US 12,008,529 B1
System and method for mobile check deposit with restricted endorsement
Al Hecht, Chanhassen, MN (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Nov. 14, 2022, as Appl. No. 17/986,833.
Application 17/986,833 is a continuation of application No. 17/102,306, filed on Nov. 23, 2020, granted, now 11,501,271.
Application 17/102,306 is a continuation of application No. 14/496,480, filed on Sep. 25, 2014, granted, now 10,846,667.
Claims priority of provisional application 61/885,463, filed on Oct. 1, 2013.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/04 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/108 (2013.01) [G06Q 20/042 (2013.01); G06Q 20/322 (2013.01); G06Q 20/4016 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method implemented by a mobile device, the method comprising:
initiating an image sensor of the mobile device to detect imagery via one or more lenses of the image sensor;
displaying, on a display screen of the mobile device, the imagery detected by the image sensor;
overlaying, on the displayed imagery, a guide box having a first visual feedback;
detecting, by the image sensor, a check within the guide box in the imagery;
responsive to detecting the check within the guide box, (i) changing the first visual feedback to a second visual feedback to indicate that the check is detected, and (ii) capturing a check image using the image sensor of the mobile device;
applying an optical character recognition (OCR) algorithm to the check image to detect a presence of one or more characters within the check image and positions of the one or more characters in the check image;
determining a certainty score for each of the one or more characters within the check image;
assigning a respective tag to each of a subset of the one or more characters that have a certainty score above a first certainty threshold;
determining, based at least in part on the respective tag of each of the subset of the one or more characters, a confidence level for a restricted endorsement in the check image, the confidence level corresponding to (i) whether the positions of the subset of the one or more characters of the restricted endorsement are within a predetermined area of the check image and (ii) the subset of the one or more characters of the restricted endorsement form a predetermined word or phrase; and
transmitting, responsive to the confidence level satisfying a predetermined threshold, the check image to a check processing computer system, causing the check processing computer system to automatically deposit funds based on the restricted endorsement.