Remote Deposit Image Grid for Multi-Item Capture

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Solution Overview

Problem

Financial institution customers face burdensome and time-consuming processes when depositing cash and checks, requiring visits to traditional deposit locations like banking centers or ATMs.

Innovation Solution

A method and apparatus that allows customers to capture images of multiple deposit items using a remote capture device, such as a camera phone or scanner, and credit accounts based on these images, eliminating the need for individual image capture and physical visits to deposit locations.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If customers visit traditional deposit locations (banking centers, ATMs) to deposit cash and checks, then deposit transactions can be completed with proper verification, but customers incur travel time and burden

Engineering Contradiction:

ImproveDeposit transaction convenienceVSAvoidTravel time to deposit location

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The patent uses optical copying to capture images of deposit items (checks, cash) using a remote capture device. The captured images serve as digital replicas that can be transmitted and processed remotely, eliminating the need for physical presence at a deposit location while maintaining verification capabilities through image analysis.

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent replaces the mechanical process of physically transporting deposit items to a banking center with an optical/electronic system. Remote capture devices (cameras, scanners) capture images, which are then transmitted electronically to the financial institution, substituting the physical mechanical transport with digital information transfer.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Measurement precision

If customers capture individual images of each deposit item separately, then each item can be verified accurately, but the deposit process becomes time-consuming and complex

Engineering Contradiction:

ImproveDeposit item verification accuracyVSAvoidImage capture process complexity

Core Design Contradiction:

Measurement precisionVSDevice complexity

Solution Approach 1:

The patent merges multiple individual image capture operations into a single comprehensive capture. The remote capture device is positioned to capture multiple deposit items (checks, cash) simultaneously in one image or coordinated sequence, reducing the number of separate operations required while maintaining the ability to verify each item through image processing.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The patent segments the captured image into individual item regions for separate verification. Image processing software automatically identifies and separates each deposit item within the captured image, allowing accurate verification of each item while the customer performs only a single capture operation. This segmentation occurs in the digital domain rather than requiring separate physical captures.

Inventive Principle:

Principle #1Segmentation

3Reliability

If customers visit banking centers or ATMs for deposits, then transactions are secure and verified, but the process is burdensome and costly

Engineering Contradiction:

ImproveDeposit transaction securityVSAvoidDeposit process simplicity

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent introduces an intermediary system consisting of remote capture devices, image processing software, and secure transmission protocols. This intermediary layer enables secure verification of deposit items remotely by capturing high-quality images, transmitting them securely to the financial institution, and processing them through automated verification systems, thereby maintaining security while simplifying the customer's interaction to a simple capture and transmit process.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS9064248B2Remote capture of multiple deposit items using a grid

Publication Date: 2015.06.23 BANK OF AMERICA CORP

AI summary

Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) displaying a grid on a display associated with a remote capture device, where the remote capture device is configured to capture an image that shows multiple deposit items, and where the grid comprises a plurality of grid portions; and (b) prompting a user of the remote capture device to arrange the multiple deposit items, or to position or operate the remote capture device, such that each of the deposit items in the multiple deposit items appears in a single grid portion of the display before the image is captured.