Bulk Check Image Deposit Through Batch Matching and Validation
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Solution Overview
Problem
Image-based check deposit processes are inefficient when depositing multiple checks, requiring individual capture and submission of front and back images for each check, leading to a slow and cumbersome experience.
Innovation Solution
A method for bulk check image deposit that captures and matches images of both sides of multiple checks using identifiers, validates the images, and deposits them collectively, reducing the need for individual submissions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If individual capture and submission of front and back images for each check is required, then image-based check deposit can be implemented, but the deposit process becomes slow and cumbersome when depositing multiple checks
Solution Approach 1:
The patent combines multiple individual check deposit operations into a single bulk operation. Users can capture and submit images of multiple checks simultaneously in one interaction, and the system processes all checks together through batch matching and validation, eliminating the need to repeat the deposit process for each check individually.
Solution Approach 2:
The system performs preliminary actions by capturing images of multiple checks before the actual deposit processing. The images are captured, stored, and prepared in advance, then processed in a batch manner through matching and validation operations, which speeds up the overall deposit process while maintaining ease of use.
2Reliability
If multiple checks are deposited individually, then each check can be processed separately, but the overall deposit time increases significantly
Solution Approach 1:
The patent merges multiple separate check processing operations into a single batch processing operation. The system processes multiple checks simultaneously through unified image matching, validation, and deposit execution, which maintains processing accuracy while significantly reducing total deposit time compared to individual processing.
Solution Approach 2:
The system maintains continuous useful action by processing multiple checks in an uninterrupted batch manner. Instead of completing one check entirely before moving to the next, the system processes multiple checks concurrently through continuous batch operations, which reduces total processing time while maintaining reliability through systematic validation of each check.
3Device complexity
If individual deposit submissions are used, then simple processing logic is maintained, but computational and communication resources are not optimized
Solution Approach 1:
The patent combines multiple individual deposit submissions into a single bulk submission operation. This merging approach optimizes computational and communication resources by reducing the number of separate API calls, database transactions, and processing cycles required. The system processes multiple checks in parallel within a single operation, improving resource efficiency while maintaining manageable processing logic through structured batch handling.
Data Source
AI summary
Systems and methods for check image deposit are disclosed. In one embodiment, a method for bulk check image deposit may include: (1) capturing, by a computer application executed by an electronic device, a plurality of check images for a plurality of checks comprising an image of a first side of each check and an image of a second side of each check; (2) submitting, by the computer application, the plurality of check images to a backend in a deposit transaction; (3) matching, by a check recognition computer program at the backend, the images of the first side of the checks with the images of the second sides of the checks; (4) validating, by a deposit service computer program executed by the backend, the matched images for each of the checks; and (5) depositing, by the deposit service computer program, the validated checks.