Live Video Check Deposit With Biometric Authentication

The patent creates a digital copy (video image) of the physical check that can be transmitted electronically to the financial institution. The video capture system records the check's front and back sides, MICR line, and endorsement, creating a reproducible digital representation that eliminates the need for physical transport while maintaining verification capabilities through image analysis and authentication protocols.

The patent replaces the mechanical process of physically transporting and manually presenting checks at bank branches with an electronic video transmission system. The mechanical actions of carrying, queuing, and hand-presenting the check are substituted by capturing video images with a camera device and transmitting them electronically, thereby eliminating time loss while preserving security through digital verification methods.

The patent transitions from static still image capture to dynamic video capture for check processing. The video stream continuously captures the check from multiple angles and positions, allowing the system to dynamically select optimal frames, track MICR line movement, and verify endorsement authenticity through motion analysis. This dynamic approach improves data accuracy while maintaining ease of operation through automated video processing algorithms.

The patent implements continuous video recording during the check deposition process, capturing the entire sequence of presenting the check's front side, back side, and MICR line. This continuous capture ensures that no critical information is missed and provides redundant data for verification, thereby improving processing efficiency and accuracy compared to discrete still image captures while keeping the user interface simple and continuous.

The patent extracts only the essential information from the live video stream—specifically capturing the check's front side, back side, MICR line, and endorsement—rather than transmitting the entire continuous video feed. This selective extraction reduces data transmission requirements while maintaining processing speed and authentication accuracy by focusing computational resources on the critical verification elements.

The patent performs preliminary processing of the video stream by capturing and analyzing key frames that contain the essential check information before final transmission and processing. The system pre-identifies the MICR line, endorsement area, and check details during video capture, preparing structured data in advance that reduces the complexity of subsequent processing and authentication steps.