AR Check Capture Guidance for Accurate Mobile Deposit Imaging
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Solution Overview
Problem
Existing mobile banking systems lack accurate guidance for customers to capture high-quality images of financial instruments, leading to increased error rates, processing costs, and customer frustration due to imprecise camera positioning and data capture conditions.
Innovation Solution
An augmented reality (AR) aid is implemented on mobile devices to guide customers in properly positioning their cameras relative to financial instruments, using a combination of image analysis and onboard sensors to determine orientation and distance, ensuring accurate image capture before processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If customers use mobile devices to capture images of financial instruments without guidance, then the process is simple and quick, but the image quality and capture accuracy deteriorate leading to high error rates
Solution Approach 1:
The patent introduces an augmented reality guide as an intermediary between the customer and the image capture process. This guide overlays visual cues (boundary boxes, alignment indicators, distance markers) on the camera viewfinder to mediate the positioning process, thereby maintaining simplicity while improving accuracy
Solution Approach 2:
The augmented reality guide uses color-coded visual indicators to communicate capture quality and guidance status. Different colors indicate different states (e.g., green for proper alignment, red for misalignment), providing intuitive feedback without complicating the user interface
2Productivity
If customers capture images without proper positioning guidance, then the operation remains fast, but processing costs increase due to high error rates and re-capture requirements
Solution Approach 1:
The system performs preliminary validation of image capture conditions before the actual capture occurs. The augmented reality guide checks positioning, distance, and alignment in real-time and only allows capture when conditions are met, preventing wasted processing on poor-quality images
Solution Approach 2:
The system provides real-time feedback through the augmented reality interface, informing customers whether their device is properly positioned for capture. This feedback loop prevents premature capture attempts and reduces the need for re-processing, thereby lowering costs while maintaining speed
3Device complexity
If basic camera positioning guidance is provided, then the system remains simple, but capture success rate remains low due to insufficient information on orientation and distance
Solution Approach 1:
The patent adds spatial dimensions to the guidance system by providing three-dimensional positioning information (horizontal alignment, vertical alignment, and distance) through augmented reality overlays. This multi-dimensional guidance significantly improves capture success rates while adding only moderate complexity through software-based AR visualization
Data Source
AI summary
A computer implemented method, system, and non-transitory computer-readable device for a remote deposit environment. The method may include displaying, on a display of a mobile device, a live image stream of a physical environment received from a camera of the mobile device; displaying, on the display of the mobile device, a virtual model of a financial instrument, the virtual model being depicted as occupying and being movable within the physical environment while having a fixed distance from the camera and orientation in a camera coordinate system fixed to the camera; instructing, via the mobile device, a user to align the virtual model with a financial instrument positioned within the physical environment; and automatically capturing an image of the financial instrument using the camera based on alignment of the financial instrument and the virtual model.