Mobile Check Image Generator for Remote Deposit
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Solution Overview
Problem
Current remote deposit systems using mobile devices face challenges in efficiently generating and transmitting RDC compatible check images, particularly in ensuring image quality and security, which can lead to errors and inefficiencies in the deposit process.
Innovation Solution
A mobile remote deposit system that includes a check image generator application on a mobile device capable of capturing, processing, and transmitting RDC compatible check images, using encryption and secure elements for security, and allowing users to enter or capture check information, with features for handling both blank and manually written checks, and the option to write checks on-screen, ensuring compliance with banking requirements.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a mobile device camera is used to capture check images for remote deposit, then the need for physical check transfer is eliminated and convenience is improved, but image quality and security requirements may not be reliably met
Solution Approach 1:
The system creates a digital copy of the physical check image through the mobile camera and processes it to generate a substitute check image that meets banking requirements. The captured image is transformed into a standardized digital format that can be transmitted electronically, eliminating the need for physical transfer while maintaining image quality through digital processing.
Solution Approach 2:
The patent replaces the mechanical process of physically transferring and scanning checks with a digital capture system using mobile cameras. The mechanical scanning process is substituted by electronic image capture, digital processing, and electronic transmission, thereby improving convenience while maintaining reliability through digital standards.
2Productivity
If check images are captured and transmitted electronically, then physical check transfer is eliminated, but security risks increase
Solution Approach 1:
The system introduces secure transmission channels and encryption as intermediary measures between the mobile device and the banking system. These security intermediaries protect the check image data during transmission, mitigating security risks while enabling efficient electronic processing.
Solution Approach 2:
The system transforms the check image into a standardized digital format with specific parameters (resolution, color depth, formatting) that optimize both transmission efficiency and security. By controlling image parameters and using encrypted transmission protocols, the system achieves high productivity while maintaining security standards.
3Device complexity
If manual check capture is used, then device complexity is reduced, but errors in check information entry increase
Solution Approach 1:
The system incorporates feedback mechanisms where the captured check image is processed to automatically extract and validate check information. The system provides feedback to correct any errors in manual entry by comparing against the captured image data, thereby improving accuracy without significantly increasing device complexity.
Solution Approach 2:
The system enables self-service check capture and processing where the mobile device automatically captures the check image, extracts information, and prepares the substitute check without requiring complex manual intervention. This automated self-service approach reduces errors while keeping the device relatively simple.
Data Source
AI summary
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.