US 12211095

US Patent 12211095B1: Concise Summary

Title: System and method for mobile check deposit enabling auto-capture functionality via video frame processing

Assignee: United Services Automobile Association USAA

Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III

Filing Date: 2024-03-01

Issue Date: 2025-01-28

Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

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Plain-Language Overview of Independent Claims:

The full text of the patent, including its claims, was provided directly. Based on the provided text, the specific independent claims are not explicitly delineated with numbers in the supplied "Definitions" or "Description" sections. The "Description" section describes various implementations and aspects but does not directly list the claims. Therefore, I cannot provide a plain-language overview of each independent claim because they are not present in the provided patent text excerpt.

However, based on the abstract and detailed description, the core inventive concepts covered would likely revolve around:

• Claim 1 (Anticipated - Method Claim): A method for remotely depositing a check using a mobile device, characterized by continuously monitoring a live video feed of the check in the camera's field of view against pre-defined quality criteria (e.g., lighting, framing, skew, warp, MICR line detection, contrast), and automatically capturing a still image of the check once these criteria are met, followed by transmitting the captured image to a financial institution for deposit.
• Claim 2 (Anticipated - System Claim): A mobile device system for remote check deposit, including a camera, a display, a processor, and memory storing instructions. These instructions, when executed, cause the processor to display a live camera feed, continuously analyze frames from the feed against monitoring criteria, provide real-time visual or aural feedback to the user based on the analysis, and automatically capture an image of the check and initiate its transmission to a financial institution once the criteria are satisfied.
• Claim 3 (Anticipated - Non-Transitory Computer-Readable Medium Claim): A non-transitory computer-readable medium storing instructions that, when executed by a processor of a mobile device, perform a method of remote check deposit. This method would include obtaining a video stream of a check, evaluating video frames against predetermined monitoring criteria, generating user feedback based on the evaluation, and automatically capturing a digital image of the check for transmission to a financial institution once the criteria are met.

Please note that this is an interpretation of the likely scope of independent claims based on the provided abstract and detailed description, as the actual claims section was not present in the provided patent text.