Mobile Check Deposit Auto-Capture via Video Frame Monitoring
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Solution Overview
Problem
Existing methods for remote check depositing face challenges in efficiently and accurately capturing and processing digital images of checks, particularly due to issues with lighting, framing, and data extraction.
Innovation Solution
The system monitors the image of a check in the field of view of a camera associated with a mobile device before capturing it, ensuring that the image meets specific monitoring criteria such as lighting, framing, and data clarity. Feedback is provided to the user to adjust the check or camera as needed, and the image is captured automatically once the criteria are met.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If automatic image capture is implemented without monitoring criteria, then the operation speed is improved, but the image quality and data extraction accuracy deteriorate
Solution Approach 1:
The system performs preliminary monitoring of the check image in the camera viewfinder before capturing it. The monitoring module evaluates lighting conditions, framing accuracy, and data clarity metrics before the capture operation is executed, ensuring that only images meeting predetermined criteria are captured automatically.
Solution Approach 2:
The system provides feedback to the user regarding the image quality and compliance with monitoring criteria. This feedback mechanism allows the user to adjust the check positioning or lighting conditions before capture, ensuring high-quality images are captured automatically without manual review of each image.
2Manufacturing precision
If manual image review is performed before capture, then the image quality is improved, but the time required for deposit increases
Solution Approach 1:
The system performs self-service by automatically evaluating captured images against predetermined monitoring criteria and selectively capturing only compliant images. The monitoring module and capture module work together to automatically filter and capture high-quality check images without requiring manual user review, thereby reducing deposit time while maintaining image quality.
3Manufacturing precision
If multiple image capture attempts are made to ensure quality, then the image quality is improved, but the number of operations increases
Solution Approach 1:
The system performs preliminary monitoring and evaluation before each capture attempt, assessing lighting conditions, framing accuracy, and data clarity. By evaluating images before capture and only capturing when criteria are met, the system reduces the number of failed capture attempts and re-takes, thereby improving operational efficiency while ensuring image quality.
4Ease of operation
If automated monitoring and capture is implemented, then the ease of operation is improved, but the device complexity increases
Solution Approach 1:
The system integrates multiple functions into a unified automated process: the camera module captures images, the monitoring module evaluates them against predetermined criteria, and the capture module selectively saves compliant images. This multi-functional integration automates the entire image quality control process, improving ease of operation while managing system complexity through functional consolidation.
Data Source
AI summary
An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.