Ensenta Corporation

Dmitri Boudtchenko

Richard Klein

Edward John Viera

Sharmila Pusarla

Rajini Jagathesan

James Howard Ballagh

Paulo Dos Santos

Emerson Ward Swan, Ii

Teddy Usman

Chaitanya Mittipelli

Jim Ballagh

Crystal Carroll

Nhan Phan

Improved systems and methods for detecting and correcting image errors and risks in remote deposit systems during an in-line or in-process troubleshooting session are disclosed. Various embodiments include systems for displaying remote deposit session data to a support technician with links for invoking an image display or image editor user interface during a troubleshooting session. The links can be included in one or more individual remote deposit session events, records, or tasks, such as check image uploads and bi-tonalization events. The image editor can be used to manually or automatically correct any detected errors or flaws in uploaded or processed deposit document images. The corrected check images can be then be stored and used to complete or reprocess a remote deposit.

System and method for improved remote deposit image handling

Systems and methods for improved remote deposit support and troubleshooting are disclose. In remote deposit sessions, such as a remote check deposit transaction that uses images of the front and back of a check, various errors, conflicts and issues can occur with each step of the session. Embodiments of the present invention can include generating a unique identifier for a particular remote deposit session at or before a particular session or transaction begins and then create a record for each event or task of that session and associate it with the identifier. During a support or troubleshooting session, all transactions can records associated with a particular identifier can be retrieved from a data store and displayed to a user. Such a display can include a listing of various detailed specifics for each record and embedded controls to various tools for detecting, diagnosing, and correcting errors.

System and method for improved remote deposit user support

Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a financial transaction type with a hold type in the policy database. Various embodiments can receive transaction data including an image of a check, applying the plurality of risk factors to the transaction data, and applying the plurality of hold override policies to the deposit data. Finally, other embodiments include a web-enabled user interface through with users can review and approve/disapprove the handling of exceptions to the risk factors, severities, and hold override policies on a real-time or near-real time basis.

System and method for performing financial transactions on a network

Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a deposit type with a hold type in the policy database, receiving deposit data including an image of a deposit check, applying the plurality of risk factors to the deposit data, and applying the plurality of hold override policies to the deposit data.

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Palo Alto, CA, United States of America

Dmitri Boudtchenko