U.S. Bank National Association

Hima Rama Subrahmanyam Vishnubhotla

Soumitri Naga Kolavennu

Raj M Bharadwaj

Jessica G Winberg

Vijay Narayanan

Connie K Yung

Balasubramanian Narayanan

Marlen L Foster

Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.

Mobile check deposit

Methods and systems for remote check deposit are disclosed. A check image captured by an image capture device of a mobile device in response to receiving a user actuation causing the image capture device to capture the check image is received. The mobile device is caused to perform optical character recognition (OCR) on the check image to generate OCR data. The OCR data generated from the check image is verified to determine whether it includes required predetermined check data to process the check for remote deposit. The OCR data is provided to a financial institution server for validation processing. In response to receiving a confirmation from a user, the check image is provided to the financial instruction server with instructions to process the check for remote deposit. The mobile device receives a deposit receipt notification from the financial institution server after the check is deposited.

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Suwanee, GA, United States of America

Hima Rama Subrahmanyam Vishnubhotla