Patent ID: 11875314
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 4:
5. A computing device for processing a remote deposit of checks, the computing device comprising:
processing circuitry; and
a memory having stored thereon executable instructions that, when executed by the processing circuitry, cause the processing circuitry to perform operations including:
receive a digital image depicting at least portions of a check submitted by a user for the remote deposit of the check, the digital image transmitted using a mobile device associated with an image capture device, the digital image being captured by the image capture device;
determine the digital image is stored in a first image format;
convert the digital image into a second image format, wherein an image quality of the first image format is greater than an image quality of the second image format;
apply optical character recognition to the digital image;
extract check information corresponding to the check depicted in the digital image based on the optical character recognition applied to the digital image;
determine an amount for the remote deposit check based on the optical character recognition;
optically read a magnetic ink character recognition (MICR) line depicted in the digital image;
determine the digital image is suitable for creating a substitute check and sufficient to go forward with the deposit;
use the digital image for check deposit in place of the check depicted in the digital image; and
initiate a deposit of funds from a first financial institute to a second financial institute using the digital image.