user actuation causing the image capture device to capture a second check image, and
 performing a second OCR on the second check image, thereby generating second OCR data;
verifying that the second OCR data associated with the remediation includes the required predetermined check data that the first OCR data lacked;
responsive to the verifying, providing the second OCR data to a financial institution server for validation processing;
receiving a confirmation notification from the financial institution server that the provided second OCR data has been validated;
in response to receiving the confirmation notification, presenting, on a user interface of the mobile device, a request for confirmation from the user to process the check for remote deposit;
receiving a user confirmation from the user in response to the request for confirmation from the user to process the check for remote deposit; and
in response to receiving the user confirmation from the user, providing the second check image to the financial institution server.