CPC G06Q 20/108 (2013.01) [G06Q 20/042 (2013.01); G06Q 20/322 (2013.01); G06Q 20/4016 (2013.01)] | 20 Claims |
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.
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