Secure Element Authentication for Mobile Check Image 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 sender mobile devices, capable of capturing, processing, and encrypting check images, and transmitting them securely to recipient mobile devices, which can then forward these images to banks for deposit, eliminating the need for physical check transfer and ensuring compliance with RDC requirements.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If mobile devices are used to capture and transmit check images for remote deposit, then the physical check handling is eliminated and remote deposit convenience is improved, but image quality control and security authentication become more difficult to ensure
Solution Approach 1:
The patent uses camera-based image capture to create a digital copy of the physical check instead of handling the physical check through the banking system. The mobile device captures an image of the check front and back, creating a digital representation that replaces the physical check's role in the deposit process, thereby eliminating physical handling while maintaining deposit functionality
Solution Approach 2:
The patent introduces a secure element as an intermediary authentication mechanism between the mobile device and the banking system. This secure element verifies the user's identity and authorizes the remote deposit transaction, acting as a mediator that ensures security without requiring physical check presentation to the bank
2Adaptability or versatility
If check images are captured and transmitted through multiple devices and systems, then remote deposit flexibility is improved, but the complexity of ensuring RDC compliance and image quality increases
Solution Approach 1:
The patent divides the remote deposit process into distinct functional segments: image capture on the mobile device, image processing and quality verification, security authentication through the secure element, and transmission to the bank. This segmentation allows each component to be optimized independently while ensuring overall RDC compliance
Solution Approach 2:
The mobile device performs self-contained image capture, processing, and quality verification functions without requiring external assistance. The device automatically ensures RDC compliance through built-in processing algorithms and secure authentication mechanisms, eliminating the need for complex external verification systems
3Manufacturing precision
If traditional scanning methods are used for remote deposit, then image quality can be controlled, but the process requires physical check delivery to a scanner which reduces remote deposit efficiency
Solution Approach 1:
The patent replaces the mechanical scanning process with a camera-based image capture system on the mobile device. Instead of requiring physical delivery to a scanner, the user simply points the camera at the check, and the device captures the image directly, eliminating the mechanical scanning step while maintaining image quality through digital processing
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.